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London-based mortgage brokers with a track record of providing expert mortgage advice

At Trinity Financial we provide a quick, consistent and quality fee-free service for MSE readers ensuring that we always find the best mortgage to suit you.

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Residential Mortgages

Trinity Financial has a wealth of experience arranging finance for property purchases and remortgages. We have access to over 90 leading lenders, including banks and building societies, specialist lenders and the best private banks.

We compare thousands of mortgage deals so you don’t have to. We offer face-to-face, telephone, and video appointments at a time that suits you. 

Buy-to-let Mortgages

Trinity has access to lenders providing impressive rates and generous rental calculations, enabling them to offer more generous loan sizes. 

We consistently arrange:

  • Best buy rate mortgages!
  • First-time buyer mortgages.
  • Residential purchases and remortgages.
  • Buy-to-let purchases and remortgages.
  • Five times salary mortgages. Plus 5.5 times salary mortgages and even six times salary.
  • Mortgages over £500,000 and £1,000,000.
  • Fast mortgage offers.
  • Low deposit mortgages.
  • Interest-only mortgages.
  • Mortgages for Professionals.
  • Debt consolidation mortgages and capital raising for home improvements.
  • Let-to-buy mortgages.
  • Second-home mortgages.
  • Joint borrower sole proprietor mortgages.
  • Investment banker mortgages and private bank mortgages.
  • Longer mortgage terms.

Looking for a commercial mortgage, bridging or development finance? Visit our sister company Trinity Specialist Finance.

See our list of lenders.

How much can you borrow for a mortgage?

Applicant One

  1. £
  2. £

Applicant Two

  1. £
  2. £

  1. You could borrow between


    *subject to meeting the individual lender's criteria.

    • 4.5 x single or joint income - The amount most banks and building societies lend to clients.
    • 5 x single or joint income - The amount many of the more generous lenders allow clients to borrow.
    • 5.5 x single or joint income - An increasingly more generous amount available through a limited number of lenders often for first-time buyers, wealthier clients and professionals like doctors and lawyers.
    • 6 x single or joint income - This is available for some first-time buyers and potentially through some specialist mortgage lenders. Please contact us for more information.
This information is a guide only and should not be relied on as a recommendation or advice that any particular mortgage is suitable for you. All mortgages are subject to the applicant(s) meeting the eligibility criteria of the specific lender. You should make an appointment to receive mortgage advice which will based on your needs and circumstances.
Jed Newton
"Receive a bonus? Call us on 020 7016 0790. Some lenders take up to 100% of bonus income for wealthier clients."

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Mortgage News, Press & Case Studies
Mortgage News
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Case Studies

Nationwide still offering fixed mortgages from 3.80% for mortgages between £300,000 and £5 million

24th Oct 2025 • By Aaron Strutt

Some of the biggest banks and building societies have increased their mortgage rates marginally over the last few weeks, but Nationwide for Intermediaires is still offering some of the leading fixed rates.

Nationwide for Intermediaries offers a two-year fixed-rate mortgage at 3.80% and the lender has a five-year fix at just below 3.95%. These rates undercut many of the other big banks and building societies.

Nationwide’s most competitive rate is 3.80%, and it is available for homebuyers to borrow between £300,000 and £5 million. There is a £1,499 arrangement fee, and applicants must make a 40% deposit to qualify. The sub 3.99% five-year fix has the same minimum and maximum loan sizes and the same arrangement fee.

Aaron Strutt, product director at Trinity Financial, says: "Mortgage rates have edged up recently, and while they are more expensive, they still offer good value for money. 

"One of the good things about Nationwide is the way borrowers can book a rate for up to 90 days, providing a mortgage offer is produced in that time. Other lenders do not allow their decisions in principle to last so long."

Representative example: A Nationwide capital and interest mortgage of £1,000,000 payable over 30 years, initially on a fixed rate basis at 3.80% for 24 months and then on the lender's 6.24% standard variable rate for the remaining 28 years. The 3.80% rate would require 24 monthly repayments of £4,659.57 followed by 336 payments of £6,379.50. The total amount repayable would be £2,256,855.68 made up of the loan amount, plus interest (£1,255,342.80) and £1,499 (product fee), £80 (final repayment charge), £25 (completion fee). The overall cost for comparison is 6.4% APRC representative.

Greatest number of low-deposit deals for 17 years: Moneyfacts

The number of mortgage deals available for borrowers with a 10% or 5% deposit reached its highest level for 17 years this month, figures from Moneyfacts show. There are 464 deals for those with a 5% deposit and 896 deals with a 10% deposit, meaning a combined total of 1,360 product options for borrowers with a deposit of 10% or under. There are also more lenders offering really low deposit mortgages for those with less than 5% to put down.

