
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
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.
See our list of lenders.
How much can you borrow for a mortgage?


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Book a Consultation Mortgage QuestionnaireFancy a two-year fix at 3.75%? Barclays has lowered its mortgage rates again!
18th Jul 2025 • By Aaron Strutt
Barclays for Intermediaries is the latest major bank to lower its mortgage rates again, as fixed rates continue to become more competitively priced.
The bank has introduced a two-year fix at 3.75% available to borrowers purchasing a property. It has an £899 arrangement fee and applicants will need a 40% deposit to qualify.
The mortgage is available to Barclays Premier with an income of at least £75,000 to a combined income of £100,000, although the rate is only 0.01% more expensive for non-premier customers. Applicants will need a 40% deposit to qualify. The minimum loan size is £5,000, and the maximum is £2,000,000.
Aaron Strutt, product director at Trinity Financial, says: “It shows how keen banks and building societies are to attract borrowers. The cheapest two-year fixes are still more competitively priced than many of the three and five-year fixes, and they are still popular, as many people still think rates will be lower in a few years' time. If you can get a sub-4% rate, I still think you are doing pretty well.”
Representative example: A capital and interest mortgage of £400,000 payable over 30 years, initially on a fixed rate basis at 3.75% until 30/09/2027 and then on the lender's 6.24% standard variable rate for the remaining 28 years. The 3.75% rate would require 25 monthly repayments of £1,852.46 followed by 335 payments of £2,425.46. The total amount repayable would be £859,970.67. This amount is illustrative and may vary, made up of the loan amount, plus interest £458,840.83) and £899 (product fee), £80 (final repayment charge), £35 (completion fee). The overall cost for comparison is 6% APRC representative.
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
Worried about putting in a larger deposit than your partner to buy a property? Consider a Declaration of Trust
16th Jul 2025 • By Aaron Strutt
A Declaration of Trust is a legal document used to express the agreement between joint property owners.
It can cover specific issues such as each owner’s contributions to the purchase price, the mortgage, and other outgoings.
Why do you need a Declaration of Trust?
Declaration of Trusts clarifies the amounts paid by each owner and the percentage of the property owned by each owner. It also states how the proceeds will be divided when the property is sold.
Setting out your agreement in writing at the beginning can help avoid costly disputes if the relationship between the owners unexpectedly breaks down.
If you are buying a property and a third party, such as a parent, is contributing to the deposit but will not be named on the legal title, a Declaration of Trust will help protect their contribution. This is a common scenario for first-time buyers whose parents help them climb onto the property ladder by contributing to the deposit.
As a solicitor at SAS Daniels, Jessica Shore, pictured above, says: “More couples are starting to take out Declarations of Trusts when they buy a property to ensure they have some financial protection.
“Many parents are also keen to make sure the money they are putting towards the purchase stays in the family if their children’s marriage or relationship breaks down.”
SAS Daniels Trust specialists also work alongside Steph Lyke in its residential property team to ensure Trusts are executed properly once the property purchase is completed.
They will prepare a draft document for you to approve before sending the final document to you to sign and provide secure storage of the original Declaration of Trust in their archive.
For advice on a Declaration of Trust please get in touch with Jessica Shore in the Trusts team on 01244 305 941 or email jessica.shore@sasdaniels.co.uk
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
Coventry and TSB ease mortgage affordability stress tests potentially offering up to £35,000 more
16th Jul 2025 • By Aaron Strutt
TSB for Intermediaries is the latest lender to ease its mortgage stress tests, allowing some customers to borrow up to £30,000 more when buying their home.
The lender states that the move includes first-time buyer applications and reduces the stress rate of interest for all residential applications by up to 2% to 6.75%, or the product rate plus 1% if higher.
It expects this will boost mortgage affordability on a typical joint application by around £30,000, based on a joint income of £75,000 when they have a 10% deposit.
TSB has also increased the loan-to-income multiple on mortgage lending for self-employed customers earning over £75,000. It says self-employed customers earning between £75,000 and £100,000 can now borrow up to five times their income for mortgages when they have a 15% deposit.
Additionally, self-employed customers who earn £100,000 or more can now borrow up to 5.5 times their annual income for mortgages with a loan-to-value ratio of 85% or lower. This is an increase from 4.49 times income.
Coventry changes stress test rules
Coventry for Intermediaries has also eased its mortgage stress test, allowing typical borrowers to borrow up to £35,000 more.
