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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

Coutts, Metro Bank and Santander ease £1 million+ mortgage deposit requirements

16th Apr 2024 • By Aaron Strutt

Banks and building societies are working harder to attract wealthier borrowers looking for £1 million+ mortgages.

Over the last few weeks, three players in the large mortgage loan space have made changes to attract more high-net-worth borrowers. 

Here is a summary of the changes:

10% deposit for £1.125 million mortgages with Metro Bank

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

Many lenders limit the mortgage loan size for borrowers raising over £1m with smaller deposits, although Metro Bank has changed its rules to target this market. 

Santander's £1m+ mortgage changes

Santander has made some big improvements to its large mortgage loan proposition.  

  • The maximum loan size on residential fixed products was increased from £1.5m to £3m for borrowers, providing they have a 25% deposit. 
  • Santander increased the maximum loan size from £1m to £2m on residential fixed products providing borrowers have a 15% deposit.
  • The bank has launched new 40% deposit two and five-year fixed rates with a £1,999 arrangement fee for mortgages between £3m and £5m.

Coutts Private Bank: New 25% deposit mortgage for Super Prime Properties 

Coutts has lowered the size of the deposit borrowers need to secure mortgages to buy in London's Prime postcodes.

The private bank, owned by NatWest, now requires borrowers to have a 25% deposit, rather than a 35% deposit, to buy in certain London Prime postcodes.

The mortgages are only for properties over £10m, excluding new builds and properties valued over £30m.  

Aaron Strutt, product director at Trinity Financial, says: "If you are seeking a large loan, it is well worth checking NatWest's mortgages, as they generally are not capped when borrowers have larger deposits.

"The price difference between lenders offering large and bespoke mortgages can be pretty substantial. It makes sense to ensure you are getting the most competitively priced rates.

"Prime mortgages can be complex, so you may want to discuss them with us. We’re happy to answer your questions."

Call Trinity Financial on 020 7267 9399 to secure a larger 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

Will mortgage lenders allow remortgaging or additional borrowing for expensive home improvements?

11th Apr 2024 • By Aaron Strutt

Home improvements can be expensive, particularly when structural work is planned. Rather than using money from savings or borrowing funds from family, many homeowners remortgage or take additional borrowing with their lender to pay for the work.

Over the years, Trinity Financial's brokers have helped borrowers refinance to raise the funds needed to make significant changes to properties, such as extensions and basement digs. We have also helped our clients secure funding to build home gyms and swimming pools and landscape their gardens. 

Banks and building societies are usually pretty happy to fund home improvements as they improve the property, potentially raising its value and decreasing their credit risk. However, some lenders will cap the amount they will lend existing borrowers regarding the loan-to-value and mortgage amount. This means borrowers remortgage to other lenders and assess their finances again. Either way, any additional capital raising will be subject to strict mortgage affordability calculations, which assess applicants' overall financial situation.

Many homeowners take additional borrowing with their lender or remortgage to raise funds for:

  • Purchase of Land
  • Loft conversions
  • Extensions
  • New kitchen or bathroom
  • Conservatory
  • New garage for classic cars
  • Landscaping
  • Swimming pool or home gyms
  • Double glazing
  • New roof

Aaron Strutt, product director at Trinity Financial, says: "If you are thinking about remortgaging to raise funding for home improvements, first check if you have early repayment changes on your existing mortgage and if your lender provides additional borrowing.

"Sometimes, the lenders offer additional borrowing rates that are much more expensive than your current deal. For many homeowners, waiting for the mortgage rate to finish and then applying for a remortgage makes sense. This means they do not have two separate rates."

What to consider before remortgaging to fund home improvements

Even though the price of materials and labour has increased in recent years, many people find making home improvements more cost-effective than buying a new property. However, seeing what properties are available in your local area makes sense just to ensure spending money on refurbishing makes sense. 

Many people remortgage to generate the finances needed for significant changes, such as an extension, basement dig, open-plan living extension, home gym, or swimming pool. Stamp duty is a significant barrier for many people who want to move.

The pros and cons of remortgaging for home improvements

There are upsides and downsides of remortgaging that you need to consider.

Pros:

  • When you remortgage to another lender, you can typically fix your monthly repayments for two, three, five or ten years. However, the fixed-rate options may be restricted if you stick with your current lender and apply for additional borrowing.
  • Early repayment charge-free products are available if you are considering selling your home although not through all banks and building societies. 
  • There is plenty of choice or rates through banks and building societies.

