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

Halifax has announced that it is lowering many of its fixed-rate mortgages on Monday 24 August. 

The lender is lowering selected homemover and first-time buyer fixed rates by up to 0.11 percentage points, while its 40% deposit two-year remortgage fix with a £1,999 product fee will fall by 0.13 percentage points.

The cheapest mainstream fixed rates are currently around the mid-4% range. Santander has a leading two-year fixed rate at just below 4.5% and Nationwide's rate is only marginally higher, but most two-year fixes are priced above 4.5%. Five-year fixed rate mortgages start from around 4.50%, with many of the major lenders charging more than 4.6% even with a 40% deposit. 

For many borrowers, mortgage rates are therefore still more expensive than they had hoped they would be at this stage of 2026. The Bank of England base rate remains at 3.75%, while elevated longer-term borrowing costs continue to put pressure on fixed-rate pricing. 

Higher earners can access cheaper Lloyds Premier mortgage rates

Borrowers earning £100,000 or more may have access to more competitive deals through the Lloyds Premier mortgage range, available through Trinity Financial via Halifax for Intermediaries.

Current Lloyds Premier mortgage options include:

• Sub 4.40% two-year fixed rate

• Sub 4.45% three-year fixed rate

• Just over 4.45% five-year fixed rate

Eligibility criteria apply, including the requirement to have or open a qualifying Lloyds Premier current account. These deals demonstrate why higher earners should not necessarily rely on the standard best-buy tables when searching for a mortgage. Some lenders offer preferential pricing, enhanced affordability or specialist products for borrowers with larger incomes.

Barclays 3.99% tracker remains an attractive alternative to fixing

Tracker mortgages are also worth considering for borrowers prepared to accept a variable monthly payment.

Barclays continues to offer a particularly competitive 3.99% two-year tracker, making it considerably cheaper initially than many of the leading fixed-rate mortgages.

A tracker will normally rise or fall if the Bank of England base rate changes, so it will not suit everyone. However, borrowers who want greater flexibility or who believe fixed rates could become more competitive may want to compare trackers alongside two and five-year fixes.

Lenders compete on how much they will lend

Mortgage rates are only part of the story. Banks and building societies are increasingly competing by improving their lending criteria and affordability calculations.

HSBC has recently increased maximum mortgage loan sizes across a range of loan-to-value bands, giving borrowers looking for larger mortgages more options. Santander has also previously increased maximum loan sizes on parts of its range. 

Other lenders have raised their maximum income multiples, meaning some borrowers may be able to obtain significantly larger mortgages than they would have qualified for previously.

This increased competition is particularly useful for first-time buyers, higher earners, home movers and borrowers requiring larger mortgages, where the difference between one lender's affordability calculation and another's can run into tens or even hundreds of thousands of pounds.

Aaron Strutt, product director at Trinity Financial, says:  “Fixed mortgage rates are heading in the right direction again, but they are not falling quickly enough to generate much excitement among borrowers. 

“Many homebuyers were hoping we would have considerably cheaper mortgages by this stage of the year, particularly after the reductions we saw earlier in 2026. There are still some standout deals. Higher earners can access Lloyds Premier rates that undercut much of the mainstream market, while Barclays' 3.99% tracker remains particularly competitive.

“The interesting development is that lenders are increasingly competing on criteria as well as price. We are seeing higher income multiples, larger maximum loans and more generous affordability calculations, which can sometimes be just as important as securing the lowest headline mortgage rate.”

Compare the latest mortgage rates and borrowing limits

Trinity Financial's brokers compare mortgages from banks, building societies, specialist lenders and private banks.

If you are buying a property, remortgaging or want to know how much you can borrow, our brokers can compare the latest fixed and tracker rates alongside lenders' affordability calculations to establish which options are available.

Mortgage rates and lending criteria can change at short notice and are subject to individual circumstances, loan-to-value, property type and lender criteria.

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. 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

Which lender has the lowest tracker mortgage rate after Halifax increases best best deal

Halifax has increased its lowest tracker mortgage rate, which tracked the current 3.75% Bank of England base rate plus a margin of 0.21%, removing one of the cheapest variable-rate deals available to borrowers.

The change means Barclays currently offers one of the lowest-priced two-year tracker mortgages for eligible homebuyers, with an initial rate of 3.99%. Santander, HSBC, Halifax and Nationwide for Intermediaries also have tracker deals priced close to 4%, although product fees and eligibility rules vary considerably.