Call Trinity Financial on 0808 1642174 to secure a mortgage, book a consultation, or complete our mortgage questionnaire. 

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

Barclays to launch market leading five-year fix (but there is a catch) as HSBC and Santander to lower mortgage rates

23rd Oct 2025 • By Aaron Strutt

Barclays, HSBC and Santander have announced they are lowering their mortgage rates as the lenders look to attract more borrowers in the run-up to Christmas.

The current slowdown in the UK mortgage and property market is also making them work a bit harder, as many buyers wait to see what Labour announces in the November Budget.

Barclays is introducing a five-year fix tomorrow priced at just over 3.90% with a £899 arrangement fee for borrowers with a 40% deposit. The maximum loan size is £2 million and properties will need to have an energy efficiency rating of 81 or above, or have energy efficiency bands A or B to qualify. The rate is marginally higher for properties with lower energy ratings.

Santander is lowering its mortgage rates by around 0.15% for new and existing customers. The Spanish bank is launching a two-year fixed rate starting from just over 3.70% for mortgages between £500,000 and £1.5 million and up to a maximum of £5 million. Product fees starting from £1,999. 

According to research from Mojo Mortgages, the average UK buyer waits 87 days, almost three months, between receiving a mortgage offer and completing their purchase. So anyone getting an offer accepted to buy a property now can expect to get their keys in February or March. However, this period is often far longer than anticipated by first-time buyers, typically consumed by conveyancing, legal checks and administrative processes.

Get expert mortgage advice from Trinity Financial

At Trinity Financial, our team of experienced London mortgage brokers specialises in helping first-time and next-time buyers secure the right deal. We work with all major lenders, including Nationwide, and can guide you through the full application process.

Call Trinity on 0808 1642174 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

How much can London's Square Mile workers borrow now the average salary has hit over £100,000?

23rd Oct 2025 • By Aaron Strutt

Average full-time pay in the City of London has reportedly broken through the £100,000 barrier for the first time following the return of banker bonuses. 

Latest official figures from the Office for National Statistics (ONS) and published in the Evening Standard show that full time workers in the Square Mile were paid an average of £103,352 in 2025, an inflation beating rise of 10.6% from last year’s figure of £93,438.

Pay in the City has been boosted in recent years by larger salaries for lawyers, particularly those working for US firms, the increasing number of tech firms clustering in the Square Mile, and resurgent bonuses for high-flying bankers and traders.

The Standard reports across London as a whole average full time pay rose 7.1% to £70,275, while median pay was up 4.7% at £49,692. If part time workers are included average pay rose 7.4% to £60,673, and median pay was up 3.9% at £43,190.

How much can I borrow for a mortgage on a £100,000 salary?

At Trinity Financial, we work closely with high-street banks and specialist lenders to help you secure the maximum possible mortgage based on your income and circumstances. We help Americans buying in the UK and professionals like bankers and traders receiving a large part of their income in bonuses.

For an annual salary of £100,000, most lenders will typically offer between 4.0× and 5.5× your income, although some can lend 6× salary depending on your credit profile, existing commitments, and overall affordability.

Income Multiple Estimated Loan Amount
4.0× £400,000
4.5× £450,000
5.0× £500,000
5.5× £550,000

 

How Much of a Bonus Will Mortgage Lenders Take Into Consideration?

Each lender has its own policy on what proportion of your bonus can be included in affordability calculations. The key factors they look at are:

  • Frequency and consistency: Regular bonuses (monthly, quarterly, or annually) that have been paid for at least two years are more likely to be accepted.

  • Evidence: Lenders typically require payslips, P60s, or bank statements to confirm the bonus payments.

  • Guaranteed vs. discretionary: Guaranteed or contractual bonuses are treated more favourably than discretionary ones that vary year to year.

Typical Lender Treatment

Type of Bonus What Lenders Usually Consider Notes
Guaranteed bonus Up to 100% If written into your employment contract
Regular annual or quarterly bonus 50–100% (average over last 2–3 years) Depends on consistency and employer
Irregular or discretionary bonus 0–50% Often only a portion is used to reflect variability

 

As a rough guide, most high-street lenders will include 50% of your average bonus income from the past two or three years. Some specialist or private banks may consider up to 100%, especially for professionals in sectors like finance, law, or medicine. Banks and building societies have eased their bonus income policies in recent years.

Our advice for higher earners:

  • Applicants with minimal debt and strong credit can often achieve the higher multiples, and lenders will be so keen to issue mortgages that rates start from around 3.80%.

  • Joint applications clearly enable borrowers to access the most generous loan sizes, especially when both are working. The lenders' issue considers both salaries.  Professionals on career progression schemes may access enhanced borrowing.

  • Trinity Financial’s advisers can compare multiple lenders to identify who will lend you the most based on your full financial situation and property requirements.

