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Expert Knowledge & Professional Service

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

Residential Mortgages

Residential Mortgages

Trinity has a wealth of experience in arranging finance for both property purchases and re-mortgages.

We have access to over 40 of the leading mortgage lenders and, also, the mortgages being offered by smaller building societies and the best private banks.

Buy-to-let Mortgages

Buy-to-let property investments can offer regular rental income or even act as an alternative to a pension annuity. Trinity has access to lenders providing impressive rates and generous rental calculations enabling them to offer more generous loan sizes. 

We also offer:

  • First-time buyer mortgages
  • Mortgages over £500,000
  • Interest-only mortgages
  • Mortgages for Professionals
  • Second home and holiday let mortgages
  • Buy-to-let portfolio reviews
  • Investment banker mortgages
  • Private bank mortgages

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Barclays providing 5.5 times salary mortgage offer to borrowers earning over £75,000

Barclays is offering up to 5.5 times salary mortgages to new and existing Premier and Barclays Wealth customers. 

The bank raised the maximum income multiple for applications from 5 times salary to 5.5 times salary for all residential capital repayment mortgages.

If you do not have a Premier account, Trinity Financial can arrange for a personal banker to contact you and open an account prior to the application being submitted. One applicant will need an annual income of £75,000 to qualify. If one applicant does not earn £75,000 - you will need a joint income of £100,000 to qualify or have £100,000 saved or invested with the bank. 

Interest-only applications will not be considered, although Barclays will potentially offer a 35-year repayment term to a maximum age of 70. This should lower the monthly costs.

Our advisers have access to a specific broker-only team regularly providing impressively fast mortgage offers.

Aaron Strutt, product manager at Trinity Financial, says: “Barclays 5.5 times salary mortgage offer has been popular with our clients, particularly as most high-street banks and building societies will lend between four and five times salary. They do not typically offer mortgages over five times income. 

“Trinity has access to another leading lender offering up to 5.5 times salary mortgages providing clients earn over £100,000 - either individually or as part of a joint application. The bank has competitively priced rates and you do not need to open a premier account to qualify. The maximum loan is £1,000,000.”

One more bank recently started providing 5.5 times salary mortgages to Accountants, Architects, Barristers, Chartered Surveyors, Dentists, Medical Doctors, Pharmacists, Pilots, Solicitors and Vets. Applicants must have been qualified in the last five years and earn £40,000 or more.

To secure a 5.5 times salary mortgage call Trinity Financial on 020 7016 0790 or send an enquiry.

Mortgage lenders providing free property valuations on a purchase

A host of banks and building societies are offering borrowers free property valuations when they purchase a property.

Free valuations for homebuyers used to be rare, but they are increasing in popularity. They can help buyers save money, particularly in today's market where the number of down valuation seems to be increasing.

Many borrowers specifically require a property to meet a certain price to secure a large enough loan, and if there is a down valuation they may well lose their up-front valuation fee.

Aaron Strutt, product director at Trinity Financial, says: “Some of the biggest lenders provide free property valuations to ensure borrowers can secure mortgage offers with minimal upfront costs.”

Barclays offers a free valuation on residential purchase applications when the property is valued up to £2 million and on all remortgage applications. Customers will not pay for or receive a copy of any non-disclosed valuation report.

Santander provides a free standard valuation for mortgage purposes up to a property value of £2.5 million. If you would like a detailed survey of the property, you will need to arrange this independently and pay for any associated costs.

Nationwide Building Society does not charge for the property valuation and one on its valuers will visit the property to check it is suitability for mortgage purposes. The society says the report may not reveal serious defects or structural issues and the report is valid for 90 days.

Trinity Financial has access to Tesco Bank and Coventry Building Society's mortgages, they both provide a free valuation on purchases and remortgages.

Call Trinity Financial on 020 7016 0790 to secure a free property valuation mortgage

How long are the lenders taking to produce mortgage offers?

Many of the banks and building societies provide updates confirming their average processing times to produce mortgage offers.

The biggest lenders regularly produce fast mortgage offers using their online systems that collect data on your personal finances and credit score.

