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NatWest increases income multiples to help higher earners secure larger mortgages

NatWest has made a significant change to its mortgage affordability policy, increasing the maximum loan-to-income multiple available to higher-earning joint applicants.

The lender has confirmed that joint applicants earning £150,000 or more may now be able to borrow up to 6.5 times income, provided they are borrowing at 75% loan-to-value or below. This means applicants will usually need at least a 25% deposit or equity to access the most generous borrowing levels.

A couple earning £150,000 a year could opt to borrow the maximum £975,000 in order to buy a £1.3m home at 75 per cent loan-to-value. This is providing they have a large enough deposit, a good enough credit score and minimal credit card payments or cars on finance. A five-year fixed rate of just below 4.7% with NatWest, with a £1,495 fee, would equate to paying £5,525 a month on a 25-year repayment term. 

NatWest has often been one of the more competitive high street banks for mortgage rates, and this change makes its proposition more appealing for borrowers who need a bigger loan to buy the property they want.

Why has NatWest increased its mortgage income multiples?

NatWest is clearly targeting higher-earning borrowers who are keen to maximise their borrowing potential. Affordability remains one of the biggest issues in the mortgage and property markets, especially in London and the South East, where property prices can be high even for applicants with strong incomes.

This is also NatWest’s fourth loan-to-income enhancement this year, suggesting the bank is keen to support more borrowers who need larger mortgage loans. Trinity Financial’s existing mortgage research shows NatWest had already been listed among the lenders offering higher loan-to-income options, while other lenders such as HSBC have also moved into the 6.5 times salary market for selected applicants.

How much could you borrow at 6.5 times salary?

A 6.5 times salary mortgage can make a substantial difference to the maximum mortgage available.

These figures are only examples. Mortgage lenders still run full affordability checks, including credit commitments, dependants, mortgage term, deposit size, credit score and the type of income being used.

Aaron Strutt, product director at Trinity Financial, says: “This is an unexpected move from NatWest, and it makes the bank’s proposition more appealing to higher earners looking for larger mortgage loans, especially as NatWest often has the most competitively priced mortgage rates.

“NatWest has always been a relatively generous lender, but this policy change moves it closer to the top of the income multiple market for high-earning borrowers. It is now more generous than many other banks and building societies for applicants who meet the income and loan-to-value requirements.

“That said, borrowers need to think carefully before taking on such a large mortgage. Even applicants earning £150,000 or more must be comfortable with the monthly repayments, the impact of future rate changes and the longer-term commitment of carrying a bigger debt.

“For many buyers, the issue is not that they want to borrow recklessly. They simply need a slightly more generous loan size to buy the property they want. NatWest’s change could help those applicants, particularly in higher-value areas where affordability is still a major challenge.”

Is NatWest now one of the most generous high street mortgage lenders?

For higher-earning joint applicants with a sizeable deposit or equity, NatWest’s new policy is highly competitive. A 6.5 times income multiple puts it among the more generous mainstream lenders for borrowers looking to maximise their mortgage loan size.

HSBC also advertises that Premier customers may be able to borrow up to 6.5 times income, subject to criteria and affordability checks. This shows that some major high street lenders are becoming more comfortable offering larger income stretch mortgages to selected customers.

However, the right lender will depend on the applicant’s income structure, deposit, credit profile and property type. Some borrowers may find another bank, building society or specialist lender offers a better result, particularly where bonus income, self-employed income, professional income or complex earnings are involved.

Do you need to earn £150,000 to get a higher income multiple mortgage?

No. While NatWest’s most generous 6.5 times income option is aimed at higher-earning joint applicants, there are other lenders offering enhanced income multiples to different types of borrowers.

Some lenders offer five times, 5.5 times, six times or even higher income multiples to first-time buyers, professionals or applicants meeting specific criteria. Trinity Financial’s mortgage research shows there are various higher-income multiple options across the market, although many come with income thresholds, deposit requirements or product restrictions.

This is why it is important not to rely on one lender’s affordability calculator. The difference between lenders can be tens or even hundreds of thousands of pounds.

Should you borrow 6.5 times your income?

Borrowing 6.5 times income can help buyers purchase the home they want, but it should be approached carefully.