Call Trinity Financial on 0808 1642174 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 

What has been happening to mortgage rates over the last few weeks?

22nd Oct 2025 • By Aaron Strutt

There have been very few changes to fixed and tracker rate mortgages over the last few weeks, meaning a selection of two- and five-year fixes remain available at rates well below 4%. For the first time in quite a while, there were very few amendments when updating our latest £1 million+ mortgage table.

There is little doubt that the upcoming budget has slowed the sales market, as concerns about what the Chancellor will announce in her budget have arisen; however, transactions are still being completed.

Homebuyers paid £10.8bn in Stamp Duty between January and September this year, according to analysis by Coventry Building Society of the latest HMRC data – a rise of 22% on the £8.8bn collected over the same period in 2024.

Which lenders have the most competitive mortgage rates?

Santander for Intermediaries and Nationwide offer a selection of competitively priced two-year fixes, priced around 3.80%. Meanwhile, Santander, NatWest, and Halifax have three-year and five-year fixes available at rates below 4%. 

What about inflation figures?

Food prices are increasing at their slowest rate in more than a year as inflation remained unchanged for the third month in a row. The UK inflation rate remained stable at 3.8% in September, which was lower than expected, according to official figures. This means there is a chance the Bank of England base rate could come down again from 4% over the coming months, possibly in December. 

How have we been helping our clients?

Trinity’s brokers have been busy helping our clients in various financial situations to buy properties and remortgage.

We recently helped two first-time buyers secure a £750,000 part-interest-only mortgage to help them lower their costs. We also arranged a £500,000 mortgage for one of our longer-term clients, who was going through a divorce, so she could buy out her husband and stay in the family home.

We secured two mortgages worth £2 million for a restaurateur with a gap in his trading figures due to an ongoing premises refurbishment, in addition to ensuring a remortgage for a client with a farmhouse and 25 acres of land. 

Call Trinity Financial on 0808 1642174 to secure a mortgage, book a consultation, or complete our mortgage questionnaire. 

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

Surge in First-Time Buyers Using Nationwide’s six times salary Helping Hand Mortgage

20th Oct 2025 • By Aaron Strutt

Nationwide Building Society has reported a 53% increase in first-time buyers using its Helping Hand mortgage in the past year, as demand for affordable mortgage options continues to rise.

Record support for first-time buyers

Between October 2024 and September 2025, around 23,000 buyers used the Helping Hand scheme – up from 15,000 the year before. The surge follows Nationwide’s decision to let eligible buyers borrow up to six times their income, making it easier for more people to secure their first home.

Recent regulatory changes have also allowed the lender to relax its affordability criteria, extend lending to 95% Loan-to-Value (LTV) on new-build houses, and reduce stress testing.

How Helping Hand makes a difference

Launched in 2021, Helping Hand offers first-time buyers enhanced borrowing power on five- or ten-year fixed-rate deals. Since launch, the scheme has supported over 63,000 buyers and lent around £13 billion – with particularly strong take-up in London and the South East, where property prices are higher.

The average age of Helping Hand buyers is 30–31, two to three years younger than the typical first-time buyer, showing the impact of improved affordability.

Nationwide’s Group Director of Mortgages, Henry Jordan, said:

“Our decision to increase borrowing up to six times income has been a gamechanger for thousands of first-time buyers. We’re proud to keep putting first-time buyers first.”

Do other ledners offer six times salary mortgages?

Bank of Ireland for Intermediares is the latest bank to start offering up to 6 times salary mortgages. They are also available through Tipton Building Society and Kensington for Intermediaries. Although some of the UK's largest mortgage lenders, including HSBC and Santander for Intermediaries, have eased their mortgage affordability in many cases, issuing mortgages worth up to £39,000 more, they are still not generous enough to help many borrowers onto the property ladder. 

Click here to read about all of the other lenders offer up to six times salary mortgages.

Get expert mortgage advice from Trinity Financial

At Trinity Financial, our team of experienced London mortgage brokers specialises in helping first-time buyers secure the right deal. We work with all major lenders, including Nationwide, and can guide you through the full application process.

Call Trinity Financial on 0808 1642174 to secure a first-time buyer 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

Average gross buy-to-let rental yield hits 7.26% according to UK Finance

18th Oct 2025 • By Aaron Strutt

Cheaper buy-to-let mortgages, stronger rental yields and an increase in the number of landlords incorporating their property portfolios into limited companies have not helped to boost growth in a relatively flat buy-to-let market. 

In Q2 2025, there were 49,590 new buy-to-let loans advanced in the UK worth £8.8 billion, according to the UK lending figures from UK Finance.

This was relatively flat compared with the same quarter in the previous year, down 2.6 per cent by number and 0.2 per cent by value.

