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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.

See our list of lenders.

How much can you borrow for a mortgage?

Applicant One

  1. £
  2. £

Applicant Two

  1. £
  2. £

  1. You could borrow between


    *subject to meeting the individual lender's criteria.

    • 4.5 x single or joint income - The amount most banks and building societies lend to clients.
    • 5 x single or joint income - The amount many of the more generous lenders allow clients to borrow.
    • 5.5 x single or joint income - An increasingly more generous amount available through a limited number of lenders often for first-time buyers, wealthier clients and professionals like doctors and lawyers.
    • 6 x single or joint income - This is available for some first-time buyers and potentially through some specialist mortgage lenders. Please contact us for more information.
This information is a guide only and should not be relied on as a recommendation or advice that any particular mortgage is suitable for you. All mortgages are subject to the applicant(s) meeting the eligibility criteria of the specific lender. You should make an appointment to receive mortgage advice which will based on your needs and circumstances.
Jed Newton
"Receive a bonus? Call us on 020 7016 0790. Some lenders take up to 100% of bonus income for wealthier clients."

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

Mini mortgage price war breaks out as two and three-year fixes still undercut five-year fixed rates

28th Oct 2025 • By Aaron Strutt

Two and three-year fixed-rate mortgages are still more competitively priced than virtually all of the lowest five-year fixes, as many borrowers continue to opt for short-term fixed rates.

Mortgage lenders including Barclays, HSBC, Halifax, Santander and NatWest, have all lowered their rates in recent days in a positive move by the banks to attract more borrowers in the run-up to Christmas. Their five-year fixes are no longer as competitively priced, so there are fewer sub-4% five-year fixes available.

NatWest, Santander, Barclays and Halifax offer a selection of the lowest two-year fixes from around 3.75%, while Santander, TSB and Halifax offer three-year fixed rates from 3.8%.

When is the next Bank of England base rate cut expected?

UK headline inflation unexpectedly held steady at 3.8%, with policymakers hoping we are at the peak, and prompting traders to increase bets on a rate cut by year-end.

According to the latest market update from Arbuthnot Latham private bank, markets are now pricing in a 70% probability of a December cut, followed by at least one further cut early next year, potentially taking the base rate to below 3.5%.

No change is expected at the November meeting, but markets will be keenly focused on the vote split and the Bank’s updated economic projections.

Why are borrowers still taking five-year fixes if two-year deals are cheaper?

Many homeowners and particularly first-time buyers, want the longer-term payment security and would rather avoid a two-year fix. Another big reason is that mortgage lenders use more generous affordability calculations, so first-time buyers, next-time buyers, and remortgaging customers can borrow more when they take a five- or even a ten-year fix.

What will happen to fixed rates if the base rate is lowered?

There is a chance that the fixed rates will get cheaper, but probably not by much. The Bank of England base rate and mortgage funding costs will need to come down a few more times before fixed rates get noticeably cheaper.

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 still offering fixed mortgages from 3.80% for mortgages between £300,000 and £5 million

24th Oct 2025 • By Aaron Strutt

Some of the biggest banks and building societies have increased their mortgage rates marginally over the last few weeks, but Nationwide for Intermediaires is still offering some of the leading fixed rates.

Nationwide for Intermediaries offers a two-year fixed-rate mortgage at 3.80% and the lender has a five-year fix at just below 3.95%. These rates undercut many of the other big banks and building societies.

Nationwide’s most competitive rate is 3.80%, and it is available for homebuyers to borrow between £300,000 and £5 million. There is a £1,499 arrangement fee, and applicants must make a 40% deposit to qualify. The sub 3.99% five-year fix has the same minimum and maximum loan sizes and the same arrangement fee.

Aaron Strutt, product director at Trinity Financial, says: "Mortgage rates have edged up recently, and while they are more expensive, they still offer good value for money. 

"One of the good things about Nationwide is the way borrowers can book a rate for up to 90 days, providing a mortgage offer is produced in that time. Other lenders do not allow their decisions in principle to last so long."

Representative example: A Nationwide capital and interest mortgage of £1,000,000 payable over 30 years, initially on a fixed rate basis at 3.80% for 24 months and then on the lender's 6.24% standard variable rate for the remaining 28 years. The 3.80% rate would require 24 monthly repayments of £4,659.57 followed by 336 payments of £6,379.50. The total amount repayable would be £2,256,855.68 made up of the loan amount, plus interest (£1,255,342.80) and £1,499 (product fee), £80 (final repayment charge), £25 (completion fee). The overall cost for comparison is 6.4% APRC representative.