Tracker mortgages have become more popular among borrowers seeking an alternative to increasingly expensive fixed-rate deals. However, they are variable mortgages, so monthly repayments can rise as well as fall. The most competitively priced two-year fixes and the lowest five-year fixes start from around 4.6%.

Which lender has the cheapest tracker mortgage?

As of 8 August 2026, some of the lowest two-year tracker or variable mortgage rates for property purchases are:

Barclays therefore currently has the lowest headline tracker rate for eligible homebuyers. The 3.99% deal is available to borrowers with at least a 40% deposit or equity and tracks the Bank of England base rate for two years.

Representative example: A capital and interest mortgage of £400,000 payable over 30 years, initially on a variable rate basis at 3.99% for two years and then on the lender's 5.74% standard variable rate for the remaining 28 years. The 3.99% rate would require 24 monthly repayments of £1,912.12 followed by 336 payments of £2,314.85 The total amount repayable would be £823,911.48. This amount is illustrative and may vary, made up of the loan amount, plus interest (£417,154.85) and £999 (product fee), £80 (final repayment charge), £25 (completion fee). The overall cost for comparison is 5.6% APRC representative.

What are the lowest tracker rates for remortgaging?

The tracker deals available to remortgage borrowers can be slightly different from those offered to purchasers.

Barclays currently has a two-year tracker remortgage rate of approximately 4% for those with a 40% deposit. HSBC follows closely at 4.05%, while Halifax offers a tracker at around 4.05%. Nationwide’s comparable remortgage tracker is approximately 4.15%.

For borrowers considering a five-year tracker, Barclays currently has one of the lowest rates at approximately 4.35%. However, committing to a variable rate for five years creates a longer period of exposure to possible Bank of England base-rate increases.

Why have tracker mortgages become more attractive?

The Bank of England base rate is currently 3.75%. Most tracker mortgages are priced at the base rate plus a set margin, so a mortgage priced at base rate plus 0.24 percentage points would currently have a payable rate of 3.99%. Santander confirmed that its current mortgage range is based on a 3.75% base rate.

Unlike fixed mortgage rates, tracker pricing is not directly determined by swap rates. This can make trackers look more competitive when swap rates rise and lenders increase their fixed-rate mortgages.

Tracker mortgages may therefore appeal to borrowers who expect the base rate to fall or who want to avoid fixing at the current level.

Do tracker mortgages have early repayment charges?

Some tracker mortgages come without early repayment charges, making it easier for borrowers to move onto a fixed deal later. Others impose penalties during the initial tracker period.

This distinction can be particularly important for borrowers choosing a tracker as a temporary option while waiting for fixed rates to improve.

An early repayment charge-free tracker may also suit borrowers who:

• Receive large annual bonuses;

• Expect to sell their property;

• Plan to make substantial mortgage overpayments;

• Sre due to receive an inheritance or other lump sum; or

• Want the freedom to switch onto a fixed rate.

Tracker products can differ substantially, and some deals may contain minimum-rate collars or restrictions on overpayments.

Is the lowest tracker rate always the best deal?

The lowest interest rate does not necessarily produce the lowest overall cost.

A tracker with a £1,499 fee may be less suitable for someone with a relatively small mortgage than a slightly higher rate with no arrangement fee. Conversely, borrowers with larger mortgages may save considerably more through a lower interest rate, even after paying a higher product fee.

Borrowers should compare:

• The initial interest rate;

• Arrangement, valuation and legal fees;

• Cashback or free legal work;

• Early repayment charges;

• Permitted overpayments;

• The rate charged after the tracker period;

• Affordability rules; and

• The total cost over the expected period of ownership.

Lenders also have different approaches to employed income, bonuses, commission, self-employed applicants, contractors, foreign-currency earnings and large mortgage loans.

Should you choose a tracker or a fixed mortgage?

A tracker mortgage could be suitable for borrowers who are comfortable with fluctuating repayments and believe interest rates may fall. It may also work well for borrowers who value flexibility and can absorb an increase in their monthly payments.

A fixed mortgage may be more appropriate for borrowers who need certainty and would prefer their repayments to remain unchanged for an agreed period.

There is no guarantee that tracker rates will become cheaper. Inflation, economic data and wider geopolitical events could cause the Bank of England to delay rate cuts or increase the base rate.

Call Trinity Financial on 0808 1642174 to secure a larger mortgage loan, 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

How much can I borrow with HSBC? Mortgage lending limits increased

HSBC has increased a number of its maximum mortgage loan and loan-to-value limits, potentially making it easier for borrowers to secure larger mortgages on houses.