The average gross buy-to-let rental yield for the UK in Q2 2025 was 7.26 per cent, compared with 6.9 per cent in the same quarter in the previous year. 

What is the average buy-to-let mortgage rate?

The average interest rate across all new buy-to-let loans in the UK was 5.0 per cent in Q2 2025. This was 2 basis points higher than in the previous quarter, and 19 basis points lower than in the same quarter of 2024.

Aaron Strutt, product director at Trinity Financial, says: "If the average interest rate is 5 per cent, then lots of landlords could switch to significantly cheaper mortgage rates and improve their rental yields.

"Lenders like BM Solutions offer two-year fixes below 3% with chunky arrangement fees and rates closer to 4 per cent with £1,500 fees. Five-year fixes with pretty low arrangement fees are also priced around 4 per cent."

Reflecting the downwards movement in interest rates, the average buy-to-let interest cover ratio (ICR) for the UK in Q2 2025 was 210 per cent, up from 192 per cent in Q2 2024 and 201 in the previous quarter. Again, this is based on UK Finance figures.

How many buy-to-let mortgages are outstanding?

The number of buy-to-let fixed rate mortgages outstanding in Q2 2025 was 1.47 million, 5.5 per cent up on a year previously. In contrast, the number of variable rate loans outstanding fell by 18.0 per cent to 463,000.

At the end of Q2 2025 there were 11,270 buy-to-let mortgages in arrears greater than 2.5 per cent of the outstanding balance. This was down 560 from the previous quarter.

There were 790 buy-to-let mortgage possessions taken in Q2 2025, up 11.3 per cent on the same quarter a year previously.

Record number of landlords go professional to try and beat tax changes

The number of buy-to-let companies set up in September was the highest monthly tally since 2007 as landlords looked to shelter their profits from the taxman and higher interest rates.

There were 6,493 landlord incorporations last month and 51,295 since the beginning of the year, according to the estate agency Hamptons — the busiest first nine months of a year since the company began tracking the data 18 years ago.

Call Trinity Financial on 0808 1642174 to secure a buy-to-let mortgage, book a consultation, or complete our mortgage questionnaire. 

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

The i - Hope for mortgages - with winter 2025 interest rate cut now back 'on cards'

22nd Oct 2025 • By Aaron Strutt

The chance of the Bank of England cutting interest rates before the end of the year has increased, in good news for mortgage holders.

Inflation in the year to September was revealed as being 3.8% which was lower than most economists expected. 

Aaron Strutt, product and communications director at Trinity Financial, added: “I suspect the base rate will come down in December and if it does, then mortgage rates may edge down a bit.

“Normally when we are heading towards the end of the year some of the bigger lenders lower their rates to attract business and it may well happen again over the coming weeks.”

Click here to read the full story £

Thisismoney.co.uk - Barclays cuts mortgage rates for home buyers with smaller deposits

25th Sep 2025 • By Aaron Strutt

Barclays has cut mortgage rates for home buyers with smaller deposits.

The high street bank is now offering the only sub-4 per cent deal on the market for someone buying with a 20 per cent deposit.  

Aaron Strutt, product and communications director at London-based Trinity Financial hopes the rate cuts will breathe some life back into the market.

He told Thisismoney.co.uk: 'Some of the best buy rates are coming back down again, which is welcome news given that more price hikes had been predicted. 

'Nationwide and Halifax have already lowered their prices so Barclays is probably reacting to their changes. The upcoming Budget seems to have taken some of the heat out of the property market, so once again rates need to drop to liven things up.'

Click here to read the full story 

Daily Mail - Nationwide cuts mortgage rates despite Bank of England's decision to hold

18th Sep 2025 • By Aaron Strutt

Mortgage rates are heading lower after Britain's biggest building society announced it's cutting rates.

From tomorrow, Nationwide will lower rates across some of its deals by up to 0.18 percentage points. It comes within hours of the Bank of England's decision to keep the base rate on hold at 4 per cent.  

'It is great to see Nationwide lowering rates again and offering two-year fixes from 3.8 per cent and five-year fixes from 3.94 per cent,' Aaron Strutt of mortgage broker Trinity Financial told the Daily Mail's money section.

'Most of the big lenders have been pushing up their fixes recently so this is a welcome reversal from the price hikes we have been seeing. 

'Many of Nationwide’s competitors will probably look at this move and wonder how they are improving their pricing, but as we know, Nationwide likes to top the best buy tables to increase competition in the market. There are still decent rates to choose from at the moment.'

Click here to read the full story. 

The Times - Mortgage lender bans the Bank of Mum and Dad

10th Sep 2025 • By Aaron Strutt

Newcastle Building Society has a new mortgage for first-time buyers — the only catch is that they cannot also be relying on the Bank of Mum and Dad.