A larger mortgage means higher monthly repayments, less disposable income and greater exposure if rates rise in the future. Borrowers should consider whether they could still afford the mortgage if their circumstances changed, if one applicant stopped working, or if mortgage rates were higher when they next remortgage.

The cheapest lender is not always the best lender if it will not lend enough. Equally, the banks and building societies offering the biggest mortgage are not always the right choice if the repayments feel too stretched.

How Trinity Financial can help

Trinity Financial regularly helps higher earners, professionals, first-time buyers, home movers and remortgage customers compare lenders offering larger mortgage loans.

Our brokers can check NatWest’s affordability alongside other banks and building societies to see which lender offers the right balance of loan size, interest rate, criteria and flexibility.

For borrowers seeking a larger mortgage, the key is to compare the market properly rather than assuming one affordability calculator gives the final answer.

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 0808 1642174 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

FAQs

Can NatWest offer 6.5 times income mortgages?
NatWest has increased its maximum loan-to-income multiple for eligible joint applicants earning £150,000 or more. The highest multiple may be available up to 75% loan-to-value, subject to full affordability checks and criteria.

Do I need a 25% deposit for NatWest’s highest income multiple?
The enhanced 6.5 times income option is available at 75% loan-to-value or below, which usually means borrowers need at least a 25% deposit or equivalent equity.

Which lenders offer 6.5 times salary mortgages?
NatWest and HSBC are among the lenders offering up to 6.5 times income for selected applicants, subject to criteria. Other lenders may offer five times, 5.5 times or six times income depending on income, deposit, occupation and borrower profile.

Nationwide Building Society is lowering rates and offering a market-leading two-year fix at 4.35% and a leading 5-year fix at just below 4.45%. Borrowers need to raise between £300,000 and £5 million to access Nationwide’s lowest rates, but the rates are not that much more expensive if you want a smaller loan size. 

Nationwide, NatWest and Virgin Money are improving mortgage rates from 12 May 2026, giving borrowers another sign that the mortgage market is becoming more competitive. The reductions come as lenders fight harder for purchase, remortgage and product transfer business, particularly from borrowers with strong deposits or higher levels of equity.

Nationwide has announced price cuts of up to 0.36%, with some of the biggest reductions aimed at first-time buyers. Its five-year fixed rate aimed at buyers with a 10% deposit, with a £999 arrangement fee, has been reduced to just below 4.9%, while its equivalent with a 15% deposit has fallen to below 4.80%. For home movers, Nationwide’s two-year fixed rate for those with a 40% deposit with a £1,499 fee has dropped to 4.35%, one of the most competitively priced deals on the market.

Representative example for Nationwide's 4.35% rate: A capital and interest Nationwide mortgage of £500,000 payable over 30 years, initially on a 4.35% fixed rate for two years and then on a variable rate of 6.49% for the remaining 28 years, would require 24 monthly repayments of £2,496.60 followed by 336 monthly repayments of £3,131.86. The total amount repayable would be £1,116,356.16.

This amount is illustrative and may vary, made up of the loan amount, plus interest (£610,710.32) and £1,499 (product fee), £65 (final repayment charge), £15 (completion fee). The overall cost for comparison is 6.3% APRC representative.

Virgin Money and NatWest are also improving mortgage rates

Virgin Money is reducing selected purchase and remortgage rates. Its two-year fixed purchase rates are being cut by up to 0.26%, five-year fixed rates by up to 0.24%, and shared ownership rates by up to 0.26%. Virgin Money’s two-year fixed remortgage rates are falling by up to 0.24%, while five-year fixed remortgage rates are being reduced by up to 0.10%.

Aaron Strutt, product director at Trinity Financial, says: “It is encouraging to see Nationwide, NatWest and Virgin Money cutting mortgage rates at the same time. This shows lenders are still keen to attract borrowers, especially those with larger deposits or more equity in their homes. The cheapest headline rates can look attractive, but borrowers need to factor in arrangement fees, loan size restrictions and whether a two-year fix or tracker, or a three-year or five-year fix is the best option for them.”

