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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

Mortgage lending set to rise to next year as NatWest launches 4.07% fix

16th Dec 2024 • By Aaron Strutt

Major mortgage lenders have been improving their fixed rates as they continue to compete for business and try to meet their end-of-year sales targets. 

Santander, HSBC, NatWest and a host of smaller lenders have lowered their fixed rates recently, so we are getting closer to seeing a sub-4% mortgage again. We expect more mortgage price reductions over the coming weeks, even though it is unlikely there will be a cut to the Bank of England base rate before Christmas. 

NatWest has launched the most competitively priced five-year fix at 4.07%, and it is available to homebuyers borrowing between £25,000 and £2 million. There is a £1,495 arrangement fee, and applicants will need a 40% deposit to qualify. Santander also has a two-year fix priced just over 4.2% with a £999 fee for borrowers with larger deposits and a clear credit history.

Significant changes have been made to the stress test figures used in the lender's mortgage affordability calculations to work out maximum loan sizes, leading to borrowers accessing more generous loan sizes.

Halifax has also started offering larger loans to borrowers buying homes with high Energy Performance Certificate ratings. 

More mortgages are set to be issued next year

UK Finance, the trade association for the UK banking and financial services sector, has published its housing and mortgage market forecasts for 2025, predicting gross mortgage lending will be up 11% on this year, hitting £260bn. House purchase lending is also expected to rise by 10% to £148bn.

The product transfer market, where homeowners switch rates with their existing lender rather than remortgage to another lender, is set to increase by a whopping 13% to £254bn.

With rate and cost pressures set to ease, the outlook for 2025 is for a gradual improvement in mortgage affordability, feeding into market growth. As interest rates tick down, UK Finance expects arrears to continue to fall, with tailored forbearance helping those who need it.

How much would NatWest's 4.07% fixed mortgage cost?

Representative example: A capital and interest Natwest mortgage of £350,000 payable over 30 years, initially on a fixed rate basis at 4.07% until 30/04/2030 and then on the lender's 7.74% standard variable rate for the remaining 25 years. The 4.07% rate would require 63 monthly repayments of £1,685.11 followed by 297 payments of £2,385.77. The total amount repayable would be £815,760.62 made up of the loan amount, plus interest (£464,734.62) and £995 (product fee), £65 (final repayment charge), £30 (completion fee). The overall cost for comparison is 6.5% 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

UK's biggest lender to offer larger mortgages on energy-efficient homes

11th Dec 2024 • By Aaron Strutt

Halifax for Intermediaries is starting to use the Energy Performance Certificate ratings (EPC) on flats and houses to determine the maximum mortgage loan size.

Halifax says the EPC ratings will help the bank reflect the impact of home energy costs and some of the financial benefits of more energy-efficient homes. 

A customer whose property has a higher EPC rating, say A or B, will generally have lower energy costs than those with a lower EPC rating. This means that due to the way mortgage affordability rules work, Halifax expects borrowers will have more disposable cash so they can borrow more. They also have to spend less in the future to improve their property's energy efficiency.   

Mortgage applicants may see a slight increase in the maximum loan amount available for properties with an A or B Energy Performance Certificate rating and a slight decrease for properties with an F or G rating. The bank says there is no change to the maximum loan amount available for properties with a C, D, or E EPC rating or where the EPC is unknown.

Aaron Strutt, product director at Trinity Financial, says, "Mortgage lenders have been doing more to tempt borrowers with cheaper rates if they have an A, B, or C energy efficiency rating. They do not usually offer to lend them more money. Halifax's move isn't great for borrowers buying older or energy-efficient homes, but other lenders may start doing something similar next year. 

"Within the Halifax mortgage affordability model, assumed ‘cost of living’ values are already incorporated, which include energy costs. The new adjustment reflects a more tailored view of these costs." 

Halifax says it will continue to support customers looking to improve the energy efficiency of their properties with its Green Living Reward cashback proposition and partnerships with heat pumps, solar panels, and insulation installers. The lender offers £2,000 cash back when adding an air—or ground-source heat pump and £500 cash back when installing a biomass pellet boiler or solar thermal heating system.

The bank also offers cash back for solar panels, insulation, and rated double/triple glazing when replacing single glazing. Customers must open a Halifax current account to qualify, and there are time constraints for claiming the cashback. 

Rightmove's Greener Homes Report 2024

Rightmove's Greener Homes Report 2024 outlines the current obstacles and suggests ways to accelerate the transition to a greener housing stock. It also looks at the emergence of a ‘green wealth divide’, the impact of the new government’s 2030 EPC targets for rental homes, and the things that could be done to help households go greener.

The report highlights: 

  • At least 18 million homes—over half of all housing stock—need improvements to reach an EPC rating of C, which would cost over £196.7 billion, around £10,907 per household.
  • 50% of properties valued over £1 million have significantly improved their rating since their last EPC, compared to only 32% of properties valued under £400,000.
  • In the rental market, an estimated 2.9 million properties need to be improved to reach an EPC C rating, which will cost £23.4 billion—around £8,074 per property for a landlord.
  • Half of landlords (50%) are concerned that the government will introduce costly charges for not meeting EPC 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 

Santander follows Barclays, TSB and NatWest by improving mortgage rates

11th Dec 2024 • By Aaron Strutt

A growing number of high-street lenders are cutting the price of their mortgage deals.

