Trinity Financial is one of a small number of mortgage brokers to be given access to Bank of Ireland’s new Bespoke lending service.
The team has been set up to help clients who are struggling to secure mortgages even though they can demonstrate affordability.
Bank of Ireland is the latest lender to target applicants who are finding it hard to get a mortgage and aims to help the self-employed, older borrowers and newly qualified professional’s.
Applicants will need a clean credit history to qualify, and meet the lender's basic entry criteria. There is a soft credit footprint, and specific rates marginally more expensive than its standard rates.
Aaron Strutt, product director at Trinity Financial, says: "The new underwriters should be able to help many of our clients if they have income from different sources, or they have recently changed their status to self-employed.
"The team can potentially take commercial income for affordability purposes and offer larger loans if applicants take five-year fixes. They can also accept up to 100% of bonuses into consideration – also, vested stock, and retained profits."
One of the Bespoke teams new policies is to ensure underwriters agree with a colleague or manager that it is not possible to lend before refusing an application.
There is no minimum loan size to qualify, although the team expects to provide mortgages between £300,000 and £750,000.
Call Trinity Financial on 020 7016 0790 to secure a mortgage