The lender said the terms of its deal were designed to ensure that those who do not have the benefit of parental help have a chance of getting onto the property ladder.

Aaron Strutt from the mortgage broker Trinity Financial said the move was “highly unusual for a mortgage lender” and he knew of no other lenders imposing such restrictions.

Aaron added: “Lenders have been pushing for more first-time buyer business, and not all of them are going to have a 10 or even a 5 per cent deposit, so they need a bit more help. The rates can range quite substantially, so it’s not always worth taking the first low deposit offer you see.

“A lot of people benefited from those low-deposit deals years ago, so it doesn’t seem unreasonable to have them. But you need to have a good credit score, a decent income or a track record of paying rent — it’s not like it was before 2008 when pretty much anyone could get them.”

Click here to read the full story £

The i - Fewer borrowers opting for big mortgages - even though more banks are letting them

9th Sep 2025 • By Aaron Strutt

Fewer households are taking out mortgages that are far bigger than their incomes, despite banks relaxing rules to allow more of them to do so.

But figures produced by the Bank of England actually show that the proportion of mortgages lent to those with high loan-to-income (LTI) ratios dropped in the second quarter of the year.

Aaron Strutt, at brokers Trinity Financial, added: “More banks and building societies are offering income stretch mortgages than ever as they continue to tempt homebuyers to borrow more money to get on the property ladder, or get bigger mortgages to buy a nicer property in an area they prefer.

“Many older and more risk-averse people think that income stretch mortgages are a recipe for disaster and they should not be available. The difficulty is many first-time buyers will never get on the property ladder without them.”

Click here to read the full story £

Mortgage Introducer - Angela Rayner admits she didn’t pay enough stamp duty on new seaside flat

3rd Sep 2025 • By Aaron Strutt

Deputy prime minister Angela Rayner is in hot water after acknowledging she paid insufficient stamp duty on her £800,000 flat in Hove, East Sussex.

The issue arose when it was revealed that she had classified the property as her main residence, which resulted in a lower tax bill. Legal advice at the time indicated she was eligible for the standard rate, but subsequent expert counsel found this advice to be incorrect due to the structure of a trust established for her son.

Anthony Emmerson, of Trinity Financial, reacted with disbelief to the explanation and told Mortgage Introducer that Rayner's head should roll given the hypocrisy involved.

"We find it hard to believe that the deputy PM who is in charge of housing and surrounded by the amount of high level advisers and lawyers could not obtain the correct tax advice on the amount of stamp duty to pay. The fact that she was transferring a property into a trust also calls into question the reason she was doing so as well.  She was clearly also trying to prevent future inheritance tax liability via that Trust given the rules that their government are bringing in. Her actions again calls back into question the sale of her prior residence which she claimed to be her main residence and did not pay capital gains tax on.

"Her mantra of asking those with the broadest shoulders to pay their share clearly does not apply to herself, and she should be removed from government for it."

Click here to read the full story 

£750,000 interest-only mortgage for first-time buyers keen to minimise their monthly costs

21st Oct 2025 • By Aaron Strutt

Trinity Financial recently helped two first-time buyers purchase their first home by securing them a competitively priced part-interest-only mortgage.

After finding our details online and calling us, they spoke to one of our advisers and stressed they wanted the lowest possible monthly costs and a long mortgage term.

Were they in a rush to complete?

Yes, they needed a quick process as the seller was moving abroad.

Why did they need our help?

They were keen to ensure they got the lowest possible £750,000 interest-only mortgage and wanted us to search the market for them. They also required a lender with a good reputation and excellent customer service ratings.

Did we struggle to find a lender?  

Our broker promptly sourced the most competitively priced five-year fixed rate, priced at just below 4.10%, with a £995 arrangement fee. 

After discussing the mortgage application with the lender's larger mortgage loan team, the case was agreed. Once the mortgage was submitted, an offer was produced within seven working days.

Was the mortgage on interest-only or with a longer term? 

Part interest-only and part capital repayment over a 30-year term. This way, some of the mortgage was going to be repaid each month rather than staying the same over the mortgage term. 

Was the rate particularly good?

Competitive considering the large interest-only element.

Was there anything else unusual? 

The couple had a large deposit being gifted to them by their family.

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 0808 1642174 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

Another property with land mortgage secured for clients remortgaging house with 25 acres

15th Oct 2025 • By

Trinity Financial's brokers have a reputation for helping clients to buy or remortgage properties with lots of land, and here is another example of how we helped a couple release cash from their home with 25 acres. Over the years, we have built up an extensive list of lenders keen to lend on rural properties. 

Did they have a complex situation?

Our clients owned a farmhouse and it had 25 acres of land. It was unencumbered, so it had no mortgage, and they wanted to raise money for an extensive refurbishment. Many mortgage lenders will only go to 10 acres, but our broker was able to get them a market-leading rate with a bank that was happy with the 25 acres.  

