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

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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

Bridging loans and development finance:

Trinity Specialist Finance, our sister company, has access to a wide range of bridging, commercial, and development finance funding options. The firm works with lenders offering competitive rates, as well as a number of exclusive deals, in all these areas.

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Mortgage News, Press & Case Studies
Mortgage News
Press Commentary
Case Studies

Barclays lower mortgage rates and launch 4.08% five-year fix

12th Jul 2024 • By Aaron Strutt

The mortgage market has been much more positive in recent weeks following a host of rate reductions and better economic news.  

Barclays for Intermediaries is the latest mortgage lender to lower rates by up to 0.33%. The bank has launched a 4.08% five-year fix and a sub 4.5% two-year fix, both with £899 arrangement fees. 

These mortgages are available to Barclays premier customers who are purchasing a property. Applicants will need a clear credit history, an income of at least £75,000 and a 40% deposit to qualify. The minimum loan size is £5,000, and the maximum is £2,000,000. Rates are only up to 0.03% higher for non-premier customers. 

Nationwide, Halifax, Santander and NatWest are just some of the other big banks and building societies to improve their mortgage pricing as we edge closer to a Bank of England base rate cut. HSBC has also increased its maximum loan sizes for borrowers with all deposit sizes.

Aaron Strutt, product director at Trinity Financial, says: "It seems like we are heading towards getting a sub-4% five-year fix again. The lenders have been doing more to get mortgage business over the last few weeks, especially as we go into the second half of the year and they have their lending targets to hit.

"There is not a huge difference between many of the lowest rates the lenders offer, although Barclays has gone one step further than the rest with its latest fixed rates. Other lenders may well match them over the coming days."

Representative example: A capital and interest mortgage of £400,000 payable over 30 years, initially on a fixed rate basis at 4.08% until 30/09/2029 and then on the lender's 8.74% standard variable rate for the remaining 25 years. The 4.08% rate would require 61 monthly repayments of £1,928.16 followed by 299 payments of £2,972.85. The total amount repayable would be £1,007,639.91 made up of the loan amount, plus interest £606,498.58) and £899 (product fee), £80 (final repayment charge), £35 (completion fee). The overall cost for comparison is 7.1% APRC representative.

How many borrowers are taking two or five-year fixes?

Figures from UK Finance show that during April, the number of borrowers opting for two- and five-year fixes was almost the same, with 44% taking a two-year fix and 45% opting for a five-year fix.

Jonathan Haskel, a member of the Bank's Monetary Policy Committee, was quoted as saying he "would rather hold rates" at 5.25% until there is more certainty that inflation pressures had "subsided sustainably". This is despite the Bank of England base rate being at a 16-year high and some 732,000 mortgage deals ending in the second half of this year.

Call Trinity Financial on 020 7267 9399 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 

HSBC raises maximum mortgage loan sizes for many borrowers

10th Jul 2024 • By Aaron Strutt

HSBC for Intermediaries has raised the maximum mortgage loan sizes many applicants can borrow.

The changes, which took effect on Wednesday, July 10, increase the amount of borrowing available on residential home purchases and remortgages. HSBC's changes are good news for first-time buyers with smaller deposits and those seeking larger mortgage loans.

HSBC customers with a 5% deposit can now borrow £570,000 rather than £500,000, and borrowers with a 25% deposit could borrow £3 million rather than £2 million.

Mortgage lenders use loan-to-value banding systems to calculate the rate borrowers pay and the maximum loan amount. Banks and building societies can also have different maximum loan size calculations, depending on the borrower type, such as first-time and next-time buyers.

New HSBC capital repayment mortgage lending limits:

· 5% deposit maximum mortgage loan size raised from £500,000 to £570,000.
· 10% deposit maximum mortgage loan size raised from £550,000 to £750,000.
· 15% deposit maximum mortgage loan size raised from £750,000 to £2m (increased to £1m for flats).
· 25% deposit maximum mortgage loan size raised from £2m to £3m (£3m for flats).
· 30% deposit maximum mortgage loan size raised from £2m to £3m (£3m for flats).

