Super-fast £575,000 mortgage offer secured for first-time buyers in under 24 hours

The situation

Trinity Financial's clients were buying their first home with a purchase price of £875,000. They required a £575,000 mortgage. As first-time buyers in a competitive market, securing a competitive rate with speed and certainty to support their purchase plan and move forward with confidence.

Challenges

• High property value putting pressure on affordability thresholds
• First-time buyer status requiring a tailored strategy
• Need for a competitive rate and fast lender response

Our strategy

Trinity's broker conducted a search of the mortgage market, applying his technical knowledge of lender criteria, pricing and risk appetite to determine the most suitable lender and product for his clients’ profile — including employment type, deposit size and credit history.

Despite high incomes — the main applicant, a Software Engineer; the second applicant, a homemaker — the key strategic advantage was identifying that one applicant had Premier banking status, which would unlock preferential pricing and more generous affordability calculations otherwise unavailable to many standard applicants.

After analysis of multiple lenders and potential rate options, David recommended a large high-street bank for its exceptionally competitive pricing and enhanced criteria for its Premier customers earning over £75,000. 

Execution and speed

Thanks to thorough preparation and prompt documentation from our clients being uploaded onto Trinity's client portal:

• The application was submitted.  
• The property was automatically valued at the time of the application, a process known as a 'desktop valuation.'
• Income and Know Your Client checks were verified extremely quickly.
• Mortgage offer issued within 24 hours.

Trinity Financial's broker detailed submission package and technical understanding of the bank's appetite meant there were minimal queries from underwriting, dramatically accelerating the process.

Outcome

• £580,000 mortgage secured at up to 6x salary.
• Sub 3.7% two-year fixed rate agreed.
• Offer issued in under 24 hours.
• No unnecessary delays — streamlined valuation and underwriting.

Why this worked

• Strategic lender selection based on client profile.
• Technical underwriting knowledge, anticipating valuation and documentation requirements.
• Leveraging banking relationships (Premier status) to access preferential pricing.
• Efficient preparation with complete and accurate submission material.

Lending solutions with Trinity Financial

Are you looking to buy a property and require expert advice? We’re here to help you find a solution – no matter how complex your circumstances. Our expert brokers have extensive experience providing creative solutions to secure mortgages for our clients.

Call Trinity Financial on 020 7016 0790 to secure a mortgage or book a consultation

The information contained within was correct at the time of publication but is subject to change.

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