Cons:

  • By spreading the cost of home improvements over your mortgage term, you could pay back significantly more interest than with other finance options.
  • Current mortgage affordability rules will apply. This means if the lender's calculations have changed or your income and expenses are higher, the additional borrowing or remortgage may not be affordable.
  • You may be charged a mortgage-arrangement fee, valuation and legal fees.
  • The application process can be longer if you need to get a schedule of work.
  • If you want to remortgage before your current deal expires, you could be charged an expensive early repayment charge.

Lenders may ask for the schedule of works as evidence 

If you apply to borrow a relatively small amount to pay for a kitchen or bathroom, the lenders may not ask for evidence of costs. However, if you are planning to borrow a lot of money to make structural improvements, lenders may want to see builders' quotes detailing the costs and changes to the property. 

Some lenders reserve the right to request further details, including estimates and plans, and even hold back funds until the improvement work is completed if the amount being raised appears excessive or if the property may be vacated while the works are being completed. 

Call Trinity Financial on 020 7267 9399 to secure a remortgage, 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

Which lenders offer mortgages without early repayment charges?

10th Apr 2024 • By Aaron Strutt

A range of banks and building societies offer flexible mortgages to borrowers without early repayment charges.

Most lenders offering mortgages without early repayment charges issue them as either Bank of England tracker rates or discounted variable deals. The vast majority of borrowers opt for two-, three- and five-year fixes, but these rates nearly always have fees to repay the mortgage early. 

Mortgages without exit fees tend to be popular with people unsure about their immediate plans. They may not want to lock into a product that will be expensive to get out of for a range of reasons. Maybe they are not getting on with their partner, or they want to move up the property ladder, carry out major renovation work, sell their home, or make lump sum overpayments.

Which lenders offer mortgages with no early repayment charges?

HSBC for Intermediaries, Barclays, TSB, Skipton Building Society and Nationwide for Intermediaries are some of the biggest lenders offering mortgages without early repayment charges.

Is it worth paying a standard variable rate for the flexibility?

Once a fixed or tracker mortgage rate ends, it usually reverts to the lender's standard variable rate. These reversion rates do not typically have charges for repaying the mortgage, but the rates are generally high. For example, Halifax’s current standard variable rate is 8.74%, and Nationwide Building Society’s is 7.99%.

If you are unsure whether you should be taking a fixed deal and plan to take your lender's standard variable rate, then it is worth noting there are competitively priced flexible mortgages available. It may make sense to remortgage away from your existing lender if it does not offer variable rates or low early repayment fee options.

What is the benefit of taking a mortgage with no early repayment charges?

Mortgages without tie-ins give borrowers flexibility. They allow homeowners to sell their property, refinance to raise funds for home improvements or switch to more suitable products when they are available. It also always people to make lump overpayments without being capped at the standard 10% limit. 

Aaron Strutt, product director at Trinity Financial, says: "Many borrowers tend to opt for the cheapest mortgage without considering all of their options or talking through their decisions with their partner or family. They also do not thoroughly research the market to ensure they get the most suitable deal.

"Flexible mortgages are not suitable for everyone, but they are an option more borrowers should consider. Some lenders offer switch-to-fix facilities where it is possible to take a tracker rate and then lock into a fixed deal, which provides more flexibility with the option of payment security."

How much is a typical early repayment charge?

Charges vary from lender to lender. It tends to be the tracker rate mortgages which do not have exit fees.

Barclay recently lowered the percentage it charges borrowers when they repay their mortgages early. This is something that does happen very often.

Nationwide charges 5% of the loan amount for the first two years on its five-year fixes and 7% of the loan amount of its ten-year fixes, although they reduce every year. In comparison, Barclays charges 2% of the loan amount on its five-year fixes and flat 5% exit fees on its ten-year fixes.

Do lenders offer existing borrowers trackers without early repayment charge products?

Many banks and building societies do not offer existing customer mortgages without early repayment charges apart from the standard variable rate.

Lenders tend to have different rates for new customers buying a home or remortgaging or existing customers coming to the end of their deal. 

Just because a lender is not offering its customer a tracker or flexible mortgage without tie-ins does not mean they aren't available through other banks or building societies.

Are there flexible or offset mortgages?

Accord Mortgages, Barclays, Clydesdale, Coventry for Intermediaries, Coutts and Handelsbanken are some of the biggest players in the flexible and offset mortgage market. 

Offset mortgages allow borrowers to make lump sum overpayments and take the funds out again. This means the amount of interest they pay is reduced.  