The rate cuts should help first-time buyers, home movers and remortgage customers who have been waiting for pricing to improve. However, many borrowers coming off older fixed rates are still likely to face higher monthly repayments, so it is important to compare deals carefully.  Trinity Financial’s brokers are helping clients compare rates from Nationwide, NatWest, Virgin Money, HSBC, Santander, Barclays and other lenders to work out which mortgage offers the best overall value.

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 0808 1642174 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

Lloyds Banking Group is launching a new £5,000 deposit mortgage to help first-time buyers purchase a property with a much smaller deposit than is normally required.

The new low-deposit mortgage will be available through Lloyds, Halifax and Bank of Scotland, including via Trinity Financial's mortgage brokers. It is aimed at renters and first-time buyers who can afford monthly mortgage payments but are finding it difficult to save a large deposit while paying rent and other household bills.

The product is expected to be available from 18 May 2026 and will allow eligible first-time buyers to borrow more than 95% of the property's value with a minimum deposit of £5,000. Lloyds says the mortgage will be available on properties worth up to £300,000, with borrowing between £97,000 and £295,000. Borrowers will have to take a five-year fixed-rate product currently priced just below 5.90%.

This is a significant move from the UK’s biggest mortgage lenders and could make a big difference to buyers who are struggling to save a traditional 5% or 10% deposit. The £5,000 minimum personal deposit required cannot be gifted from a friend or family member. Proof of the deposit and how it was saved may be required

How does the Lloyds £5,000 deposit mortgage work?

The Lloyds £5,000 deposit mortgage is a low-deposit first-time buyer mortgage. Instead of needing a 5% deposit, some buyers may be able to purchase with a fixed £5,000 deposit.

For example, a first-time buyer purchasing a property for £250,000 would usually need a £12,500 deposit for a standard 95% mortgage. With the Lloyds £5,000 deposit mortgage, the deposit needed could be much lower.

Why is Lloyds launching a £5,000 deposit mortgage?

Saving a deposit is one of the biggest challenges facing first-time buyers. Many renters are already paying high monthly rents, but saving tens of thousands of pounds can take years.

Lloyds says its new mortgage could help buyers get onto the property ladder sooner and reduce the time it takes to move from renting to owning. The lender has also said the product could support around £500 million of lending to first-time buyers over the next year.

For buyers without help from the Bank of Mum and Dad, this type of mortgage could be an important new option.

Key features include:

• Minimum deposit of £5,000
• For those without financial support from family towards a deposit 
• Available on properties worth up to £300,000
• Maximum loan to value of 98%
• Maximum loan to income ratio of 4.49x
• Five-year fixed rate product just below 5.9%
• Mortgage term of up to 40 years
• No product fees
• Available to both employed and self-employed applicants
• A free Level 1 mortgage valuation will be included with these products
• Only one customer on a joint application has to be a first time buyer
• This must be the customers only residence and they must not have an interest in any other properties such as a second home or buy to let.

Are there many other lenders offering low-deposit mortgages?

There are more low-deposit mortgages available than there were a few years ago, but options below a 5% deposit are still relatively limited. 

• Santander My First Mortgage offers a 98% loan-to-value mortgage for first-time buyers, with a minimum deposit of £10,000. Santander says borrowers can take loans between £190,001 and £500,000, although the product is not available for flats, new-build homes or properties in Northern Ireland.
• Skipton Building Society’s Track Record mortgage is another low or no-deposit option. It is aimed at renters or people who have not owned a property in the past three years, and Skipton uses the applicant’s rent payment track record to assess how much they may be able to borrow.
• Nationwide Helping Hand is slightly different. It is not a 98% or 100% mortgage, but it can help first-time buyers borrow more, with some applicants able to borrow up to six times their income. This can help buyers whose main issue is affordability rather than deposit size.
• There are also standard 95% mortgages, where buyers need a 5% deposit and borrow 95% of the property value. Lloyds and Halifax both offer 95% mortgage options for first-time buyers and home movers. Click here to read our blog highlighting many of the best first-time buyer deals.

Does it make sense to take a £5,000 deposit mortgage?

A £5,000 deposit mortgage can make sense for some first-time buyers, but it is not the right answer for everyone. The biggest benefit is that it could help buyers purchase sooner. This may be attractive if the buyer is paying expensive rent and can comfortably afford the monthly mortgage payments.