The changes will reduce stress rates for residential lending, increasing maximum borrowing by 8-15% for many applicants. That means some first-time buyers, home movers and remortgagers could see an increase in their maximum loan amount.
One of the biggest announcements this week came from Lloyds Banking Group, which confirmed that it will make an additional £4 billion of lending available to first-time buyers seeking high loan-to-income multiples.
Lending solutions with Trinity Financial
Are you looking to buy a property or remortgage and need expert advice? We’re here to help you find a solution. Our specialist 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
Chancellor Rachel Reeves confirms mortgage changes in Mansion House speech
15th Jul 2025 • By Aaron Strutt
Chancellor Rachel Reeves confirmed in her Mansion House speech last night that new mortgage rules, including changes to loan-to-income limits, are being implemented immediately.
As part of the changes, lenders will be able to offer more income stretch mortgages, which means tens of thousands more people should be able to get a mortgage over the coming years.
The Chancellor confirmed that she is raising the capital requirements asset thresholds to allow UK banks to lend more, which should “benefit the challenger banks and bring increased competition and innovation to the market.”
Rachel Reeves is also implementing lower capital requirements as part of changes to the Basel 3.1 rules for domestically focused banks, effective from January 2027, as they also aim to attract more international banks. Ringfencing rules are also being revised to address inefficiencies and promote growth.
How will the changes help smaller mortgage lenders?
Paragon Banking Group chief executive Nigel Terrington was quoted as saying the move “provides many mid-tier banks with the capacity to grow without the risk of being drawn into a regime intended for systemically important firms.
Mr Terrington adds: “We also welcome the Prudential Regulation Authority’s decision to review the internal ratings-based process. This needs to be streamlined and accelerated to enable mid-tier banks to compete more actively in the mortgage market, supporting growth and choice for homeowners and landlords.”
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
Accord offering more generous mortgage income multiples for applicants with minimum household income of £50,000
15th Jul 2025 • By Aaron Strutt
Accord Mortgages has already responded to the relaxation of limits on higher-loan-to-income mortgages announced by the financial regulator and Chancellor Rachel Reeves by making enhancements to its product range.
Accord Mortgages, the broker-lending arm of the Yorkshire Building Society, is extending its popular ‘Boost LTI’ product, which provides access to mortgages up to 5.5x single or joint incomes, to first-time buyers with at least a 5% deposit. The lender has also lowered the minimum income qualification threshold for this product from £75,000 to £50,000.
Boost LTI has a specific range of two- and five-year fixed rates, priced between 4.1% and 5.2%. Arrangement fees range between £495 and £1,495, and mortgage sizes range between £50,000 and £5 million.
Accord has also reduced its minimum income threshold for lending up to five times income from £75,000 to £50,000 as part of these latest mortgage changes. This policy change is not just for first-time buyers.
Yorkshire Building Society director of mortgages Ben Merritt (pictured above) commented: “Last week’s announcement by the regulators was exactly what we have been campaigning for, to loosen the shackles and enable us to support even more borrowers – and particularly first-time buyers, in being able to buy homes.”
He added: “The simple fact is that there are customers, including first-time buyers, who can afford to borrow more than 4.5 times their income, who have been shut out of this market by the existing regime.
“We can now offer them a lifeline to borrow what they need for their dream home in line with our commitment to responsible lending. This is crucial in the current economic environment where house prices in many parts of the UK continue to rise at a faster rate than incomes.”
Do many lenders offer income stretch mortgages?
The mortgage market is opening up and there is a lot of choice for borrowers planning to get on the property ladder. Trinity's brokers have access to a range of lenders offering enhanced income multiples for all types of borrowers.
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
Nationwide expands Helping Hand first-time buyer mortgages support after regulator relaxes high loan-to-income rules
15th Jul 2025 • By Aaron Strutt
Nationwide for Intermediaries is making it easier for more people to get on the property ladder by relaxing the income criteria for its Helping Hand mortgage, which offers lending of up to six times salary mortgages to first-time buyers.
The move follows the Prudential Regulation Authority’s (PRA) recent announcement enabling banks and building societies to increase high loan-to-income lending.
From Wednesday (16 July), eligible first-time buyers can apply for the Helping Hand mortgage with a £30,000 salary, down from £35,000, and joint applicants with a £50,000 combined salary, down from £55,000. They will still need to meet strict mortgage affordability rules, but Nationwide says this move is expected to support an additional 10,000 first-time buyers each year.