The changes could be particularly useful for homebuyers looking for £750,000, £1 million, £2 million or larger mortgages, as well as borrowers with smaller deposits who want to understand how much HSBC may be prepared to lend.

HSBC has also recently reduced selected residential mortgage rates, making the lender increasingly competitive for borrowers looking for both larger loans and higher income multiples.

How much can I borrow with an HSBC mortgage?

The amount HSBC will lend depends on a combination of your income, deposit or equity, existing financial commitments, mortgage term, credit profile and the property you are buying.

HSBC does not simply apply one income multiple to every applicant. Its affordability assessment considers income alongside committed expenditure, household costs and existing credit commitments. However, some borrowers can potentially access particularly generous income multiples.

Eligible HSBC Premier customers may be able to borrow up to 6.5 times their income at up to 90% LTV, subject to affordability and HSBC's lending criteria.

Qualifying first-time buyers may also be able to borrow up to 5.5 times their income where they meet HSBC's minimum income and LTV requirements. This means HSBC can be worth considering for higher earners, professionals, first-time buyers and borrowers looking to maximise their mortgage affordability.

HSBC mortgage borrowing examples

The table below gives an indication of the mortgage size different income multiples could potentially generate. These are illustrations rather than guaranteed borrowing figures.

For example, someone earning £100,000 could potentially borrow £450,000 at 4.5 times income, while an applicant qualifying for 6.5 times income could theoretically borrow up to £650,000. The actual mortgage offered may be lower because HSBC carries out a full affordability assessment.

HSBC's new maximum mortgage and loan-to-value limits for houses

*For remortgages, applicants need a 10% deposit. 

These limits are subject to valuation and HSBC's normal lending and affordability criteria. The changes currently apply to houses, rather than flats, where separate HSBC lending limits continue to apply.

Can HSBC lend £775,000 with a 10% deposit?

Potentially, yes. HSBC's revised lending limits mean it can consider a capital repayment mortgage of up to £775,000 at 90% LTV on an eligible house.

A £775,000 mortgage at 90% LTV would equate to a property valued at approximately £861,000, requiring equity or a deposit of around £86,000.

This could be particularly useful for buyers in London and other higher-value areas who have strong incomes but comparatively modest deposits.

Can HSBC lend £1 million or more?

Yes. For a capital repayment mortgage on a house:

• Loans between £775,000 and £3 million may potentially be available up to 85% LTV.

• Loans from £3 million to £5 million may potentially be available up to 75% LTV.

• Loans above £5 million may potentially be available up to 70% LTV.

HSBC's published residential criteria state that there is no overall maximum residential loan amount, provided the application meets its other lending requirements. This can make HSBC worth considering for borrowers looking for particularly large residential mortgages.

How much income would I need for a £1 million HSBC mortgage?

The income required depends heavily on which HSBC affordability rules and income multiple apply. As a simple illustration:

Again, these figures are illustrations. HSBC's affordability assessment also considers expenditure, debts, dependants, mortgage term and other financial commitments.

A Trinity Financial broker can run an HSBC affordability calculation to establish a much more accurate borrowing figure before you make an offer on a property.

How much can HSBC Premier customers borrow?

HSBC Premier can be particularly attractive for higher earners looking to maximise their mortgage borrowing. Under HSBC's current published criteria, eligible Premier account holders can potentially access a maximum income multiple of 6.5 times income at up to 90% LTV, subject to affordability.

This could make a significant difference to borrowing capacity. For example:

• £100,000 income × 6.5 = £650,000

• £150,000 income × 6.5 = £975,000

• £200,000 income × 6.5 = £1.3 million

• £250,000 income × 6.5 = £1.625 million

• £300,000 income × 6.5 = £1.95 million

Not every Premier borrower will qualify for the maximum amount, and HSBC will still assess affordability in detail.

How much can a first-time buyer borrow with HSBC?

HSBC can also offer enhanced borrowing to eligible first-time buyers. Qualifying first-time buyers with at least one applicant earning the required minimum income may be able to access borrowing of up to 5.5 times income at 90% LTV or below.

This could help buyers who have sufficient income to support their monthly mortgage payments but find that a standard four or 4.5 times income calculation does not provide enough borrowing to purchase the property they want.

Why have HSBC's higher mortgage limits improved?