Were they in a rush to complete?

Our clients were keen to access the remortgage funds so they could start the refurbishment work. The lender asked for a breakdown of costs to show roughly how the money would be spent.

Why did they need our help?

Their previous broker could not find a lender willing to provide the funds.  

Did we struggle to find a lender?  

No, even though a lot of research is involved. Some lenders do not lend on properties with outbuildings, grazing animals, or commercial agreements linked to the property or land. Still, this property did not have any of these, so it was a relatively straightforward application. 

Was the mortgage on interest-only or capital repayment? 

Capital repayment to ensure the mortgage was repaid by the end of the term.

Was the rate particularly good?

Yes, market leading.

Where did they get our details from?

They found our details via Google. 

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 0808 1642174 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

Let-to-buy mortgage secured to help couple buy their 'dream home'

14th Oct 2025 • By Aaron Strutt

Trinity Financial's broker recently helped a couple purchase their ‘dream home’ by securing a let-to-buy mortgage for them.

They had equity in their existing home and wanted to use it to generate the deposit to help them move up the property ladder.

After their initial conversation with our adviser, he said that we would be able to convert their existing property into a buy-to-let and secure an £850,000 mortgage for them to purchase their new home.

What did they do for a living?

Our clients worked in the financial sector.

Did they have a complex situation?

They had a four-bedroom house that they had been living in for ten years.

As the property would not rent for enough money to secure a sufficiently large buy-to-let mortgage, we needed a buy-to-let lender that would use their salary plus the rent to squeeze out extra borrowing for them. 

We withdrew extra cash from their current home to help them with the purchase of their new property.

Why did they need our help?

They were not entirely sure at the beginning about how to obtain the finance they wanted. They were also unsure that they would be able to get their 'dream home'.

They specifically wanted a two-year fixed for the let-to-buy so they can rent the property for now and sell it in the future when they feel ready.

They also wanted the simplicity of having a broker to help them submit both applications.

Did we struggle to find a lender?  

No. Our primary focus was on securing a competitively priced rate, while also utilising top slicing for added affordability.

We had found a suitable lender for both applications. They had an exclusive broker rate for the purchase, which was the cheapest on the market at the time, and they would also offer 'top slicing' for the let-to-buy. Additionally, combining both applications with the same lender streamlines the mortgage process.

Was the mortgage on interest only? 

The let-to-buy was on interest-only.

Let-to-buy mortgage of £415,000 and onward purchase mortgage for £850,000. 

Was the rate particularly good?

The property purchase rate was the best on the market at the time, and let-to-buy was the 8th lender on our sourcing lists; however, the difference between the rates was minimal.

Where did they get your details from?

They found our details online and called us.

Call Trinity Financial on 0808 1642174 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

£500,000 transfer of equity divorce mortgage for client keen to stay in family home

10th Oct 2025 • By

Trinity Financial recently arranged a £500,000 mortgage for an existing client going through a divorce.

She was employed and part way through the divorce process, and needed to increase the mortgage to carry out a transfer of equity. She needed the additional funds to buy out her ex-partner and get his name removed from the mortgage and ownership of the property.

Our client required an income stretch and also for her capital repayment mortgage to be switched to interest-only to make the mortgage more affordable in the short term.

Why did they need our help?

This client was extremely keen to stay in their family home. She asked us to find her a lender to offer the required mortgage size and on affordable terms.

Trinity's broker found a lender offering competitively priced rates with generous affordability calculations, willing to provide the full £500,000. After the mortgage application was submitted, the money was offered within a week.

Was the mortgage on interest-only or capital repayment?

Yes, interest only, to help with affordability while the children are young.  We will review this at the end of the current five-year fixed-rate product to ensure they have a valid way to repay the debt or to devise a strategy.

Where did they get our details from?

This is an existing client.

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 0808 1642174 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

Two mortgages totalling £2 million for restaurateur showing loses on accounts after closing for refurbishment

10th Oct 2025 • By Aaron Strutt

Trinity Financial recently helped our clients to secure a let-to-buy mortgage where they turned their existing home into a buy-to-let while releasing funds to put towards the purchase on a new build property.

What did they do for a living?

Restaurant owner but they had been closed for a refurbishment for seven months, so profits were significantly down.

They had found a new build house to buy with a short timescale initially and wanted two mortgages totally £2 million. They were concerned it would not be possible to raise so much money.

Why did they need Trinity's help?

They had been to other brokers who were unable to secure a let-to-buy on an unencumbered property as well as a mortgage for the new build purchase.

Trinity’s broker found a large building society that ignored the loss from 2024 and used an average of 2025 and 2023 to secure the deal. He also found lender to remortgage the old home to release cash and turn it into a buy-to-let. 