To secure the fastest possible mortgage offer all of the documentation requested by the lender should be submitted together with the application.

Trinity has access to a wide range of lenders but not all of them publish their processing times. The figures stated in the table are average times and processing times change on a case by case basis.

Lender mortgage process time snapshot:

Lender Average mortgage offer time
Accord Mortgages (Part of Yorkshire BS) Residential average time to offer: 13 working days
Bank of Ireland for Intermediaries Residential average time to offer: 11 working days
Coventry for Intermediaries Residential average time to offer: 12 working days
Santander for Intermediaries  Residential average time to offer: 15 days and 15.8 for buy-to-let mortgages
Skipton for Intermediaries  Residential average time to offer: 13.64 days
Nationwide for Intermediaries Residential average time to offer: 10 working days
Principality for Intermediaries  During July 2018 the average offer times was 13 days
Virgin Money for Intermediaries  Residential average time to offer: 14 working days*
Tesco Bank for Intermediaries Residential average time to offer: 10 working days

*Virgin says it is committed to getting mortgage offers produced as quickly as possible. If the bank does not produce a fully packaged mortgage offer within 10 working days it will provide customers with £100. Terms and conditions apply.

Call Trinity Financial on 020 7016 0790 to secure a fast mortgage offer

Hinckley & Rugby Building Society launch mortgages targeting doctors and dentists

Hinckley & Rugby Building Society has launched a range of mortgages for doctors and dentists.

The lender will offer enhanced criteria, including higher income multiples and larger mortgage loans based on the applicant’s experience within the medical profession.

The idea is to help more medical professionals with complex incomes and even newly qualified professionals who have recently secured their first contract.

Hinckley & Rugby aims to tempt employed and self-employed doctors and dentists with income stretch mortgages.

Medical professionals can borrow up to 5.5 times salary if they have a 20 per cent deposit and between one to three years’ experience. With between three and five years’ experience, the multiple reduces to 5.25 times salary. Over five years it decreases to 4.75 times salary.

However, if applicants have a deposit of between 10 and 20 per cent and one to three years’ experience, the maximum income multiple reduces to 4.80 times salary. With five years’ experience, the multiple is capped at 4.2 times.

Hinckley & Rugby offers competitively priced two and five-year fixed rates and provides a free property valuation on all purchases.

Aaron Strutt, product director at Trinity Financial, says: “More lenders are offering generous income multiples, but they do not typically base the maximum loan size on the applicant's experience or target doctors and dentists.

"The society can use locum and supplementary income, as well as income from applicants who have recently returned from working overseas.

“Hinckley provides interest-only mortgages with no minimum income requirement, and 40-year mortgage terms are available. The society is one of the few lenders providing no early repayment charge options on its two-year fixed rate mortgages.”

Hinckley & Rugby’s mortgage referral committee meets at 3 pm daily to discuss applications which do not fit its standard lending policy. This committee can approve lending requested from clients in good financial positions, unlike many of the larger lenders.

Call Trinity Financial to secure a doctor or dentist mortgage

More lenders offering 7-year fixed rate mortgages

More of the banks and building societies have started providing seven-year fixed rate mortgages over the last month.

Barclays has launched a competitively priced rate and it is fixed at 2.07% until 30 April 2026. At the end of this period, it reverts to the lender's variable rate currently of 4.24%. The overall cost for comparison is 3.18% APRC representative.

The mortgage has a £999 arrangement fee, and applicants will need a 40% deposit to qualify. Early repayment charges apply for the fixed period, and the maximum loan is £1,000,000.

Aaron Strutt, product director at Trinity Financial, says: "Most borrowers lock into two or five-year fixes, but there are some excellent longer-term alternatives. If you have a 50% deposit Coventry for Intermediaries has the lowest seven-year rate and Virgin Money for Intermediaries has a selection of deals."

Representative example: A capital and interest mortgage of £250,000 payable over 25 years, initially on a 2.07% fixed rate until 30/04/2026 and then on a variable rate of 4.24% for the remaining 23 years, would require 86 monthly repayments of £1,068.18 followed by 214 monthly repayments of £1,273.63.The total amount repayable would be £365,660.30 made up of the loan amount, plus interest (£114,420.30) and £999 (product fee), £80 (final repayment charge), £35 (completion fee). The overall cost for comparison is 3.18% APRC representative.