However, there are risks. Borrowing at around 98% loan-to-value means the buyer has very little equity in the property. If house prices fall, the borrower could be at risk of negative equity. This means the mortgage could be higher than the value of the home.

Low-deposit mortgages can also be more expensive than mortgages for borrowers with larger deposits. Buyers with 10%, 15% or 25% deposits usually have access to a wider range of mortgage deals and more competitive rates.

Comment from Trinity Financial

Aaron Strutt, product director at Trinity Financial, says: “Lloyds launching a £5,000 deposit mortgage is a big development for first-time buyers because it tackles one of the biggest barriers to homeownership: saving the deposit. The lender already has its First-Time Buyer Boost product offering up to 5.5 times salary mortgages.

“There are many renters who are already making substantial monthly rent payments and could afford a mortgage, but they are unable to save a large deposit quickly enough. A product like this could help some of them buy sooner.

“That said, borrowers need to be careful. Very low-deposit mortgages leave buyers with limited equity, and if property prices fall there is a greater risk of negative equity. The mortgage rate, monthly repayments, property restrictions and future remortgage options all need to be considered.

“First-time buyers should not automatically choose the mortgage with the smallest deposit requirement. They need to compare Lloyds, Halifax, Santander, Skipton, Nationwide and other lenders to see which option gives them the best overall outcome.

“This is exactly where our brokers can help. The right mortgage depends on the buyer’s income, credit profile, deposit, property type, purchase price and long-term plans.”

What are the alternatives to the Lloyds £5,000 deposit mortgage?

New research reveals a clear tipping point in aspiring homebuyer behaviour, with nearly half of renters saying they would buy immediately if monthly mortgage payments matched what they currently pay in rent.

First-time buyers may want to compare the Lloyds £5,000 deposit mortgage with:

• 95% mortgages requiring a 5% deposit
• Santander’s 98% My First Mortgage
• Skipton Track Record mortgage for renters
• Nationwide Helping Hand for higher income multiple borrowing
• Family-assisted mortgages where parents or relatives help
• Concessionary purchase mortgages where a landlord or family member sells at a discount
• Shared ownership mortgages for buyers purchasing part of a property

The cheapest or most suitable option will depend on the buyer’s income, deposit, credit score and the property they want to purchase.

Should first-time buyers wait and save a bigger deposit?

Some buyers may be better off waiting and saving a larger deposit, especially if they are close to reaching 5% or 10%.

A bigger deposit can mean:

• Lower mortgage rates
• Lower monthly repayments
• More lender choice
• Less risk of negative equity
• Better remortgage options in future

However, waiting is not always the best option. If rents are high, property prices are rising, or the buyer has found the right home, a low-deposit mortgage may be worth considering.

The decision should be based on affordability, job security, savings, future plans and the cost of renting compared with buying.

Speak to a Trinity Financial adviser today

Mortgage rates have jumped sharply—and fast—leaving buyers and homeowners scrambling to decide what to do next. Merryn Somerset Webb and John Stepek interview mortgage expert Anthony Emmerson, director at Trinity Financial, to unpack what’s really driving the market, whether now is still a good time to buy, and the surprisingly simple strategy that could save you thousands when remortgaging.

Click here to listen to the latest podcast: The Smartest Move You’re Not M… - Merryn Talks Money - Apple Podcasts

Call Trinity Financial on 0808 1642174 - 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.

Any links to third-party websites are provided for information and convenience purposes only. We are not responsible for the content or availability of external sites

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

Conor’s life insurance and income protection update. Protecting what matters most: Why reviewing your protection cover has never been more important.

Many people assume that the life insurance or critical illness cover provided by their employer will be enough to protect their family if the worst happens. Unfortunately, that is rarely the case.

At Trinity Financial, we are seeing more and more mortgage customers discover that their workplace protection policies contain severe restrictions, limited conditions, and payout caveats that could leave families financially exposed when they need support most.

According to recent data from Legal & General, their protection policies are paying out every single day across the UK:

• 97.5% of Life Insurance claims paid
• 92.9% of Critical Illness claims paid
• Over £527 million paid in Life Insurance claims
• Average Life Insurance payout of £37,788
• Youngest Critical Illness claimant aged 0
• Shortest Life Insurance policy before payout: 1 day

Source: L&G website

These statistics highlight just how important suitable protection can be for families with mortgages and financial commitments.