Did we struggle to find a lender?  

It was tricky getting this agreed due to the size of the loan as well as the business having a loss in the previous year.

Was the mortgage on interest only or capital repayment?

Interest-only on both mortgages. The let-to-buy mortgage was £500,000 and the new building mortgage was £1.5 million. 

Was the rate particularly good?

The buy-to-let mortgage and new building purchase mortgage were price just over 4%.

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.

At Trinity Financial, our expert brokers have extensive experience providing creative solutions to secure mortgages for our clients.

Call Trinity Financial on 0808 1642174 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

Mortgage agreed for clients to buy £1.3 million house with second charge to fund refurbishment work

9th Oct 2025 • By Aaron Strutt

Trinity Financial recently arranged a larger mortgage loan to help our clients buy a £1.3m property. The couple had a large combined income, but their deposit was not big enough to purchase the house and fund the home improvements. 

The property in London required extensive work, and they were struggling to come up with a solution because they could only put together a five per cent deposit while retaining funds for stamp duty and the refurbishment costs.

Our adviser, David Sanders, initially found a lender willing to offer the required amount; the rate was close to seven per cent, but the lender declined the application because the property was downvalued. 

Why did they need your help?

They asked if we could find a different lender with a five or ten per cent deposit who would use a different valuer; however, David offered them a better option entirely. After considering all options and getting to know their situation, David recommended that they take out a 15% deposit mortgage with a fixed rate just below 4%. He then introduced them to our second-charge partner to secure a second-charge loan following completion of the purchase.

While the second charge was at a high rate, the overall cost was lower for them, as the higher rate only applied for a short period of time until they had added some value to the property, allowing them to refinance in two years, which was when they expected the initial work to be finished.

The applicants were initially hesitant; however, once they saw the comparative cost, the better lender, and had spoken to the second charge provider, they were delighted with the recommendation.

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 0808 1642174 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

Get in touch

To arrange a meeting with one of our expert mortgage advisers complete our enquiry form or mortgage questionnaire and we will call you back. Please note, by submitting this information you have given your agreement to receive verbal contact from us to discuss your mortgage requirements.

You voluntarily choose to provide personal details to us when submitting an enquiry. Your information is confidential and held in accordance with the appropriate data protection requirements. Read Trinity Financial's privacy policy.

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Other ways to get in touch

0808 1642174
mseenquiries@trinityfinancialgroup.co.uk
Whatsapp 077805 31022
Mortgage Questionnaire
155 Upper Street, Islington, London, N1 1RA

Our list of Mortgage Lenders

Trinity Financial works with a broad range of lenders across the UK.

We offer a comprehensive range of first charge mortgages from across the market. Details of our lender panels are outlined below:

  • Accord Mortgages
  • Aldermore Mortgages
  • Ahli United
  • Bank of Ireland UK
  • Bank of Ireland "Bespoke"
  • Barclays
  • Barclays Wealth
  • Bank of China
  • Bluestone Mortgages
  • Beverley Building Society
  • BM Solutions
  • Buckinghamshire Building Society
  • Cambridge 
  • Capital Home Loans
  • Chorley Building Society
  • Clydesdale Bank
  • Coutts
  • Coventry / Godiva Mortgages
  • Darlington Building Society
  • Digital Mortgages by Atom Bank
  • Dudley Building Society
  • Fleet Mortgages
  • Family Building Society
  • First Trust
  • Foundation Home Loans
  • Furness Building Society
  • Generation Home
  • Halifax Intermediaries
  • Hanley Economic Building Society
  • Handelsbanken 
  • Harpenden Building Society
  • Hinckley & Rugby Building Society
  • Hodge Lifetime
  • HSBC for Intermediaries
  • Interbay
  • Kensington
  • Kent Reliance Building Society
  • Keystone
  • Landbay
  • Leeds Building Society
  • Leek Building Society
  • Mansfield Building Society
  • Market Harborough Building Society
  • Marsden Building Society
  • Moda Mortgages
  • Monmouthshire Building Society
  • Melton Building Society
  • Metro Bank
  • MPowered
  • Nationwide For Intermediaries
  • NatWest Intermediary Solutions
  • Newbury Building Society
  • Newcastle Intermediary Services
  • The Nottingham
  • The Mortgage Works
  • TSB for Intermediaires
  • Paragon
  • Pepper Homeloans
  • Penrith Building Society
  • Platform for Intermediaries
  • Precise Mortgages
  • Progressive Building Society
  • Principality Building Society
  • Quantum Mortgages
  • Santander for Intermediaries
  • Saffron Building Society
  • Scottish Widows Bank
  • Scottish Building Society
  • Shawbrook Bank
  • Skipton for Intermediaries
  • Skipton for International
  • Stafford Railway Building Society
  • Suffolk Building Society
  • Swansea Building Society
  • Tandem Specialist Mortgages
  • Teachers Building Society
  • The Mortgage Lender
  • The Mortgage Works
  • Tipton & Coseley Building Society
  • Together 
  • TSB Bank plc
  • United Trust Bank
  • Virgin Money for Intermediaries
  • The West Brom
  • Zephyr