Greatest number of low-deposit deals for 17 years: Moneyfacts

The number of mortgage deals available for borrowers with a 10% or 5% deposit reached its highest level for 17 years this month, figures from Moneyfacts show. There are 464 deals for those with a 5% deposit and 896 deals with a 10% deposit, meaning a combined total of 1,360 product options for borrowers with a deposit of 10% or under. There are also more lenders offering really low deposit mortgages for those with less than 5% to put down.

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

Surge in First-Time Buyers Using Nationwide’s six times salary Helping Hand Mortgage

23rd Oct 2025 • By Aaron Strutt

Nationwide Building Society has reported a 53% increase in first-time buyers using its Helping Hand mortgage in the past year, as demand for affordable mortgage options continues to rise.

Record support for first-time buyers

Between October 2024 and September 2025, around 23,000 buyers used the Helping Hand scheme – up from 15,000 the year before. The surge follows Nationwide’s decision to let eligible buyers borrow up to six times their income, making it easier for more people to secure their first home.

Recent regulatory changes have also allowed the lender to relax its affordability criteria, extend lending to 95% Loan-to-Value (LTV) on new-build houses, and reduce stress testing.

How Helping Hand makes a difference

Launched in 2021, Helping Hand offers first-time buyers enhanced borrowing power on five- or ten-year fixed-rate deals. Since launch, the scheme has supported over 63,000 buyers and lent around £13 billion – with particularly strong take-up in London and the South East, where property prices are higher.

The average age of Helping Hand buyers is 30–31, two to three years younger than the typical first-time buyer, showing the impact of improved affordability.

Nationwide’s Group Director of Mortgages, Henry Jordan, said:

“Our decision to increase borrowing up to six times income has been a gamechanger for thousands of first-time buyers. We’re proud to keep putting first-time buyers first.”

Do other lenders offer six times salary mortgages?

Bank of Ireland for Intermediaries is the latest bank to start offering up to 6 times salary mortgages. They are also available through Tipton Building Society and Kensington for Intermediaries. Although some of the UK's largest mortgage lenders, including HSBC and Santander for Intermediaries, have eased their mortgage affordability in many cases, issuing mortgages worth up to £39,000 more, they are still not generous enough to help many borrowers onto the property ladder. 

Get expert mortgage advice from Trinity Financial

At Trinity Financial, our team of experienced London mortgage brokers specialises in helping first-time buyers secure the right deal. We work with all major lenders, including Nationwide, and can guide you through the full application process.

Call Trinity Financial on 020 7267 9399 to secure a first-time buyer 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

Barclays to launch market leading five-year fix (but there is a catch) as HSBC and Santander to lower mortgage rates

23rd Oct 2025 • By Aaron Strutt

Barclays, HSBC and Santander have announced they are lowering their mortgage rates as the lenders look to attract more borrowers in the run-up to Christmas.

The current slowdown in the UK mortgage and property market is also making them work a bit harder, as many buyers wait to see what Labour announces in the November Budget.

Barclays is introducing a five-year fix tomorrow priced at just over 3.90% with a £899 arrangement fee for borrowers with a 40% deposit. The maximum loan size is £2 million and properties will need to have an energy efficiency rating of 81 or above, or have energy efficiency bands A or B to qualify. The rate is marginally higher for properties with lower energy ratings.

Santander is lowering its mortgage rates by around 0.15% for new and existing customers. The Spanish bank is launching a two-year fixed rate starting from just over 3.70% for mortgages between £500,000 and £1.5 million and up to a maximum of £5 million. Product fees starting from £1,999. 

According to research from Mojo Mortgages, the average UK buyer waits 87 days, almost three months, between receiving a mortgage offer and completing their purchase. So anyone getting an offer accepted to buy a property now can expect to get their keys in February or March. However, this period is often far longer than anticipated by first-time buyers, typically consumed by conveyancing, legal checks and administrative processes.

Get expert mortgage advice from Trinity Financial

At Trinity Financial, our team of experienced London mortgage brokers specialises in helping first-time and next-time buyers secure the right deal. We work with all major lenders, including Nationwide, and can guide you through the full application process.

Call Trinity 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

How much can London's Square Mile workers borrow now the average salary has hit over £100,000?

23rd Oct 2025 • By Aaron Strutt

Average full-time pay in the City of London has reportedly broken through the £100,000 barrier for the first time following the return of banker bonuses. 