New HSBC interest-only mortgage lending limits:

· 50% deposit maximum mortgage loan size raised from £2m to £3m.
· 35% deposit maximum mortgage loan size raised from £2m to £3m.
· 25% deposit maximum mortgage loan size raised from £1m to £2m (increased to £2m for flats).

Does HSBC offer competitively priced mortgages?

Aaron Strutt, product director at Trinity Financial, says: “HSBC normally has some of the most competitively priced fixed and tracker mortgages, although the maximum loan sizes were not as large as some of its competitors. These changes will help them lend more money and attract more borrowers.

“Santander for Intermediaries recently increased the maximum mortgage loan size from £570,000 to £1 million for borrowers with a 10% deposit.”

Metro Bank for Intermediaries recently increased the maximum loan size applicants can borrow if they have a 10% deposit from £675,000 to £1.125 million for non new build properties. For borrowers with 15% deposits, Metro’s maximum loan size has increased significantly from £1m to £2m.

Call Trinity Financial on 020 7267 9399 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

Housing market set for post-election revival – RICS

10th Jul 2024 • By Aaron Strutt

A poll found that property surveyors expect a recovery in sales activity in the UK housing market following the general election and the predicted fall in mortgage rates.

The Royal Institution of Chartered Surveyors’ (RICS’) June UK residential survey showed that respondents returned a score of 20% for sales activity over the next three months.

RICS said this indicated confidence in the newly elected Labour government, which has pledged to build 1.5 million homes over the next five years.

This was up from a reading of 10% last month for near-term expectations and was the most positive sentiment for sales since January 2022.

Respondents returned a score of -7% for newly agreed sales during the month, which was less negative than the -13% reading in May. RICS said the two consecutive downbeat readings came after a short recovery earlier in the year, but this seemed to reverse.

Tarrant Parsons, senior economist at RICS, said: “Although activity across the housing market remained subdued last month, forward-looking aspects did improve slightly.

“There are some factors emerging now that could support a recovery in the months ahead. If the Bank of England does decide that the current inflation backdrop is benign enough to start loosening monetary policy next month, this may prompt a further softening in lending rates. In addition, the recent election delivered a clear outcome, with housing pushed up the political agenda.”

Mortgage lenders lowering rates

Mortgage lenders have been reducing their rates recently. Barclays has launched leading two and five-year fixed rates targeting homebuyers looking to borrow up to £2 million.

Call Trinity Financial on 020 7267 9399 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 

Nationwide offering leading two and five-year fixed mortgages for homebuyers borrowing between £300,000 and £5 million

9th Jul 2024 • By Aaron Strutt

Nationwide for Intermediaries has launched two of the most competitively priced mortgages following its latest rate reprice.

The UK’s largest building society has lowered many fixed rates by up to 0.3 percentage points for new and existing customers.

While many of Nationwide’s rates have improved, its most competitively priced five-year fix is now just below 4.2%, and its two-year fix is just below 4.6%. These rates undercut the deals offered by most of its rivals. 

Nationwide's lowest mortgage rates are available for those with larger deposits of 40% of the price of the property they are buying, usually called 60% loan-to-value. They are also available for borrowers purchasing a property and raising between £300,000 and £5 million. The mortgages have £1,499 fees.

Aaron Strutt of Trinity Financial told i newspaper: “More of the lenders are lowering mortgage rates and undercutting their competitors to offer cheaper deals. It is good news that lenders are lowering their rates again, particularly as there have been so many rate rises recently. 

“Some lenders have higher arrangement fees and lower rate products designed to make it easier to undercut rival providers. Before you choose a mortgage, it is worth checking if it makes sense to pay the higher fee, especially if you do not need a large loan."

Call Trinity Financial on 020 7267 9399 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 

NatWest rolls out Airbnb-friendly mortgage terms

9th Jul 2024 • By Aaron Strutt

NatWest has launched new Airbnb-friendly mortgage terms that allow borrowers to share a spare room or their entire home with guests.

New and existing NatWest customers will be able to benefit from the provider’s updated terms as long as they adhere to NatWest's conditions, such as staying up to 90 nights in a rolling 12-month period and only doing so with an approved platform, like Airbnb.  

The bank says this policy change will provide a welcome boost to mortgage holders struggling with higher interest rates and wishing to rent their property on a short-term basis through platforms like Airbnb to help make ends meet. 

