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Trinity Financial secured a non-binding mortgage offer from HSBC for a client in 48 hours.

HSBC has a two-tiered approach to providing mortgage offers. Initially, brokers with access to the bank’s online system submit applications and upload supporting documentation onto the system.

Once the application has been submitted, processed and agreed by HSBC's specialist broker team, a non-binding mortgage offer is produced.

Aaron Strutt, product director at Trinity Financial, says: “Once the non-binding terms have been issued, the bank instructs the property valuation and providing it values up the formal offer is produced.  

“Over the years HSBC has not been known for its fast processing times but it is improving. The bank has some of the best-ever mortgage rates and providing the application is submitted correctly it can produce fast mortgage offers.”

We helped our client to secure an offer on the following terms:

Property: Flat in London.

Value: £275,000

Mortgage: £240,000

Rate: 1.97% until 31/12/2018

The overall cost for comparison is 3.51% APRC representative.

Reversion rate: HSBC Bank standard variable rate, currently 3.69%.

Lender’s arrangement fee: £1,499

Mortgage term: 25 years

Repayment type: Full capital repayment basis.

Loan-to-value: 87%

Early repayment charge: Yes, until 31/12/2018.

Overpayments: Limited overpayments allowed each year.

The actual rate available will depend on your circumstances. Please ask for a personalised mortgage illustration.

To secure a fast HSBC mortgage offer, call Trinity Financial on 020 7016 0790.

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