Latest official figures from the Office for National Statistics (ONS) and published in the Evening Standard show that full time workers in the Square Mile were paid an average of £103,352 in 2025, an inflation beating rise of 10.6% from last year’s figure of £93,438.

Pay in the City has been boosted in recent years by larger salaries for lawyers, particularly those working for US firms, the increasing number of tech firms clustering in the Square Mile, and resurgent bonuses for high-flying bankers and traders.

The Standard reports across London as a whole average full time pay rose 7.1% to £70,275, while median pay was up 4.7% at £49,692. If part time workers are included average pay rose 7.4% to £60,673, and median pay was up 3.9% at £43,190.

How much can I borrow for a mortgage on a £100,000 salary?

At Trinity Financial, we work closely with high-street banks and specialist lenders to help you secure the maximum possible mortgage based on your income and circumstances. We help Americans buying in the UK and professionals like bankers and traders receiving a large part of their income in bonuses.

For an annual salary of £100,000, most lenders will typically offer between 4.0× and 5.5× your income, although some can lend 6× salary depending on your credit profile, existing commitments, and overall affordability.

Income Multiple Estimated Loan Amount
4.0× £400,000
4.5× £450,000
5.0× £500,000
5.5× £550,000

 

How Much of a Bonus Will Mortgage Lenders Take Into Consideration?

Each lender has its own policy on what proportion of your bonus can be included in affordability calculations. The key factors they look at are:

  • Frequency and consistency: Regular bonuses (monthly, quarterly, or annually) that have been paid for at least two years are more likely to be accepted.

  • Evidence: Lenders typically require payslips, P60s, or bank statements to confirm the bonus payments.

  • Guaranteed vs. discretionary: Guaranteed or contractual bonuses are treated more favourably than discretionary ones that vary year to year.

Typical Lender Treatment

Type of Bonus What Lenders Usually Consider Notes
Guaranteed bonus Up to 100% If written into your employment contract
Regular annual or quarterly bonus 50–100% (average over last 2–3 years) Depends on consistency and employer
Irregular or discretionary bonus 0–50% Often only a portion is used to reflect variability

 

As a rough guide, most high-street lenders will include 50% of your average bonus income from the past two or three years. Some specialist or private banks may consider up to 100%, especially for professionals in sectors like finance, law, or medicine. Banks and building societies have eased their bonus income policies in recent years.

Our advice for higher earners:

  • Applicants with minimal debt and strong credit can often achieve the higher multiples, and lenders will be so keen to issue mortgages that rates start from around 3.80%.

  • Joint applications clearly enable borrowers to access the most generous loan sizes, especially when both are working. The lenders' issue considers both salaries.  Professionals on career progression schemes may access enhanced borrowing.

  • Trinity Financial’s advisers can compare multiple lenders to identify who will lend you the most based on your full financial situation and property requirements.

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 

What has been happening to mortgage rates over the last few weeks?

22nd Oct 2025 • By Aaron Strutt

There have been very few changes to fixed and tracker rate mortgages over the last few weeks, meaning a selection of two- and five-year fixes remain available at rates well below 4%. For the first time in quite a while, there were very few amendments when updating our latest £1 million+ mortgage table.

There is little doubt that the upcoming budget has slowed the sales market, as concerns about what the Chancellor will announce in her budget have arisen; however, transactions are still being completed.

Homebuyers paid £10.8bn in Stamp Duty between January and September this year, according to analysis by Coventry Building Society of the latest HMRC data – a rise of 22% on the £8.8bn collected over the same period in 2024.

Which lenders have the most competitive mortgage rates?

Santander for Intermediaries and Nationwide offer a selection of competitively priced two-year fixes, priced around 3.80%. Meanwhile, Santander, NatWest, and Halifax have three-year and five-year fixes available at rates below 4%. 

What about inflation figures?

Food prices are increasing at their slowest rate in more than a year as inflation remained unchanged for the third month in a row. The UK inflation rate remained stable at 3.8% in September, which was lower than expected, according to official figures. This means there is a chance the Bank of England base rate could come down again from 4% over the coming months, possibly in December. 

How have we been helping our clients?

Trinity’s brokers have been busy helping our clients in various financial situations to buy properties and remortgage.

We recently helped two first-time buyers secure a £750,000 part-interest-only mortgage to help them lower their costs. We also arranged a £500,000 mortgage for one of our longer-term clients, who was going through a divorce, so she could buy out her husband and stay in the family home.

We secured two mortgages worth £2 million for a restaurateur with a gap in his trading figures due to an ongoing premises refurbishment, in addition to ensuring a remortgage for a client with a farmhouse and 25 acres of land. 