The typical Host in the UK earns almost £5,500 a year on Airbnb - enough to cover 69% of the average annual mortgage payment. This can provide a significant boost to families and households who are struggling to make ends meet. 

Nearly half of homeowners (47%) would list their home on a short-term lettings platform to cover the increase in monthly payments, but 40% of borrowers say their mortgage provider won’t allow them to rent out their home or spare room on Airbnb. 

Aaron Strutt, product director at Trinity Financial, says: "Having the option to let out your property to generate some extra income is nice. More of the bigger banks have made it easier to let a property, but if you plan to let out a property, it is worth checking your lender's permission to let policy.

"NatWest has changed its policy to resemble Barclays and Metro Bank. If you are going to let your property go, it is advisable to make sure you tell your building's insurance provider so you are covered if something unfortunate happens.

Many lenders have harsh permission-to-let policies. They do not allow short-term lets and bump up the rate if you need to move out of your property. Before you go with a lender, it is worth checking the permission-to-let policy if you think you may be moving overseas or relocating in the future, especially if you take a five-year fix or longer-term deal. You may also need to pay tax on the rental income. 

The figures in the article provided by NatWest are based on the typical Host earnings amount, which represents the median earnings for UK Hosts in 2023. The mortgage calculation is based on average mortgage repayments, according to thinkplutus.co.uk. The picture is of St Katharine's Dock, London.

Call Trinity Financial on 020 7267 9399 to secure an Airbnb 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 

Boost for first-time buyers as the number of low-deposit mortgages hits two-year high

8th Jul 2024 • By Aaron Strutt

Figures from the latest Moneyfacts UK Trends Treasury Report reveal that mortgage rate availability has improved, particularly for first-time buyers with smaller deposits.

The number of rates for those with a 5% deposit rose to 361, the highest point in over two years, when there were 369 rates in May 2022. Overall, mortgage product choice rose month-on-month to 6,658 options, its highest level since February 2008, when there were 6,760 rates. 

In a positive move showing more stability in the mortgage market, the average shelf-life of a mortgage product rose to 30 days, up from 15 days a month prior. The lowest shelf-life average Moneyfacts recorded was 13 days in July 2023.

Average mortgage rates rose last month, but prices are falling again, with Nationwide for Intermediares announcing more rate reductions. Moneyfacts says the average two- and five-year fixed rates rose between June and July to 5.95% and 5.53%, respectively, with the average two-year fixed rate being 0.42% higher than the five-year equivalent. 

Moneyfacts also highlights the average two-year tracker variable mortgage remained at 5.94% while the average ‘revert to’ rate or Standard Variable Rate fell to 8.17%, just shy of the highest recorded (8.19%) during November and December 2023.

Rachel Springall, Finance Expert at Moneyfacts, said: “Overall product availability continued to rise, spreading a positive sentiment on mortgage choice for another consecutive month.

"There are over 400 different tracker mortgages on the market, and any that track the Bank of England base rate may suit those who believe that base rate will come down before the year is over.”

Call Trinity Financial on 020 7267 9399 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 

The Telegraph - Mortgages on track to fall below 4pc as lenders announce fresh cuts

12th Jul 2024 • By Aaron Strutt

Mortgage deals are on track to fall below 4pc in a boost to homeowners, with a string of banks announcing rate cuts. The UK’s biggest lender Halifax has reduced its rates by up to 0.13 percentage points and Barclays by up to 0.33 percentage points. The bank’s five-year fixed-rate mortgage is now the cheapest on the market at 4.08pc.

Aaron Strutt of brokerage Trinity Financial told The Telegraph: “There is more positive news in the mortgage market at the moment with lots of lenders lowering their rates.

“The cheapest five-year fix is priced at 4.08pc which is great especially given the scale of rate hikes we have seen in recent months. If you have secured a mortgage rate as part of a property purchase or remortgage, it is worth checking to see if you can switch to a better deal either with your existing lender or a rival provider.”

Click here to read the full story £

The i - Nationwide reveals new lowest mortgage rate for homebuyers as price cuts continue

9th Jul 2024 • By Aaron Strutt

Nationwide has launched a new mortgage at the lowest available rate on the market for many homebuyers, as part of the latest slew of cuts from banks and lenders.