Aaron Strutt, product director at Trinity Financial, says: "Increasing the maximum borrowing available at higher loan-to-values gives HSBC greater flexibility and makes it easier for buyers to secure sufficiently large mortgages. It also helps the bank lend more money."

"This is particularly relevant in London and the South East, where buyers can require mortgages well above £750,000 even when purchasing relatively mainstream family homes. For example, increasing the 90% LTV limit to £775,000 allows borrowers to potentially purchase houses valued at around £861,000 with a 10% deposit, subject to affordability.

"The higher 85% LTV limit of £3 million could also make HSBC more competitive for borrowers purchasing substantially more expensive properties without needing to provide a 20% or 25% deposit."

Want to know how much HSBC could lend you?

If you are buying a property, remortgaging or looking for a larger mortgage, contact Trinity Financial and ask one of our brokers to run an HSBC affordability calculation. We can compare HSBC's borrowing figure with other leading banks and specialist lenders to determine how much you may be able to borrow and which mortgage best suits your circumstances.

Our brokers can assess:

• How much you could potentially borrow with HSBC;

• Whether you may qualify for a higher HSBC income multiple;

• Whether HSBC Premier could increase your borrowing capacity;

• The deposit or equity required under HSBC's new LTV limits;

• Whether capital repayment, interest-only or part-and-part borrowing is suitable;

• And whether another lender could offer a larger mortgage or a more competitive rate.

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. 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

1. You’ve now been at Trinity Financial for six years. Has the time gone quickly, and do you still enjoy being a mortgage broker?

It has gone incredibly quickly. When I joined Trinity in 2020, I was still relatively early in my career and I’ve learnt a huge amount since then. I still really enjoy being a mortgage broker. It can be demanding, particularly when the market is busy, but I like solving problems and I still get a lot of satisfaction from helping someone get a mortgage agreed, particularly when the circumstances aren’t straightforward.

2. What is the best part of being a mortgage broker?

Probably the variety. You are dealing with different people, properties and circumstances every day, and there’s often an element of problem-solving involved. I also enjoy building long-term relationships with clients. You might initially help someone buy their first flat and then work with them again years later when they move home, remortgage or start investing in property.

3. You’ve earned a reputation at Trinity as the “review king” because of the number of five-star reviews you receive from clients. Why do you think so many of your clients take the time to leave such positive feedback?

I think communication is a big part of it. Getting a mortgage can be stressful and clients generally want to know what is going on, what happens next and that somebody is taking ownership of things.

I try to be accessible, explain things in plain English and give clients realistic expectations from the beginning. I’m also fortunate to have a very good team supporting me behind the scenes, which makes a big difference to the service we're able to provide.

4. Are any two mortgage applications ever really the same?

Not really. You certainly see similar scenarios, but once you start looking properly at income, credit commitments, deposit, property type, future plans and lender criteria, there are usually differences.

Even two clients earning exactly the same amount and buying properties at the same price could end up with completely different recommendations. That’s one of the reasons mortgage advice is more nuanced than simply finding the lowest rate.

5. What is the most interesting or complicated mortgage case you have worked on during your time at Trinity?

There have been quite a few, so it’s difficult to pick one. Some of the most interesting cases involve unusual properties or clients with complex income structures, where there isn't an obvious lender from the outset.

I enjoy cases where you have to properly understand the circumstances, speak to lenders and work out a structure rather than simply putting the numbers into a sourcing system. Getting one of those cases agreed when the client may previously have struggled elsewhere is particularly satisfying.

6. How has the mortgage market changed since you joined Trinity in 2020?

Massively. I joined during an unusual period with Covid and extremely low interest rates. We then went through the rapid increases in inflation and interest rates, which completely changed the conversation around mortgages.

When rates were exceptionally low, clients were understandably very focused on getting the cheapest possible deal. Cost is obviously still hugely important, but affordability, flexibility and planning ahead have become much bigger parts of the conversation.

Technology has also improved considerably. There is much more information available to clients and the application process with many lenders is quicker and more digital than it was six years ago.

7. What are the biggest differences between dealing with the major high-street banks and smaller building societies or specialist lenders?

High-street lenders tend to have very defined criteria and automated processes. If you fit within those parameters, they can be incredibly efficient and competitively priced.

Smaller building societies and specialist lenders can often take a more individual view. You may be able to speak directly to an underwriter and explain why a case makes sense rather than relying entirely on an automated decision.

That flexibility can be invaluable for clients with unusual income, complex circumstances or non-standard properties. The skill is knowing when a mainstream lender will work and when there is a good reason to look beyond the high street.