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

Evening Standard - New mortgage price war breaks out amid property market torpor

30th Oct 2025 • By Aaron Strutt

A new mortgage price war has broken out in the run up to the Budget as high street lenders fight to win business from nervous buyers in a subdued housing market.

Both HSBC and TSB have cut their rates on fixed deals twice in a week following falls in the swap market used to price loans. Other lenders to have pushed through cuts include Halifax, Santander, NatWest, Barclays and Skipton Building Society.

Aaron Strutt of brokers Trinity Financial said: “Swaps have come down so the lenders can afford to make their rates a bit cheaper. There have not been many real rate changes from the bigger banks for quite some time so the announcements from Barclays, HSBC and Santander that they are making price cuts is good news.

“TSB has announced its second round of rate cuts in a week which is pretty unusual. We are at the stage where the banks and building societies want more business but the property market is much slower which is undoubtebly linked to the uncertainty surrounding the Budget.

“NatWest has just lowered its rates and now has a two year fix at 3.77% and a five-year fix at 3.90% which isn’t bad. If the base rate comes down again in December, then rates may well get a bit cheaper.

“Nationwide must be about to reprice its rates too seeing as all of its main competitors have made rate improvements.”

Click here to read the story 

The Times - Four banks cut mortgage rates in fresh price war

27th Oct 2025 • By Aaron Strutt

Four of Britain’s six biggest banks have cut their mortgage rates in a price war triggered by good news on inflation.

Aaron Strutt from the mortgage broker Trinity Financial said: “We have been waiting for the lenders to start reducing their rates again for a while, especially as their funding costs have come down.

“Four big lenders announcing mortgage price cuts within days of each other clearly shows they want more business and we seem to have another mini price war as we start the run up to Christmas. The upcoming budget on November 26 is slowing down the mortgage and property markets pretty significantly and the banks are trying to incentivise borrowers to take their mortgages.”

Click here to read the full story £ 

The i - Hope for mortgages - with winter 2025 interest rate cut now back 'on cards'

22nd Oct 2025 • By Aaron Strutt

The chance of the Bank of England cutting interest rates before the end of the year has increased, in good news for mortgage holders.

Inflation in the year to September was revealed as being 3.8% which was lower than most economists expected. 

Aaron Strutt, product and communications director at Trinity Financial, added: “I suspect the base rate will come down in December and if it does, then mortgage rates may edge down a bit.

“Normally when we are heading towards the end of the year some of the bigger lenders lower their rates to attract business and it may well happen again over the coming weeks.”

Click here to read the full story £

Thisismoney.co.uk - Barclays cuts mortgage rates for home buyers with smaller deposits

25th Sep 2025 • By Aaron Strutt

Barclays has cut mortgage rates for home buyers with smaller deposits.

The high street bank is now offering the only sub-4 per cent deal on the market for someone buying with a 20 per cent deposit.  

Aaron Strutt, product and communications director at London-based Trinity Financial hopes the rate cuts will breathe some life back into the market.

He told Thisismoney.co.uk: 'Some of the best buy rates are coming back down again, which is welcome news given that more price hikes had been predicted. 

'Nationwide and Halifax have already lowered their prices so Barclays is probably reacting to their changes. The upcoming Budget seems to have taken some of the heat out of the property market, so once again rates need to drop to liven things up.'

Click here to read the full story 

Daily Mail - Nationwide cuts mortgage rates despite Bank of England's decision to hold

18th Sep 2025 • By Aaron Strutt

Mortgage rates are heading lower after Britain's biggest building society announced it's cutting rates.

From tomorrow, Nationwide will lower rates across some of its deals by up to 0.18 percentage points. It comes within hours of the Bank of England's decision to keep the base rate on hold at 4 per cent.  

'It is great to see Nationwide lowering rates again and offering two-year fixes from 3.8 per cent and five-year fixes from 3.94 per cent,' Aaron Strutt of mortgage broker Trinity Financial told the Daily Mail's money section.

'Most of the big lenders have been pushing up their fixes recently so this is a welcome reversal from the price hikes we have been seeing. 

'Many of Nationwide’s competitors will probably look at this move and wonder how they are improving their pricing, but as we know, Nationwide likes to top the best buy tables to increase competition in the market. There are still decent rates to choose from at the moment.'

Click here to read the full story. 