Some offset mortgage lenders allow customers to repay 99% of the mortgage without charge.

 

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 lower mortgage rates but Barclays, NatWest and Santander still offering many of the most competitively priced deals

10th Apr 2024 • By Aaron Strutt

Mortgage lenders have been pretty quiet over the last few weeks and there have not been as many rate changes as usual.

HSBC has trimmed rates on several residential and buy-to-let mortgage deals for borrowers with a 40% deposit. The largest price improvement was HSBC's two-year fix for new customers making a residential purchase, which was reduced by 0.11%.

HSBC's five-year fix, available to borrowers with a 40% deposit and new customers making residential purchases, has been cut by 0.4% to just below 4.25%. It has a £999 arrangement fee and is available for mortgages, often between £100,000 and £5 million.

Halifax for Intermediaries has announced that it will lower some mortgage rates but increase others with effect from tomorrow, April 11th, 2024. 

Barclays is one of the big lenders offering competitively priced mortgages

Barclays recently increased some of its mortgage rates but still offers some of the most competitively priced two—and five-year fixes, although with MPowered Mortgages, NatWest, and Santander.

For borrowers with 40% deposits, Barclay's two-year fixed rate is priced at just over 4.5%, and its lowest five-year fix is below 4.20%. The three-year fixed rate is priced below 4.35%.

Aaron Strutt, product director at Trinity Financial, says: "We went through a period where the lenders were increasing their rates, although there have not been as many changes over the last week. We are still expecting rates to edge down over the coming months, but this is subject to inflation levels.  

"We are speaking to more first-time buyers keen to get on the property ladder and get out of renting, especially with average rents set to jump 13% over the next three years, according to the Resolution Foundation."

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

Detached house sales boosting property market according to data from Rightmove

31st Mar 2024 • By Aaron Strutt

The number of agreed sales for detached houses is currently 17% higher than at this time last year, while smaller flats lag behind at +6%. This is according to data from Rightmove.

New data reveals that Chard, a town in Somerset, is the new sales hotspot, with the number of sales agreed more than doubling (+123%) compared to this time last year. Second on the list of new sales hotspots is Hilton, in Derby, with an 112% increase in agreed sales compared to last year, and Padgate in Warrington is third (+112%).

Rightmove’s figures state that across Great Britain, the number of sales being agreed is currently 13% higher than at this time last year. The report says, “This growth is primarily being driven by sales of detached houses, which have seen the biggest resurgence compared to last year.

“The number of agreed sales for detached houses is currently 17% higher than at this time last year, while smaller flats lag behind at +6%.”

Increase in the number of agreed sales versus 2023
Detached house +17%
Semi-detached house +12%
Bungalow +10%
Terraced house +9%
Flat +6%

Source: Rightmove figures March 20, 2024

Rightmove’s property expert Tim Bannister said: “For a long period during the pandemic and into last year, there was very little availability of larger homes. With not much choice of property to move to, this deterred some larger-home sellers from coming to market. Last year, movers had to adjust from historic low mortgage rates to much higher levels.

“Whilst some larger-home sellers may have built up more equity over time, others looking to take out a larger mortgage on a more expensive home would have been particularly impacted. Now, rates have come down from their peak, whilst prices have remained stable, and we have a group of larger home sellers who are seizing the opportunity to come to market. The increased choice is being met with more demand, resulting in higher numbers of sales.”

Mortgages for detached properties

Banks and building societies tend to prefer issuing mortgages on houses when borrowers have smaller deposits, although the market is easing and lenders are providing lower deposit mortgages for flats. Santander was the last big bank to make changes to its acceptance criteria. 

Over the last few weeks, mortgage rates have become more expensive, although they are still reasonably priced. Two-year fixes are priced around 4.5% and five-year fixes start from 4.25%.  

Source: Rightmove press release

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

Accord Mortgages launch new 1% deposit mortgage for first-time buyers with just £5k deposits

27th Mar 2024 • By Aaron Strutt

Accord Mortgages and Yorkshire Building Society (YBS) have launched a new and innovative £5,000 minimum deposit mortgage. 

To qualify, applicants will need a deposit of between 5% and 1% of the purchase price and have a sufficiently large income to meet the lender's mortgage affordability calculations. 

The minimum mortgage amount is £95,000, and the maximum mortgage loan size is £495,000. This means the product is available for house purchases between £100,000 and the current maximum of £500,000.

Accord Mortgages in the broker lending arm of the Yorkshire Building Society. 