Why workplace cover often isn’t enough

Many employer-provided policies only cover a limited number of illnesses, often requiring extreme severity before a claim is accepted.

Conditions like:

• Early-stage cancer
• Minor strokes
• Less severe heart attacks

May not qualify for a payout under some workplace schemes. Some policies cover only about 20 conditions and include strict wording regarding severity, treatment type, or permanent disability before any payment is considered.

Conor Coleman, Trinity Financial's protection specialist, says: “I regularly speak to clients who believe they already have enough cover through work. Once we review the documents properly, we often find significant gaps in protection.

"Many workplace policies include strict severity definitions and exclusions, which can prevent claims from being paid when families need support most. Our role at Trinity Financial is to make sure clients have protection policies that genuinely work for them and their families — not just something that looks good on paper. We tailor policies around each customer’s mortgage, income, lifestyle, and future plans to ensure they are properly protected.”

Income Protection and Critical Illness Cover: The cover that more people are now prioritising

With rising household costs and economic uncertainty, Income Protection has become one of the most important forms of financial security for working families.

L&G’s latest claims statistics show:

• 85% of Income Protection claims paid
• Average payout of £779 per month
• Maximum payout of £8,000 per month

The leading causes of Income Protection claims include:

• Musculoskeletal conditions
• Cancer
• Anxiety and depression

Unlike Critical Illness Cover, Income Protection is designed to support clients who are unable to work due to illness or injury — helping cover mortgage payments and household bills during recovery. 

When it comes to critical illness cover, getting professional advice is extremely important. These policies are designed to provide a lump-sum payment if you are diagnosed with a serious medical condition, helping you cover medical costs, support your family, or replace lost income. However, not all critical illness policies are created equal, and the details can be complex.

For example, some policies do not cover low-grade or early-stage cancers. They may only pay out for more advanced or severe cases. Other conditions, definitions of illnesses, waiting periods, and exclusions can also vary significantly between providers. Without proper guidance, you might choose a policy that seems comprehensive but leaves you unprotected in certain situations.

A financial advisor or insurance specialist can:

• Clarify coverage details so you understand what is and isn’t included.
• Compare policies to find one that best matches your health risks and financial needs.
• Ensure definitions align with your expectations, particularly for illnesses like cancer that have varying severity levels.
• Prevent gaps in protection by highlighting exclusions, waiting periods, and other limitations.

In short, getting advice ensures that your critical illness cover truly protects you when you need it most, avoiding surprises like discovering your policy excludes certain conditions you thought were covered.

How Trinity Financial helps

At Trinity Financial, we help mortgage customers:

• Review existing workplace cover
• Identify gaps and exclusions
• Arrange suitable Life Insurance
• Protect mortgage repayments
• Secure family income with Income Protection
• Ensure cover matches their actual needs
• Every family situation is different, which is why tailored advice matters.

If you already have cover through work, it is still worth having it reviewed professionally to ensure it would genuinely support you and your family if you ever needed to claim.

Speak to a Trinity Financial protection adviser today

The mortgage and financial protection markets move fast — and the right advice can make a significant difference to the rate and policy you secure. Get in touch with our team to discuss your options.

Call Trinity's Conor Coleman on 020 7016 6156 or email him. 

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

Tracker Mortgage Rates Grow in Popularity as Borrowers Look for Lower Monthly Repayments

Tracker mortgage rates have become much more popular as borrowers search for cheaper mortgage deals and hope the Bank of England base rate will fall.

New analysis from Stonebridge mortgage network shows the proportion of borrowers choosing tracker mortgages increased to 12% in April, up from 4.1% a year earlier. This means tracker mortgage popularity has almost tripled in 12 months.

At the same time, fewer borrowers are choosing fixed-rate mortgages. Stonebridge says the proportion of fixed-rate deals fell to 87.6%, compared with 95.4% a year earlier.

For many homeowners, fixed-rate mortgages are still the safest option because they provide certainty. But the growing demand for Bank of England tracker rates shows some borrowers are willing to accept more risk if it means they could benefit from lower monthly mortgage payments if interest rates fall. There are currently predictions that the base rate will increase multiple times this year to control inflation caused by the war in Iran. 