Nationwide says that it lent to more first-time buyers in 2024 than any other lender and that it has now applied to the PRA to increase its high LTI lending capacity. The lender says the vast majority of Nationwide’s high LTI lending is done through its Helping Hand product, which allows eligible first-time buyers to borrow up to 33% more than its standard lending.
Prior to the PRA announcement last week - recommended by the Financial Policy Committee - lenders could only offer a limited amount of loans at or above 4.5 times a borrower’s income - capped at 15% of their eligible new loans.
How many first-time buyers have used Nationwide's Helping Hand product?
The Helping Hand has assisted around 60,000 first-time buyers since its launch in 2021, which is not surprising given the significantly more generous maximum loan sizes compared to many of its competitors.
Nationwide’s current salary thresholds were put in place to ensure that it kept within the 15% limit following exceptionally strong demand for the proposition. The society says the arrears rates on Helping Hand are lower than those of Nationwide’s standard lending due to the enhanced controls being applied.
First-time buyers need to take a five or ten-year fix with the Helping Hand product
The availability of Helping Hand is subject to many factors, for example credit score and how much debt the applicant has.
- All applicants must be first time buyers.
- 5 and 10 year fixed rates available providing first-time buyers have a 5% deposit.
- The minimum income of £30,000 sole applicant or £50,000 for joint applicants. You can include all income sources (except self-employed income).
- The maximum lending limits depend on the application.
Nationwide won’t accept applications with the following:
- Self-employed income for either applicant.
- In conjunction with any scheme or non-standard ownership type. For example, First Homes, Shared Ownership, Genuine Bargain Price, Right to Buy and Help to Buy.
- The mortgage cannot be taken on Interest Only.
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
Daily Mail - Give more first-time buyers bigger mortgages, Reeves tells finance firms.
16th Jul 2025 • By Aaron Strutt
More first-time buyers could get bigger mortgages, as Rachel Reeves enables lenders to loosen their lending rules to help more people on lower incomes buy a home.
The Chancellor is expected to announce the reforms to financial regulation at a summit of top finance executives in Leeds today, ahead of her Mansion House speech in the City of London.
Aaron Strutt of Trinity Financial, told the Daily Mail: 'It can be really hard for those on lower incomes to borrow anywhere near the amount they need to buy a home, even if they have a large deposit.
'The argument is that they have less disposable income and therefore they can't afford a larger mortgage - even though many of them are paying high rents.'
Click here to read the article
The Sun - HOUSE THAT Boost for first-time buyers as new rules come in to make it easier to get a bigger mortgage
9th Jul 2025 • By Aaron Strutt
FIRST-TIME buyers could find it easier to get a bigger mortgage under new lending rules coming in this week.
Mortgage lenders are to be given flexibility to lend more to borrowers, thanks to changes approved by financial watchdogs.
Aaron Strutt, of broker Trinity Financial, told The Sun there is "no doubt" that the new rules will "take some pressure off smaller lenders".
"These income stretch mortgages often make the difference between someone buying a house or a flat, or a property in a nicer area. It tends to be younger people borrowing over five times their salary to get on the property ladder," he added.
"At the moment, borrowers really need to do their homework to get the most generous loan sizes at the most competitively priced rates."
Click here to read the full story
The i - Mortgage price war continues as two major lenders make further cuts
7th Jul 2025 • By Aaron Strutt
Two major high street banks have cut their mortgage rates again, following multiple cuts last week.
NatWest has announced that it will make a range of rate reductions from Tuesday, as will HSBC.
Aaron Strutt of brokers Trinity Financial said: “It is not that common for lenders to lower their rates twice in a week, so it shows how keen they are to do business at the moment.
“It seems like the banks and building societies are expecting a reduction in the number of property purchases, which certainly isn’t helped by the current stamp duty levels, although they are expecting more remortgages where borrowers switch to other providers to get a better deal or borrow more cash.”
Click here to read the full story £
The i - Britain's biggest mortgage lender among four major banks cutting rates
1st Jul 2025 • By Aaron Strutt
Halifax is among multiple major mortgage lenders to cut rates on their home loans from Tuesday.
Britain’s biggest mortgage lenders have cut some rates by up to 0.1 percentage points. It is joined by Santander, HSBC and Barclays, which are all cutting rates this week.
Aaron Strutt, of Trinity Financial, told The i: “Competition between the big six lenders is intense so the longer they delay bringing down their rates the more business they will lose.
“Thankfully the cost of borrowing has been coming down again so they can lower their rates. Nationwide and Barclays have been offering many of the cheapest rates for a while and the other lenders are pushing to match them.”