The Times - Mortgage lender bans the Bank of Mum and Dad

10th Sep 2025 • By Aaron Strutt

Newcastle Building Society has a new mortgage for first-time buyers — the only catch is that they cannot also be relying on the Bank of Mum and Dad.

The lender said the terms of its deal were designed to ensure that those who do not have the benefit of parental help have a chance of getting onto the property ladder.

Aaron Strutt from the mortgage broker Trinity Financial said the move was “highly unusual for a mortgage lender” and he knew of no other lenders imposing such restrictions.

Aaron added: “Lenders have been pushing for more first-time buyer business, and not all of them are going to have a 10 or even a 5 per cent deposit, so they need a bit more help. The rates can range quite substantially, so it’s not always worth taking the first low deposit offer you see.

“A lot of people benefited from those low-deposit deals years ago, so it doesn’t seem unreasonable to have them. But you need to have a good credit score, a decent income or a track record of paying rent — it’s not like it was before 2008 when pretty much anyone could get them.”

Click here to read the full story £

£1.3 million mortgage offer produced in six days for clients in bidding war to buy property

29th Oct 2025 • By Aaron Strutt

Trinity Financial's broker recently helped his clients to purchase a £1.8 million property in London by securing them a £1.3 million mortgage.

The couple were moving in together and in a rush to buy because they were in a bidding war with other interested parties who also wanted the property.

What did they do for a living? Finance director and Barrister. 

Did they have a complex situation? Both applicants owned their own residential properties with mortgages. They wanted to have a backup option in case the purchase fell through and they had buyers for their current homes.  

As part of the mortgage process and for mortgage affordability purposes, one residential property would remain in the background in case neither is sold before the joint residential property is purchased.

Were they in a rush to complete? They needed a quick offer due to an ongoing bidding war. They had found a fantastic property they both loved and were under pressure to get the purchase completed as quickly as possible.

Why did they need our help? Affordability and service. They wanted a competitively priced rate and a lender willing to issue a £1.3 million mortgage with one property in the background. Both work in high-pressure, time-consuming roles and wanted an expert to manage their mortgage applications from start to finish.

Did we struggle to find a lender? No. Both were employed at high salaries and had strong employment records and clear credit histories.

Was the mortgage on interest-only or capital repayment? Capital repayment to age 75 of the oldest applicant. There was also the option to make lump-sum overpayments to reduce the mortgage balance faster.

Was the rate particularly good?  A two-year fixed rate priced just over 3.90%.

Where did they get your details from? Referral from existing clients.

How long did it take to produce a mortgage offer? The mortgage application was submitted to a large bank on 5th August and was offered on 11th August.

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

£750,000 interest-only mortgage for first-time buyers keen to minimise their monthly costs

21st Oct 2025 • By Aaron Strutt

Trinity Financial recently helped two first-time buyers purchase their first home by securing them a competitively priced part-interest-only mortgage.

After finding our details online and calling us, they spoke to one of our advisers and stressed they wanted the lowest possible monthly costs and a long mortgage term.

Were they in a rush to complete?

Yes, they needed a quick process as the seller was moving abroad.

Why did they need our help?

They were keen to ensure they got the lowest possible £750,000 interest-only mortgage and wanted us to search the market for them. They also required a lender with a good reputation and excellent customer service ratings.

Did we struggle to find a lender?  

Our broker promptly sourced the most competitively priced five-year fixed rate, priced at just below 4.10%, with a £995 arrangement fee. 

After discussing the mortgage application with the lender's larger mortgage loan team, the case was agreed. Once the mortgage was submitted, an offer was produced within seven working days.

Was the mortgage on interest-only or with a longer term? 

Part interest-only and part capital repayment over a 30-year term. This way, some of the mortgage was going to be repaid each month rather than staying the same over the mortgage term. 

Was the rate particularly good?

Competitive considering the large interest-only element.

Was there anything else unusual? 

The couple had a large deposit being gifted to them by their family.

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

£500,000 transfer of equity divorce mortgage for client keen to stay in family home

16th Oct 2025 • By

Trinity Financial recently arranged a £500,000 mortgage for an existing client going through a divorce.

She was employed and part way through the divorce process, and needed to increase the mortgage to carry out a transfer of equity. She needed the additional funds to buy out her ex-partner and get his name removed from the mortgage and ownership of the property.

Our client required an income stretch and also for her capital repayment mortgage to be switched to interest-only to make the mortgage more affordable in the short term.

Why did they need our help?

This client was extremely keen to stay in their family home. She asked us to find her a lender to offer the required mortgage size and on affordable terms.