Who is Accord's new low deposit for?

  • At least one applicant must be a first-time buyer, defined as never having previously owned a property. The application cannot include background properties like buy-to-lets.
  • First-time buyers with a minimum £5,000 deposit.
  • Borrowers with a higher credit score - typically equivalent to the mortgages available for those with a five per cent deposit.

What else do you need to know about the new low deposit scheme?

  • It is available for house purchases and no newly built properties or flats.
  • Accord offers a five-year fixed rate just below 6% with £0 arrangement fee and a free property valuation. 
  • It is available for loan-to-values between 95.01% loan-to-value and 99% loan-to-value.
  • House purchases must be above £100,000 and up to £500,000.
  • The minimum mortgage amount is £95,000, and the maximum loan size is £495,000.
  • The maximum income multiple applied is 4.49x single or joint incomes. 
  • It is only available for capital repayment mortgages.
  • Up to 10% of the mortgage can be repaid each year without charge.
  • There is a maximum age of 70 at the end of the mortgage term.
  • Early repayment charges apply on a sliding scale that is reduced each year.

Aaron Strutt, product director at Trinity Financial, says: “A similar 1% deposit mortgage scheme was expected to be announced during the latest budget, but it was pulled. Accord and Yorkshire Building Society have launched it after working hard to develop the product.

"It is good news that borrowers have another low-deposit mortgage available, and it may tempt other lenders to offer similar products. Accord's new product has some criteria, so first-time buyers will have to meet them to qualify.

"Banks and building societies typically want a five- or ten-percent deposit, which is quite a shift from this new product, which probably has been designed to compete with Skipton’s 100% mortgage." 

ben-merritt-764x399-2

Yorkshire Building Society director of mortgages Ben Merritt (pictured) said research by the society indicated that £5,000 could shorten the time needed for first-time buyers to get mortgage-ready. He added that it could help to encourage a “level playing field for those who don’t have financial support from their families to fall back on.”

  

Call Trinity Financial on 020 7267 9399 to secure a low deposit first-time buyer 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 Times - New 99% mortgage deal for first-time buyers

27th Mar 2024 • By Aaron Strutt

First-time buyers will be able to get on the property ladder with as little as a 1 per cent deposit under a new type of mortgage being released by one of Britain’s largest lenders.

Aaron Strutt, from the mortgage broker Trinity Financial, said: “It is good news borrowers have another low-deposit mortgage option available and it may well tempt some other lenders to offer similar products.

“Banks and building societies always want a 5 or 10 per cent deposit so this is quite a shift from standard acceptance criteria.”

Click here to read the full story. £

The i - New 1% deposit mortgage for first-time buyers with just £5k – but there’s a catch

27th Mar 2024 • By Aaron Strutt

A new 1 per cent mortgage aimed at helping first-time buyers on the property ladder has launched.

The deal will allow homeowners to borrow up to 99 per cent of the property’s value, with a low deposit.

Aaron Strutt, of Trinity Financial, told i: “The Government decided against backing the 1 per cent deposit scheme in the recent budget so it seems like Yorkshire Building Society has launched it anyway.

“Many renters are desperate to get out of the rental sector and they have very little savings. Products like this give them the chance of getting on the property ladder without the standard 5, 10 or 15 per cent deposit.”

He added: “The rate is not particularly cheap but it is reasonably priced compared to some of the low deposit deals we have seen recently. This is clearly a product designed to help more first-time buyers on to the property ladder and compete with Skipton’s 100 per cent mortgage.

“The issue is that we are still not building enough homes and many first-time buyers simply cannot meet the tough affordability calculations to get a sufficiency large mortgage.”

Click here to read the full story £

BBC News - New mortgage deals being pulled within days

17th Mar 2024 • By Aaron Strutt

Mortgage deals are typically on offer for just 15 days before being pulled, despite homeowners and buyers having the widest choice for 16 years.

This is the shortest shelf-life in six months, according to financial information service Moneyfacts.

Product and communications director Aaron Strutt, from Trinity Financial, told the BBC some calmness had returned, but the average interest rate had been going back up.

"It is good news that borrowers have so many [mortgage deals] to choose from again. The only shame is that they are so much more expensive than they were," he said.

Click here to read the full story £

BBC News: HSBC, NatWest and Virgin Money changing interest rates

22nd Feb 2024 • By Aaron Strutt

More mortgage providers will increase their rates on new fixed deals on Friday following a series of changes since the start of the year.