From Tuesday morning, the building society is reducing fixed rates by up to 0.3 percentage points.

Aaron Strutt of Trinity Financial told i: “More of the lenders are lowering mortgage rates and undercutting their competitors to offer cheaper deals.

“Some of them have higher arrangement fee and lower rate products designed to make it easier to top the best buy tables. Before you choose a mortgage it is worth checking it makes sense to pay the higher fee especially if you do not need a large loan.” he added.

Click here to read the full story £

Financial Times - Credit card debt hits UK mortgage affordability

19th Jun 2024 • By Aaron Strutt

Credit card debt is cutting into people’s ability to get a mortgage, as high interest rates and living costs have put household finances under strain, brokers have warned. 

Outstanding balances on credit cards are rising at an annual rate of 9.9 per cent in the 12 months to March 2024, according to figures released on Tuesday by industry body UK Finance. About half of these (49.8 per cent) incurred interest. 

Aaron Strutt, product director at broker Trinity Financial, told Newspage and the Financial Times: “We are speaking to more people with chunky credit card balances. Some of them are trying to consolidate their debt, although they are struggling because of their high debt-to-income ratios.” 

Many were unaware of the consequences for their ability to borrow, he added. “They may struggle to get a mortgage, although lenders have different acceptance criteria.”

Click here to read the full story £

 

Evening Standard - New hope for home owners as two major mortgage lenders cut their rates

16th May 2024 • By Aaron Strutt

Two of Britain’s biggest mortgage lenders both cut the cost of their fixed rate deals today in a hopeful sign for borrowers and first time buyers.

HSBC said that from tomorrow it will be cutting rates across its full range of products although it did not say by how much. Meanwhile Barclays is also cutting rates on many of its deals.

Aaron Strutt of advisers Trinity Financial said: “It wouldn’t be unreasonable to expect fixed rates to come down over the next six months and be somewhere close to the levels they were in January. Five-year fixes need to be around 4% for people to feel like they are getting reasonable value for money.”

Click here to read the full story 

The Times - Here’s how I saved £55,000 and bought a home at 24

12th May 2024 • By Aaron Strutt

Trinity Financial's client Phoebe Walker was interviewed in The Times and used as an example of a growing number of people in their twenties who are bucking the trend when it comes to homeownership.

They are taking advantage of schemes offered by the government, lenders and developers, saving diligently while living with their parents for longer than past generations and choosing not to go to university.

Walker bought her first home, a £272,000 two-bedroom flat in Ware, Hertfordshire, last month aged 24.

Trinity's broker, Luisa Ciccarelli, arranged the mortgage using Nationwide's Helping Hand scheme.

Click here to read the full story £ 

The Sunday Times - When you should get an offset mortgage

5th May 2024 • By Aaron Strutt

Overpaying a home loan may be tempting, but if you still want access to your savings, why not use them to ease the pain of rising rates, says George Nixon. 

Anthony Emmerson from Trinity Financial told The Times: "People saw little benefit in getting 1.5 per cent return by offsetting their mortgage.

He added: "An offset mortgage typically comes with a higher rates though, so you need to have enough in savings to make them worthwhile. “They tend to be about 17 per cent more expensive than a standard loan, so if you don’t have that in savings in the offset account you are probably going to be worse off.”

Which lenders offer offset mortgages?

Barclays, Clydesdale, the private bank Coutts and Coventry, Family Building Society and Accord Mortgages offer offset mortgages. 

Click here to read the full story £

£2.5 million private bank mortgage for film producers moving home

4th Jul 2024 • By Aaron Strutt

What was the situation?

Our clients asked for help to secure a £2.5 million mortgage to purchase a £3.3 million home in South London. They had sold their property and wanted a large mortgage loan.

The professional couple were film and television producers. They had spoken to another bank that was keen to issue them a mortgage, but they were not happy with the rate and wanted to check the market to see if any other lenders offered cheaper deals. 

Were their finances complex?

They needed a mortgage lender to calculate their current and future contracted income rather than their latest tax return year ending 2023 for mortgage affordability.