8. How often do clients come to you after their own bank has declined them or told them they cannot borrow enough?

Quite regularly. One bank declining an application doesn't necessarily mean somebody can't get a mortgage.

Every lender assesses affordability and risk differently. One lender might not accept a particular type of income at all, while another could use 100% of it. The same applies to self-employed income, bonuses, commission and lots of other circumstances.

Part of our job is understanding those differences and matching the client to a lender whose criteria suit their circumstances.

9. What is the biggest misconception people have about getting a mortgage?

Probably that the lender offering the lowest advertised interest rate is automatically the best lender for them.

The rate is important, but first you need a lender that will lend the amount required, accepts the client's circumstances and is comfortable with the property. You then need to consider fees, incentives, early repayment charges and flexibility alongside the interest rate.

The cheapest-looking mortgage isn't always the cheapest mortgage overall, and sometimes it isn't a mortgage the client would actually qualify for in the first place.

10. With borrowers increasingly using comparison sites, Google and AI to research mortgages, where does an experienced mortgage broker add the most value? Is there a reason why nearly nine in ten new mortgages go through brokers?

There has never been more information available to consumers, which I think is generally a good thing. Comparison sites, Google and AI can all be useful for researching the market and understanding the basics.

Where an experienced broker adds value is applying that information to an individual client's circumstances. A mortgage can look perfect online, but that doesn't tell you whether the lender will accept a particular source of income, property, credit history or future plans.

There is also a significant difference between finding a mortgage and getting it through underwriting to completion. An experienced broker knows how lenders interpret their criteria in practice, how to present more complicated applications and when something that looks fine on paper may cause a problem further down the line.

Technology makes information easier to access, but mortgages remain a large financial commitment with a lot of variables. I think that's why so many borrowers still value having somebody experienced to advise them and take responsibility for managing the process.

Call David Sanders on 020 3227 3114 to secure a mortgage, or email david@trinityfinancial.co.uk  

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

Nationwide lowers six-times-income mortgage threshold to £75,000 for joint applicants

Nationwide Building Society has made its six-times-income mortgage affordability rules available to significantly more borrowers by lowering the minimum eligible income required for joint applicants.

From Thursday 16 July 2026, new joint applicants may be able to borrow up to six times their combined eligible income when earning at least £75,000. The previous joint-income requirement was £100,000.

The change could help more couples or friends buying together to secure a sufficiently large mortgage when moving home or remortgaging and raising additional funds. Nationwide’s intermediary affordability criteria confirm that the £75,000 minimum now applies to both sole and joint applicants.

Who can qualify for Nationwide’s six-times-income mortgages?

New borrowers may potentially qualify for a mortgage of up to six times their eligible income when they are:

• Moving home; or

• Remortgaging and taking additional borrowing; and

• Earning an eligible income of at least £75,000, whether applying individually or jointly.

The enhanced affordability calculation is available to employed and self-employed applicants, although all applications remain subject to Nationwide’s affordability assessment, credit scoring, loan-to-value restrictions and wider lending criteria.

The change does not mean every borrower earning £75,000 will automatically receive a mortgage equal to six times their income. Nationwide will still examine the applicants’ financial commitments, credit agreements, dependants, regular expenditure and the proposed mortgage term.

For example, a couple with a combined eligible income of £75,000 could potentially qualify for borrowing of up to £450,000. Under a more conventional 4.5-times-income calculation, the maximum would be approximately £337,500.

This represents a potential increase in borrowing capacity of £112,500, although the amount offered will depend on the applicants’ individual circumstances.

What are the rules for existing Nationwide mortgage customers?

Nationwide is also offering enhanced affordability to existing mortgage borrowers who are:

• Moving home;

• Porting their current mortgage; or

• Applying for additional borrowing.

There is no minimum income requirement for qualifying existing Nationwide customers. Someone with an eligible income of £50,000, for example, could potentially borrow up to £300,000, subject to affordability and the lender’s usual criteria.

This may be particularly helpful for borrowers who originally took a Nationwide Helping Hand mortgage in 2021 and are approaching the end of their initial fixed-rate period.

Existing customers should not assume that staying with Nationwide will automatically provide the most suitable option. It can still be sensible to compare Nationwide’s porting or additional-borrowing terms with mortgages available from other banks and building societies.

Does Nationwide offer six-times-income mortgages to first-time buyers?

