£650,000 remortgage secured for lawyer and architect moving from sole trader to limited company

Client profiles

Trinity Financial’s clients were a lawyer and an architect looking to remortgage their existing property. They wanted to move away from their current lender after being dissatisfied with the service they had received and were keen to find a more suitable deal elsewhere.

The challenge

The case had an added layer of complexity because one of the applicants had moved from being a sole trader to operating through a limited company during the 2025/26 tax year. As a result, there were no company accounts available yet.

This meant the clients needed a lender that was comfortable assessing the application using SA302s and Tax Year Overviews, without requiring limited company accounts.

Timing was also important. The clients wanted a quick mortgage offer so the free legal service could be instructed promptly and the legal work could begin as soon as possible, as their existing fixed rate was due to end on 30 April.

How Trinity Financial helped

The clients came to Trinity Financial after finding us through our website and asked us to source the best lender for their circumstances, provided it was not their existing lender.

After reviewing their income structure and remortgage requirements, we identified lenders that could work with the available documentation. Barclays was one of the first options we explored and proved to be the right fit for the case.

We recommended a capital repayment mortgage with a big bank, securing a competitive fixed rate of around 3.75%, which was strong by current market standards at the time of application.

The result

The mortgage application was submitted on 6 March and the offer was issued on 20 March.

There was a small delay during the process because the clients had around £5 remaining on an outstanding tax bill, which needed to be cleared before the mortgage could be formally offered. Once this was resolved, the offer was issued successfully.

Outcome for the clients

• £650,000 repayment mortgage secured
• Large bank as the lender
• 3.75% fixed rate secured until 30 June 2028
• 25-year mortgage term
• Remortgage arranged using SA302s and Tax Year Overviews
• Lender found without needing limited company accounts
• Legal work able to start quickly ahead of the clients’ existing rate ending

Speak to a Trinity Financial adviser today

The mortgage market moves fast — and the right advice can make a significant difference to the rate and deal you secure. Get in touch with our team to discuss your options.

Call Trinity Financial on 020 7016 0790 to secure a fixed or tracker rate mortgage, book a consultation, or use our appointment calendar

The information contained within was correct at the time of publication but is subject to change. It is for general information purposes and is not advice.

Your mortgage is secured on your property. Your property may be repossessed if you do not keep up repayments on your mortgage