Trinity Financial has access to a wide range of private banks providing £1million+ mortgages, including:

  • Arbuthnot Latham
  • Bank of Canada
  • Barclays
  • Butterfield
  • Coutts
  • EFG 
  • HSBC Private Bank
  • Investec
  • Klienworth Benson
  • Santander

Specialist partners 

  • Buildloan 
  • TBMC
  • IMPACT Specialist Finance
  • Affirmative
  • Optimum ELITE

We do not currently have access to:

  • Chelsea Building Society
  • First Direct
  • Yorkshire Building Society
  • Yorkshire Bank
  • RBS
  • Lloyds

Book a Consultation

Our expert brokers have a wealth of experience working with all types of clients, whether they live in the UK or internationally.

Navigating the mortgage market is now more complex than ever. However, Trinity simplifies the process and removes the stress out of arranging finance.

As part of our bespoke mortgage service:

  • Trinity makes securing a mortgage as smooth and straight forward as possible;
  • Trinity researches the best lender and mortgage rates;
  • Trinity explains the mortgage options available;
  • Trinity updates applicants on the progress of their mortgage application at each stage.

To find out more about our services and how we can help you to secure a mortgage, call us on 020 7016 0790, book a consultation using the form below or complete our mortgage questionnaire. Our expert brokers will be happy to assist. 

Get started today

At Trinity Financial we provide a quick, consistent and quality service ensuring that we always find the best mortgage to suit you.

You voluntarily choose to provide personal details to us when submitting an enquiry. Your information is confidential and held in accordance with the appropriate data protection requirements. Click here to read Trinity Financial's privacy policy.

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Mortgage Questionnaire

Personal Details

Applicant 1
Applicant 2
First Name *
+ Add Applicant
Last Name *
Next Age or Date of Birth *
Current Address *
Copy all Addresses
Previous Address
2nd Previous Address
Best contact number *
Alternative contact number
Email *
Residential status *

Employment History

Applicant 1
Job Title or Sector
Job Type *

If Employed

Salary
Bonus
Commission
Overtime

If Self employed

Latest year net profit
2nd most recent net profit
3rd most recent net profit

If Contractor

Day rate
Latest year net profit
2nd most recent net profit
Applicant 2
Job Title or Sector
Job type
 

If Employed

Salary
Bonus
Commission
Overtime

If Self employed

Latest year net profit
2nd most recent net profit
3rd most recent net profit

If Contractor

Day rate
Latest year net profit
2nd most recent net profit

Financial Commitments

Applicant 1
Applicant 2
Copy from Applicant 1
Monthly credit commitments *
Monthy transport costs *
Monthly utility costs *
General living costs *
Pension contributions *
Children
Please state your school or childcare fees, if applicable
Not applicable
Not applicable

Credit History

Credit History *

Mortgage Details

Applicant 1
Mortgage requirements *
Purchase price
Deposit
Property URL
Property value
Mortgage balance
Existing mortgage lender
Current mortgage rate
Remaining term - Years
Remaining term - Months
Mortgage Type *
Purchase price
Deposit
Approximate rental income
Property URL
Property value
Mortgage balance
Approximate rental income
Existing mortgage lender
Current mortgage rate
Remaining term - Years
Remaining term - Months
Mortgage Type *
Applicant 2
Mortgage requirements
 
Purchase price
Deposit
Property URL (i.e. the website link from your estate agent website or Rightmove)
Property value
Mortgage balance
Existing mortgage lender
Current mortgage rate
Remaining term - Years
Remaining term - Months
Mortgage Type *
Purchase price
Deposit
Approximate rental income
Property URL (i.e. the website link from your estate agent website or Rightmove)
Property value
Mortgage balance
Approximate rental income
Existing mortgage lender
Current mortgage rate
Remaining term - Years
Remaining term - Months
Mortgage Type

Other Services

Please select any products/services you may be interested in.

By selecting Solicitors or International Money Transfer you are permitting us to put you in touch with a third party company, who will contact you after our initial discussions. Life cover and Home Insurance services are typically managed internally.

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You voluntarily choose to provide personal details to us when submitting an enquiry. Your information is confidential and held in accordance with the appropriate data protection requirements. Click here to read Trinity Financial's privacy policy.

Tel: 0808 1642174 | Email: mseenquiries@trinityfinancialgroup.co.uk

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