January saw lenders cutting their rates sharply, bringing some relief to 1.6 million people set to remortgage this year.

"HSBC's best buy deals were never going last long once Santander pushed up its fixed rates," said Aaron Strutt, of mortgage broker Trinity Financial.

"While they have gone up, [deals] are still reasonably priced. Some lenders now offer two-year fixed-rates priced around 4.4% and five-year fixes priced around 4.2%.

"Lenders have had a busy start to the year and the property market has really picked up. These rate hikes may well start to knock the property sector again if they continue."

Click here to read the full story 

The Sunday Times - ‘I’m a first-time buyer — and I bought my house from my landlord’

4th Feb 2024 • By Aaron Strutt

People keen to escape rising rents may find that a cheeky offer made to a buy-to-let owner may be more than welcome, says George Nixon.
Tony Phipps had been a happy tenant of a two-bedroom house in Norwich for two years when he suddenly learnt that his landlord was getting ready to sell it.
 

Aaron Strutt from the mortgage broker Trinity Financial told The Sunday Times: “Landlords may like the thought of selling to their tenant as the easy option, you don’t need to give notice or make them move out.”

Click here to read the full story £

The Times - UK banks offer better mortgage rates to new buyers than to those remortgaging

29th Jan 2024 • By Aaron Strutt

The Times reports banks are offering homebuyers mortgage rates up to 0.72 percentage points lower than those available to people whose existing deals are ending as they fight for business and try to boost the property market.

Aaron Strutt, from the mortgage ­broker Trinity Financial, told The Times: “There is no shortage of people looking to ­remortgage but there has been a lack of purchase activity. By offering lower rates, banks hope to boost the purchase sector.”

Bank mortgage lending fell 28 per cent last year to £226 billion, the trade association UK Finance said, and it ­expects a further 5 per cent fall this year because of shrinking affordability caused by higher rates.

Strutt said: “Cheaper mortgage rates have created more interest even though we are barely a month into the new year.”

Click here to read the full story £

£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

£1.5 million product transfer mortgage for dentists sticking with their existing lender

12th Feb 2024 • By

What was the situation?

Trinity Financial recently arranged a product transfer mortgage for our clients. Their fixed rate was due to finish, and they wanted a new deal to avoid the standard variable rate.

They were referred to us by their friend, so we did not set up their initial mortgage. They had contacted their bank to find out the existing customer rates they were offering to stay, and when they found out, they were not happy. Despite carrying out a major refurbishment on their home, the mortgage they were offered was expensive and not in line with market expectations.

They thought their property was worth around £2.25 million, and their mortgage was £1.5 million. 

How did we help?

When our clients came to us, they planned to switch lenders to secure a better rate. However, once our broker reviewed their finances and understood that they had changed their business's company structure, he told them a mortgage with a rival bank would be harder to obtain. 

Most banks and building societies offer their existing mortgage customers new deals but do not always explain that if you have made home improvements, you can request the property to be revalued. 

Once our client discovered this often-underused criteria, our broker instructed the reinspection, which needed to be paid for. The valuer returned with an improved property price, which meant they had access to 30 per cent deposit mortgages rather than the significantly higher 5 per cent deposit rate they were being offered.

The product transfer mortgage application was accepted on a two-year fix so they could give their company finances time to develop and reassess the market sooner rather than later. 

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

£890,000 remortgage for borrower switching from tracker rate to a five-year fix

1st Feb 2024 • By Aaron Strutt

What was the situation?

Trinity Financial’s existing customer asked for help refinancing from their two-year tracker rate to a five-year fix.

They had seen fixed rates increasing and decided they would rather have a five-year fix for the payment security.

They worked in financial services, and their annual bonus was larger than their basic salary. Their current mortgage was £890,000, and their property was worth just over £1.5 million.

They had completed a large amount of work on their home and thought by getting the property revalued as part of the remortgage, they would be able to get a more attractive rate.

How did Trinity Financial help?

As our broker arranged their last mortgage and had their account details, he checked to see what their existing lender was offering them to stay and whether they had a good five-year fix. A rate switch would have resulted in less paperwork.

After confirming that the lender was not offering the most competitively priced five-year fixes, he found the lender offering the most competitively priced five-year fix, which was happy to use such a large amount of bonus income. 

He submitted the application and secured the rate. The property was revalued as part of the process. 

Lending solutions with Trinity Financial

Are you looking to remortgage 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  

Get in touch

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

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

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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
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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

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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
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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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