They also required a lender to offer larger mortgages using foreign currency at competitively priced rates. They were keen to ensure that most of their mortgage was on interest-only to reduce their monthly costs.

High street lenders vs private banks 

After assessing our client's options and reviewing the high-street mortgage lenders, Trinity’s broker approached a private bank offering larger mortgages to higher earners. The lender was happy to use their income from contracts and the US Dollar income.

Was the mortgage offered on interest-only or capital repayment?

The private bank issued £1.5 million of the mortgage on interest-only and the remaining £1 million on capital repayment. Up to 10% of the outstanding capital balance could be overpaid each year without charge. 

Was the rate particularly good?

Yes, compared with his current offer. As mortgage rates fell, Trinity’s broker also reduced the rate post-offer and pre-exchange of contracts.

They took a two-year fixed rate priced around 5.25%. The arrangement fee was £12,000.

Lending solutions with Trinity Financial

Are you looking to remortgage and need 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 020 7267 9399 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

£1.6 million part fixed and part tracker mortgage for Marylebone property purchase

23rd Apr 2024 • By Aaron Strutt

What was the situation?

Our clients asked for help to secure a mortgage after their offer to buy a £3 million property in Marylebone was accepted.

The next time buyers had found a stunning home to purchase and required a £1.6 million mortgage to top up their large deposit.

They had not sold their existing main residence and wanted us to find a lender happy for them to have two residential properties. They required the new mortgage to be structured so they could make lump sum overpayments to repay part of the debt when their property was sold.

They wanted a flexible mortgage through one of the larger lenders with competitively priced rates.

How did we help?

Once our broker spoke to his clients to fully understand their financial situation, he went to the market to assess their options. 

As they had a property in the background that would be sold, he approached lenders, allowing borrowers to take part fixed and part tracker mortgages at the same time. He specifically targeted lenders offering tracker rates without early repayment charges. 

Working as high-level managers, the couple had a large combined salary, which meant they comfortably met the affordability requirements for two mortgages.

After one big bank offering rates was unwilling to issue a split fixed and tracker deal, he approached another lender offering some of the lowest rates. They were keen to lend the money.  

How was the mortgage structured?

The mortgage was set up with half of the funds on a two-year fix and the remaining balance on a Bank of England base rate tracker without early repayment charges. If required, they could also pay up to 10% off the fixed rate element of the mortgage.

This mortgage provided them with the option to pay off the tracker part of the debt in a lump sum, so when they sell their previous home, they can reduce their outstanding balance without paying an early repayment charge.

By taking a two-year fix, our clients could reassess the market in two years when fixed rates may be cheaper.

Lending solutions with Trinity Financial

Are you looking to remortgage and need 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 020 7267 9399 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

£550,000 mortgage for couple buying 17-acre farm and splitting title to let outbuildings

20th Mar 2024 • By Aaron Strutt

What was the situation?

Our clients contacted Trinity Financial to speak to a specialist broker about buying a farmhouse with 17 acres, stables and outbuildings. They wanted to let some of the outbuildings and split the property title upon completion to generate extra income.

They required a £550,000 mortgage to purchase the £850,000 property and had separate cash to buy one of the outbuildings through a limited company. They wanted to find a flexible lender that would provide a residential mortgage and allow them to separate the title upon completion.

What was the issue?

Many lenders cap the number of acres a property can have, but they are also not keen on large outbuildings or when the title will be split.

The highest-income earner on the application worked as a professional in the finance sector and received income from multiple companies. However, he did not draw dividends, meaning he retained profits. 

What was the process?

After sending over a link to the property they were buying and fully understanding their financial situation, we approached several lenders to find the one offering the most competitive rates and terms.  

What was the solution?

After our client submitted all the necessary forms and the application was sent to the most suitable bank, a mortgage offer for £550,000 was issued within two weeks on full capital repayment over a 25-year term. 

The lender was keen to attract self-employed borrowers and allowed 10% overpayments each year without charge. 

Lending solutions with Trinity Financial

Are you looking to buy a property with land 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.

We work closely with our trusted network of private banks and high street and specialist lenders to arrange bespoke mortgages to suit your circumstances. 