Trinity's broker found a lender offering competitively priced rates with generous affordability calculations, willing to provide the full £500,000. After the mortgage application was submitted, the money was offered within a week.

Was the mortgage on interest-only or capital repayment?

Yes, interest only, to help with affordability while the children are young.  We will review this at the end of the current five-year fixed-rate product to ensure they have a valid way to repay the debt or to devise a strategy.

Where did they get our details from?

This is an existing client.

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

Two mortgages totalling £2 million for restaurateur showing loses on accounts after closing for refurbishment

15th Oct 2025 • By Aaron Strutt

Trinity Financial recently helped our clients to secure a let-to-buy mortgage where they turned their existing home into a buy-to-let while releasing funds to put towards the purchase on a new build property.

What did they do for a living?

Restaurant owner but they had been closed for a refurbishment for seven months, so profits were significantly down.

They had found a new build house to buy with a short timescale initially and wanted two mortgages totally £2 million. They were concerned it would not be possible to raise so much money.

Why did they need Trinity's help?

They had been to other brokers who were unable to secure a let-to-buy on an unencumbered property as well as a mortgage for the new build purchase.

Trinity’s broker found a large building society that ignored the loss from 2024 and used an average of 2025 and 2023 to secure the deal. He also found lender to remortgage the old home to release cash and turn it into a buy-to-let. 

Did we struggle to find a lender?  

It was tricky getting this agreed due to the size of the loan as well as the business having a loss in the previous year.

Was the mortgage on interest only or capital repayment?

Interest-only on both mortgages. The let-to-buy mortgage was £500,000 and the new building mortgage was £1.5 million. 

Was the rate particularly good?

The buy-to-let mortgage and new building purchase mortgage were price just over 4%.

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

Another property with land mortgage secured for clients remortgaging house with 25 acres

15th Oct 2025 • By

Trinity Financial's brokers have a reputation for helping clients to buy or remortgage properties with lots of land, and here is another example of how we helped a couple release cash from their home with 25 acres. Over the years, we have built up an extensive list of lenders keen to lend on rural properties. 

Did they have a complex situation?

Our clients owned a farmhouse and it had 25 acres of land. It was unencumbered, so it had no mortgage, and they wanted to raise money for an extensive refurbishment. Many mortgage lenders will only go to 10 acres, but our broker was able to get them a market-leading rate with a bank that was happy with the 25 acres.  

Were they in a rush to complete?

Our clients were keen to access the remortgage funds so they could start the refurbishment work. The lender asked for a breakdown of costs to show roughly how the money would be spent.

Why did they need our help?

Their previous broker could not find a lender willing to provide the funds.  

Did we struggle to find a lender?  

No, even though a lot of research is involved. Some lenders do not lend on properties with outbuildings, grazing animals, or commercial agreements linked to the property or land. Still, this property did not have any of these, so it was a relatively straightforward application. 

Was the mortgage on interest-only or capital repayment? 

Capital repayment to ensure the mortgage was repaid by the end of the term.

Was the rate particularly good?

Yes, market leading.

Where did they get our details from?

They found our details via Google. 

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

£500,000 mortgage for British and American couple buying family home in London

15th Oct 2025 • By Aaron Strutt

Trinity Financial recently arranged a low-deposit mortgage for a couple buying a new family home in London.

They moved back to the UK from America two years ago and decided they wanted to buy a family home for their children.

One is a British citizen, and the other is an American citizen on a spousal visa.

They were borrowing just over £500,000 to purchase the £550,000 property.

Why did they need our help?

As one of the clients was American and on a spousal visa, they were unsure whether they could obtain a sufficiently large mortgage. 

Trinity Financial’s broker approached a lender with a strong track record of lending to Americans at competitively priced rates. 

What rate did they opt for?

They opted for a five-year fixed-rate at just over 4.25% for the payment security, but would have qualified for a two-year fixed rate.

Mortgage lenders often offer larger loan amounts when borrowers opt for longer-term rates.

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

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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020 7267 9399
WinkworthEnquiries@trinityfinancialgroup.co.uk
Whatsapp 077805 31022
Mortgage Questionnaire
155 Upper Street, Islington, London, N1 1RA

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 
  • Capital Home Loans
  • 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
  • Mansfield Building Society
  • Market Harborough Building Society
  • Marsden Building Society
  • Moda Mortgages
  • 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 Benson
  • Santander

Specialist partners 

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

We do not currently have access to:

  • Chelsea Building Society
  • First Direct
  • 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 questionnaire. Our 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

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Purchase price
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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.

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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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