Nationwide’s Helping Hand mortgage continues to provide enhanced borrowing for eligible first-time buyers. The scheme can offer borrowing of up to six times income, potentially providing around 33% more than Nationwide’s standard income multiple.

Helping Hand has separate eligibility rules from Nationwide’s higher loan-to-income options for home movers and remortgage borrowers. Applicants normally need to take an eligible five or ten-year fixed-rate mortgage and provide a deposit of at least 5%.

Self-employed first-time buyers should take advice before applying because the Helping Hand scheme has different employment criteria from Nationwide’s enhanced affordability options for home movers and remortgage customers.

Why has Nationwide relaxed its affordability rules?

Competition for borrowers requiring higher income multiples has increased considerably. More banks and building societies are now prepared to consider lending at five, 5.5 or six times income for selected customers.

These arrangements can be particularly useful in areas where property prices have risen faster than earnings. They may also help borrowers with strong career prospects or dependable incomes whose borrowing requirements sit slightly above a lender’s standard affordability limit.

The timing of Nationwide’s criteria change is notable because the building society has simultaneously increased selected fixed and tracker mortgage rates by as much as 0.35 percentage points. Its repriced range includes products for first-time buyers, home movers, remortgage applicants and existing customers moving home.

Aaron Strutt, Product Director at Trinity Financial, says: “More banks and building societies are offering mortgages of up to six times salary as they compete to increase their lending volumes. Nationwide is clearly making this change to help more borrowers raise a sufficiently large mortgage to purchase the property they want.

“In many cases, homebuyers do not need to borrow the full 5.5 or six times their income. They may simply need a more generous income multiple to borrow slightly more than the amount available under standard affordability limits.

“The timing is particularly interesting because Nationwide has just increased many of its mortgage rates by up to 0.35 percentage points. When mortgage pricing becomes less competitive, lenders will often look at other ways to attract borrowers, including more flexible affordability or acceptance criteria.

“Nationwide is already one of the leading lenders in the income-stretch mortgage market, particularly through its Helping Hand scheme for first-time buyers. Lowering the joint-income threshold from £100,000 to £75,000 means its higher income multiple will now be available to a much wider group of home movers and remortgage applicants.

“Borrowing six times income will not be suitable or affordable for everyone. However, for borrowers with dependable incomes who need a modest affordability boost, the new rules could make the difference between securing the property they want and having to reduce their budget.”

How Trinity Financial’s mortgage brokers can help you get a mortgage

Mortgage lenders calculate affordability in different ways. Some may offer higher income multiples to borrowers working in particular professions, earning bonuses or commission, receiving investment income, or expecting future increases in earnings.

Trinity Financial’s brokers can compare Nationwide’s affordability calculation with those offered by other banks and building societies. They can also establish how lenders will assess employed and self-employed income, financial commitments, mortgage terms and deposit levels.

A six-times-income mortgage may provide additional borrowing capacity, but the interest rate, arrangement fee, monthly payment and overall cost should also be considered. The lender offering the largest mortgage is not necessarily the lender offering the most suitable deal.

Call Trinity Financial on 0808 1642174 to secure a larger mortgage loan, 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 is the latest big bank to announce fixed rate price reductions across its residential purchase and remortgage ranges.

Available from tomorrow (6/8/2026), selected residential rates will see reductions of up to 0.50%

For residential purchase, the lowest two-year fixed rate for those with a 40% deposit is now priced around 4.60% with an £899 arrangement fee. For those with a 25% deposit, the two-year fixed rates have reduced by 0.2%, now starting from just below 4.7%.

Five-year fixed rates have seen smaller rate reductions of up to 0.10%, with the lowest rate now at below 4.60%, available for those with a 40% deposit and it also has a £899 fee.

The largest reductions are to 10-year fixed rates by 0.50% but they are still priced over 5%. It also looks like Barclays is keeping its sub-4% two-year tracker rate. 

Jatin Patel, head of mortgages, savings and insurance at Barclays, said: “Recent market volatility means many homeowners have understandably been keeping a close eye on mortgage rates. We are pleased to announce a number of rate reductions live today across our mortgage range. 

“However, it’s important that homeowners know they don’t always need to hold off on decisions while they wait for rates to change. Many lenders, including Barclays, offer the option to secure a new mortgage up to 90 days before end of their current deal, with the flexibility to switch if a better rate comes along. In periods of uncertainty this can help provide peace of mind for consumers looking to plan their next move.”

Speak to a Trinity Financial adviser today to secure a mortgage

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 low deposit 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