Call Trinity Financial on 020 7267 9399 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  

£800,000 mortgage for higher earner buying family home using 100% of bonus income

15th Mar 2024 • By Aaron Strutt

What was the situation?

Our clients contacted Trinity Financial to ask for help to secure a bonus income mortgage. They needed to raise £800,000 to buy a £1.3 million detached family property.

While the primary income earner received a considerable salary, 50% was paid in bonuses.

What was the issue?

Many lenders cap bonus income for mortgage affordability calculations, and our clients needed a lender to offer a generous income multiple using most of the bonus income.

They had already lost a property and agreed to buy another one in the same area. This meant they wanted a fast mortgage to get the purchase agreed promptly.

What was the process?

After sending over their payslips so we could see their PAYE income, our broker went to the market to find the most generous lenders. She found a bank offering the most competitively priced two-year fixes willing to accept all the income to make the loan affordable. 

What was the solution and mortgage rate?

After our client sent us all the needed forms and the application was sent to a large bank, the mortgage offer for £800,000 was issued within two weeks. This was on full capital repayment over a 25-year term.

They could also make 10% overpayments each year without charge.

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 020 7267 9399 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  

£700,000 remortgage to repay the Bank of Mum and Dad

15th Mar 2024 • By Aaron Strutt

What was the situation?

Our clients asked for help to secure a £700,000 remortgage on a home their parents helped them buy.

The professional couple worked for large firms in London and had been living with their parents while another family member was staying in their property.

What was the issue?

While they both had good jobs and higher incomes, one applicant was on a tier 2 visa. They had been living in the UK for two years, and they needed a lender with higher income multiples to raise enough money.

What was the process?

After assessing our client's payslips and overall finances, our broker searched the market for the most generous lenders.

Trinity Financial's broker found a bank offering competitively priced rates for professionals, and they were happy with the tier 2 visa status.

What was the solution?

After our client submitted all the necessary forms and the application was sent to a large bank, a mortgage offer for £700,000 was issued within two weeks on full capital repayment over a 25-year term.

They could also make 10% overpayments each year without charge, enabling them to make lump sum overpayments.

Lending solutions with Trinity Financial

Are you looking to buy a remortgage 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 020 7267 9399 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

£770,000 mortgage offered in two days for couple buying townhouse

15th Feb 2024 • By Aaron Strutt

What was the situation?

Our clients asked for help to secure a fast £770,000 mortgage to purchase a townhouse in Surrey. They had a buyer for their current property and a £130,000 deposit.

What was the issue?

They were looking for a lender to offer a five times joint income mortgage and use their bonus income for affordability purposes. They also wanted a competitively priced rate and a longer term to minimise their monthly repayments.

What was the process?

After sending over their payslips so we could see their PAYE income, our broker searched the market for the most generous lenders.

At the time of the mortgage application, lenders were constantly changing their rates, although we found one large high-street bank that would offer terms and a competitively priced five-year fix. Just before the mortgage was due to complete, the rate was switched to a two-year fix because our clients felt it offered better value for money.

What was the solution and mortgage rate?

After our client submitted all the needed forms and the application was sent to a large bank, a mortgage offer for £770,000 was issued within two days on full capital repayment over a 39-year term.

They could also make 10% overpayments each year without charge, enabling them to make lump sum overpayments.

Lending solutions with Trinity Financial

Are you looking to buy a property with land 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.

We work closely with our trusted network of private banks and high street and specialist lenders to arrange bespoke mortgages to suit your circumstances.

Call Trinity Financial on 020 7267 9399 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

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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 
  • 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
  • Manchester Building Society
  • Mansfield Building Society
  • Market Harborough Building Society
  • Marsden Building Society
  • 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 Hambros
  • Santander

Equity release lenders

  • Aviva
  • Canada Life
  • Hodge
  • Just 
  • Legal and General
  • LVE
  • more2life
  • OneFamily
  • Pure Retirement

Specialist partners 

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

We do not currently have access to:

  • Chelsea Building Society
  • First Direct
  • M&S Bank
  • 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 questionnaireOur 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.

Talk to one of our Expert Mortgage Advisers

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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: 020 7267 9399 | Email: WinkworthEnquiries@trinityfinancialgroup.co.uk

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