Are variable and tracker mortgages the same thing?

A tracker mortgage is a variable-rate mortgage that often follows the Bank of England base rate. The lender adds a set percentage above the base rate, and the borrower’s mortgage rate moves up or down when the base rate changes. Some lenders offer discounted standard variable rate mortgages that do not track the Bank of England base rate. 

Which lenders offer the cheapest tracker mortgage rates?

Some of the cheapest tracker mortgage rates have recently been available from lenders, including Barclays and Halifax.

Barclays has offered a two-year tracker mortgage at 0.21% above the current 3.75% Bank of England base rate for borrowers with a 25% deposit, a £999 product fee and no early repayment charges.

Halifax has offered a two-year tracker mortgage at 0.21% above the current 3.75% Bank of England base rate for borrowers with a 40% deposit, a £1,499 arrangement fee and no early repayment charges.

The lowest tracker mortgage for each borrower depends on the loan size, deposit, property value, income, credit profile and whether the borrower wants flexibility to switch later.

Why are borrowers choosing tracker mortgages?

Many borrowers are choosing tracker mortgages because they believe mortgage rates could fall. They also want the lower rates and cheaper monthly repayments available now. If the Bank of England cuts the base rate, tracker mortgage payments usually reduce.

Tracker rates can also appeal because some deals have no early repayment charges. This gives borrowers the option to move to a fixed-rate mortgage if they become worried about future rate rises or if fixed-rate pricing improves.

Tracker mortgages may suit borrowers who:

• Want a lower rate than many fixed-rate deals
• Expect interest rates to fall
• Have enough income to cope if payments rise
• Want flexibility to switch mortgage deals
• Have a larger deposit or more equity in their home

Are tracker mortgages risky?

Tracker mortgages can be risky because monthly payments are not fixed. If the Bank of England base rate rises, the borrower’s mortgage payments will also rise.

This is why tracker mortgages are often better suited to borrowers with strong affordability, good savings and a higher tolerance for risk. Borrowers with tight monthly budgets, smaller deposits or a need for payment certainty may prefer a fixed-rate mortgage.

Fixed rate mortgage vs tracker mortgage

A fixed-rate mortgage keeps monthly payments the same for a set period, usually two, three or five years. This gives borrowers certainty and protection if interest rates rise.

A tracker mortgage can move up or down with the Bank of England base rate. This can help borrowers save money if rates fall, but payments can increase if rates rise.

There is no single best option. The right mortgage depends on the borrower’s financial position, risk appetite and future plans.

Aaron Strutt, product director at Trinity Financial, says:

“Some of the cheapest tracker rates are currently undercutting fixed-rate mortgages, and the lack of early repayment charges on certain products is a big attraction. It gives borrowers flexibility if they want to switch to a fixed rate later.

“But tracker mortgages are not suitable for everyone. Borrowers need to be comfortable with the possibility that payments could rise. Clients with stretched affordability, smaller deposits or limited savings may be better suited to the certainty of a fixed-rate mortgage.

“The best approach is to compare tracker rates, fixed rates, product fees, early repayment charges and lender criteria before deciding. One of our brokers can help you understand which lenders are offering the most suitable mortgage rates for your circumstances.”

Should I choose a tracker mortgage now?

A tracker mortgage may be worth considering if you believe interest rates will fall, you want flexibility, and you can afford higher payments if the base rate rises. More lenders are offering fixed rates priced around 4.5% for borrowers able to put down a 40% deposit; many rates are more expensive. 

However, a fixed-rate mortgage may be more suitable if you want certainty, need to budget carefully or do not want to take interest-rate risk. Trinity Financial’s mortgage brokers compare tracker mortgage rates, fixed-rate mortgages and remortgage options from a wide range of banks, building societies, specialist lenders and private banks.

Speak to Trinity Financial about tracker mortgage rates

If you are buying a property, remortgaging or deciding between a fixed-rate mortgage and a tracker mortgage, Trinity Financial can help.

Our mortgage advisers can compare the latest mortgage rates, explain whether a tracker mortgage is suitable and help you secure a competitive deal.

Call Trinity Financial on 0808 1642174 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