Click here to view the fill story £
Thisismoney.co.uk - How choosing the right mortgage lender could allow a first-time buyer to borrow £124,000 more
26th Jun 2025 • By Aaron Strutt
First time buyers may be pushed into buying smaller, cheaper homes in less desirable areas if they pick the wrong mortgage lender, new analysis has revealed.
Mortgage broker Trinity Financial entered details of a fictional typical first-time-buyer couple into nine mortgage lenders' online calculators to find out how much they could borrow.
Aaron Strutt of Trinity Financial told Thisismoney.co.uk: 'Many first-time buyers do not realise that the amount they can borrow ranges so significantly depending on the lender they apply to for a mortgage.
'It does pay to shop around when it comes to mortgage affordability and borrowing the amount you need.
'Most lenders use completely different calculations to determine how much their customers can borrow, and as a result, the maximum loan sizes can vary significantly.
Click here to read the full story
Daily Mail - Nationwide changes mortgage rules to let first-time buyers buy new builds with just a 5% deposit
25th Jun 2025 • By Aaron Strutt
Nationwide Building Society is offering first-time buyers the chance to get a mortgage covering up to 95 per cent of the purchase price when buying new build houses.
The mutual says the mortgage product will be available from Thursday and will also enable buyers to borrow up to six times' their annual income, when they do so via its Helping Hand scheme.
Aaron Strutt of mortgage broker Trinity Financial, told Thisismoney.co.uk: 'A new build first-time buyer 5 per cent deposit mortgage at six times salary is pretty punchy.
'Many of the other lenders would not be comfortable offering a product like this. But from a borrower perspective, it gives many people the chance to get on the property ladder and buy a new home.'
Click here to read the full story
£1.5 million mortgage for solicitors buying family home
4th Jul 2025 • By Aaron Strutt
Trinity Financial recently helped two solicitors buy their first family home after they found our contact details online.
They had an offer accepted and wanted advice on the most competitively priced rates for higher-earning individuals requiring larger mortgage loans.
Did they have a complex situation?
Our clients were both employed solicitors with high salaries, and they had a £300,000 deposit. This meant they were well within affordability and would qualify with multiple lenders.
Trinity’s broker researched the rates being offered across the £1 million+ market and found a large bank offering a competitively priced two-year fixed rate. This lender is very keen to attract wealthy borrowers and it has a range of larger loan rates.
Our broker submitted their mortgage application once they had received their client's documents and confirmation to proceed. The lender's large loan team swiftly accepted it and was happy to offer the mortgage.
Was the rate particularly good?
Mortgage rates were higher than they are currently, and they have been trending downward. We initially locked in a rate just above 4.6% fixed for two years, and switched the mortgage offer twice, bringing the rate down to below 4.25% a few days before they needed to exchange contracts and complete their purchase.
How long did it take to produce the mortgage offer?
The initial mortgage was offered within three working days. The lender has a specialist team to assess and provide mortgages for £1 million or more.
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. 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
£1.2m interest-only product transfer rate switch for city trader
1st Jul 2025 • By Aaron Strutt
Trinity Financial recently arranged a £1.2 million product transfer for an existing client nearing the end of his fixed-rate.
Working as a city trader a large part of his income is paid in bonuses and he wanted to get a competitively priced two-year fix but remain on interest only.
Did they have a complex situation?
Our client had a large salary, and mortgage affordability was not an issue; however, he had £1.2 million on interest-only, which put him at a 75% loan-to-value ratio. This meant he did not have many competitively priced remortgage options available to him.
He was not planning to move home and had been making lump-sum overpayments to bring down the mortgage balance.
Was the rate particularly good?
He was offered a two-year fixed rate at just over 3.90% with his bank to stick with them and this was a better deal than the one he had before. He opted for the two-year fix because he believed rates would be lower in the near term.
Trinity's broker researched the market and was unable to find a suitable mortgage that offered a more competitive price. He submitted the mortgage rate transfer application when the client confirmed he was happy to proceed.
How long did it take to produce the mortgage offer?
A product transfer mortgage offer is typically issued on the same day as the application is submitted via brokers like Trinity Financial.
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. 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
£850,000 mortgage for clients keeping old home to give them time to refurbish new property
1st Jul 2025 • By Aaron Strutt
Trinity Financial recently secured a £850,000 mortgage for a professional couple purchasing a £1 million property in London.