The actual rate available will depend on your circumstances. Please ask for a personalised mortgage illustration.

Call Trinity Financial on 020 7016 0790 to secure a seven-year fixed rate mortgage 

Mortgage lenders with impressive rates accepting bonus income payments

Trinity Financial has access to a range of mortgage lenders with great rates taking bonuses into account for affordability purposes.

Most banks and building societies will use 50% of bonuses, but some can accept up to 100% of the payments if borrowers have a track record of receiving them. 

Aaron Strutt, product manager at Trinity Financial, says: “As we approach bonus season we are speaking to more clients who want to know how much they can borrow.

“Some of them are planning to remortgage and release equity from their property to do extensions, while others want to move up the ladder and buy bigger homes.”

Generous lenders and great rates

HSBC for Intermediaries regularly tops the mortgage best buy tables and has some great fixed rates. The bank will use 50% of the average bonus over the last two years for affordability purposes.

Trinity Financial has access to one large bank’s specialist underwriting team, and it can consider using up to 100% of bonus income assessing the average of the last two years payments. The lender recently produced a mortgage offer in a week for our client who was purchasing a large property in Chelsea. 

Call Trinity on 020 7016 0790 or complete our enquiry form to secure a bonus income mortgage

HSBC offering 1.49% tracker rate for mortgages up to £5 million

HSBC for Intermediaries is offering a highly competitive tracker rate for mortgages up to £5 million.

The bank's 1.49% mortgage tracks the Bank of England base rate plus 0.75% until 31 March 2021. At the end of this period, it reverts to the lender's variable rate currently of 4.19%. The overall cost for comparison is 3.78% APRC representative.

The mortgage has a £999 arrangement fee, and applicants will need a 40% deposit to qualify. It is available for property purchases and remortgages.

There are no early repayment charges so borrowers are free to switch to a fixed rate at any time or make lump sum overpayments. HSBC even provides a free propety valuation with most applications.

Aaron Strutt, product director at Trinity Financial, says: "The vast majority of borrowers lock into two and five-year fixed rates but some trackers provide real flexibly and they undercut many other deals. 

"Our brokers have access to HSBC's specialist teams to deal with brokers and process large loan applications."

Representative example: A capital and interest mortgage of £2,500,000 payable over 25 years, initially on a 1.49% tracker rate until 30/03/2021 and then on a variable rate of 4.19% for the remaining 23 years, would require 24 monthly repayments of £9,986,?.67 followed by 276 monthly repayments of £13,180.71. The total amount repayable would be £3,878,585.04 made up of the loan amount, plus interest (£1,377,556.04) and £999 (product fee), £0 (final repayment charge), £35 (completion fee). The overall cost for comparison is 3.78% APRC representative.
 
The actual rate available will depend on your circumstances. Please ask for a personalised mortgage illustration.

Call Trinity Financial on 020 7016 0790 to secure a large mortgage loan

Santander offering first-time buyers £1,000 cashback

Santander for Intermediaries has launched a range of first-time buyer rates with £1,000 cashback.

The new three-year fixed rates are available to borrowers providing they have a 5% deposit, and they do not have an arrangement fee. The maximum loan size is £570,000 and there is a free property valuation.

Mortgage lenders are targeting first-time buyers with incentives and there is a long list of lenders offering cash back to tempt customers. Earlier this month, Skipton for Intermediaries launched a range of 1% cash back rates for mortgages up to £1 million. 

Aaron Strutt, product director at Trinity Financial, says: "Lenders are increasingly turning to first-time buyers while they are active in the market, but also because they typically have smaller deposits and can charge higher rates.

"Barclays has announced a series of rate improvements to its 95% loan-to-value mortgages. While Accord launched a remortgage product to help borrowers refinance for home improvements. Many banks and building societies already provide a free valuation for property purchases."

Call Trinity Financial on 020 7016 0790 to secure a mortgage