They already had a mortgaged property they lived in and wanted to keep it before putting it on the market to avoid having a chain and potentially delaying completion. They also wanted time to refurbish their new home.
Did they have a complex situation?
Our clients are higher earners and had a 15% deposit. However, not all lenders are comfortable with borrowers technically having two residential properties, even if it is for a short period.
After researching the market, Trinity's broker found a large high-street bank willing to offer the full £850,000, allowing our clients to have two residential mortgages. The lender offered competitively priced rates and has swift turnaround times.
To meet affordability requirements, applicants must demonstrate that they can afford two mortgages simultaneously, even with lenders' higher stress test rates.
Was the rate particularly good?
The lender offered a two-year fixed rate priced around 4.25%, and the clients opted for a 35-year term to lower their monthly repayments. The lender allowed 10% of the mortgage to be repaid each year without charge.
How long did it take to produce the mortgage offer?
The mortgage offer was produced within a week of the application being submitted.
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
£400,000 mortgage for junior doctor based in the Isle of Man buying in London
22nd Jun 2025 • By Aaron Strutt
Trinity Financial recently helped a couple buying their first home to secure a £400,000 mortgage to purchase a £500,000 flat in London.
Did they have a complex situation?
One of our clients is a junior doctor based in a hospital on the Isle of Man, and his partner, who works in London, was on a visa.
When he finished his training on the Isle of Man, he planned to move in with his partner in London. But for the time being, he would return home and stay in the flat every month.
His partner was not British and was in the country on a visa without indefinite leave to remain.
This application was more complex because the Isle of Man is not part of the UK, and that's an issue for most lenders. Another broker said they could not do the deal because it was not possible!
Trinity's broker approached a host of lenders, and most of them would not provide a mortgage. He did find one bank happy with the fact that the client was a doctor and that he would be coming to stay in the property on a regular basis.
Was the rate particularly good?
Two-year fixed rate just below 4.10%. The couple thought interest rates would come down over the medium term and did not want to lock into a five-year fixed rate.
How long did it take to produce the mortgage offer?
It took two weeks to produce the mortgage offer once the application was submitted.
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
£500,000 building society mortgage using pending income from SIPP, pension, plus stocks and shares
15th Jun 2025 • By Aaron Strutt
Trinity Financial recently secured a £500,000 mortgage for a client with substantial funds in his Self-Invested Personal Pension (SIPP), pension, and stocks and shares.
He had found a £1 million house to buy in Surrey, and his offer was accepted, but he was struggling to find a lender willing to issue him with a mortgage.
Did they have a complex situation?
Our client has over £1 million in his SIPP, over £1.3 million in stocks and shares, and another substantial pension fund. However, as he was 55 years old, many lenders stated that he was not old enough to access the funds and he would have to wait.
Trinity Financial's broker contacted a range of lenders, and none of them were willing to lend him any money. This led her to speak to the specialist building societies and to contact their relationship managers.
After speaking to one provider with a reputation for lending to wealthier clients who do not meet all the criteria, a specialist mortgage underwriter assessed his financial situation and agreed to provide the mortgage.
They saw that the client had a good financial situation, a good credit score and determined that lending to someone with a large deposit and substantial income was a safe bet.
Was the rate particularly good?
The lender offered a reasonably competitive five-year fixed rate priced at just over 5% over a ten-year term. He planned to repay the mortgage quickly.
How long did it take to produce the mortgage offer?
The mortgage offer was produced quickly, and within a week of the application being submitted. The process was fast because we had all the documentation the lender requested, and the property valuation was satisfactory.
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 mortgage on super cheap rate ported to new home with £250,000 top up
10th Jun 2025 • By Aaron Strutt
What did they do for a living? One of our clients is an IT Director, and his partner is a homemaker.
They had found a new home to buy and had their offer accepted. They wanted to take their existing £700,000 mortgage with them, using the porting facility, and borrow an additional £250,000.
Why did they need your help? They were existing clients and our broker arranged the original mortgage for them. They wanted help with the porting process, application and advice on the rate for the top-up loan part.
Did you struggle to find a lender? No, as porting made more sense. They had such a cheap rate that it would have been a real shame not to take it with them to their new home.
Was the rate particularly good? Ported £700,000 existing rate that was below 1% fixed until 30/11/26 and additional borrowing of £250,000 on a sub-3.90% two-year fix.
How long did it take to produce a mortgage offer? It took just over two weeks for the mortgage to be offered by their existing lender.
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. 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
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