Santander for Intermediaries, the UK's fourth largest mortgage lender, is the latest big bank to announce it will lower many of its fixed rates. The lender will improve selected standard residential rates across its property purchase, remortgage, and existing customer ranges by up to 0.23%. It will also improve its green home products suitable for properties with good Energy Performance Certificate ratings.

Late last week, Barclays, TSB, NatWest, and Coventry Building Society all announced price reductions to their mortgage rates. NatWest cut its two—and five-year fixed-rate mortgage products by up to 0.16%.

NatWest's lowest five-year fixes now start from 4.1%, making them some of the most competitively priced deals for borrowers with larger deposits. These rates have £1,495 arrangement fees, and they are available to applicants looking to raise between £25,000 and £2 million.

Coventry Building Society also announced a price reduction on all fixed-rate mortgages, including cuts of as much as 0.26% on residential deals. Its buy-to-let rates also decreased by up to 0.25%.

This was quickly followed by Barclays, which said from Tuesday, December 10 it will cut its residential purchase and remortgage five-year fixed rates by up to 0.14%.

Aaron Strutt, product director at Trinity Financial, says: “There has been a huge amount of mortgage rate changes this year with lenders putting their rates up and down. Mortgage pricing has edged but prices are coming down again.

“We suspect the banks and building societies will want to have a busy start to 2025, which means their mortgage rates will need to be as keenly priced as possible.”

Santander has also reduced its residential affordability rates to help applicants secure more generous loan sizes. This figure is used in its mortgage affordability calculation and follows the Bank of England's base rate decrease in November.

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

Leeds launch first-time buyer plus mortgages providing up to 5.5 times salary income multiples

10th Dec 2024 • By Aaron Strutt

Leeds Building Society has released a mortgage that will lend up to five-and-a-half times income multiples to first-time buyers, potentially boosting loan amounts by £66,000.

The Income Plus mortgages are available to first-time buyers with a minimum household income of £40,000 and offer higher loan-to-income ratios of up to 5.5 times their earnings, compared to 4.5 times on the society’s standard lending.

Leeds Building Society expects these changes will allow the average first-time buyer to borrow a maximum of £356,000 through Income Plus, compared to £290,000 under its standard lending.

Single and joint borrowers, including self-employed, are eligible for Leeds Income Plus mortgages, provided they have a 5% deposit. Applicants will need a 15% deposit to purchase a new-build flat. They can also be combined with the society’s existing green affordability benefit, which enhances the affordability of a new-build home with an Energy Performance Certificate of A or B.

Aaron Strutt, product director of Trinity Financial, says, "It is good to have another lender offering enhanced mortgage income multiples to first-time buyers. Halifax and Barclays are two of the biggest lenders offering enhanced income multiples to first-time buyers.

“By combining a high loan to value and loan to income with generous affordability modelling, Leeds is helping first-time buyers overcome some of the main barriers facing would-be homeowners: earnings being outstripped by house prices and the difficulty of saving a large deposit.”

What are the Leeds first-time buyer plus mortgage rates?

Rates on the seven Income Plus mortgages range from 4.40% for borrowers with a 25% deposit, rising to around 5.20% with a 5% deposit. The rate increases depending on the size of your deposit. All mortgages are fixed for five years and include a standard home valuation survey. Arrangement fees range between £0 and £999.

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 

Nationwide still offering 4.17% two-year fixed mortgage and sub-4.10% five-year fixes

7th Dec 2024 • By Aaron Strutt

The scale of mortgage rate increases has slowed over the last few weeks following the fixed rate price hikes brought on by the Budget and rising inflation.

Nationwide for Intermediaries offers a two-year fixed-rate mortgage at 4.17% and the lender has a five-year fix at just below 4.10%. These rates undercut many of the other big banks and building societies.

Nationwide’s most competitive rate is 4.17%, 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 4.10% 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 been edging up recently, and while they are more expensive, they still offer reasonable value for money. The lender is also offering some borrowers fast mortgage offers and one of our clients received an offer in 30 seconds.  

"It seems unlikely the Bank of England base rate will come down again following the inflation rate going up, but this doesn't mean fixed rates won't come down again early next year."

Representative example: A capital and interest Nationwide mortgage of £1,000,000 payable over 30 years, initially on a two-year fixed rate basis at 4.17% for two years and then on the lender's 7.49% standard variable rate for the remaining 28 years. The 4.17% rate would require 24 monthly repayments of £4,872.68 followed by 336 payments of £6,873.27. The total amount repayable would be £2,427,942.04 made up of the loan amount, plus interest (£1,426,361.35) and £1,499 (product fee), £65 (final repayment charge), £15 (completion fee). The overall cost for comparison is 7.1% 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

How much of a deposit do you need to buy a £500,000 property?

6th Dec 2024 • By Aaron Strutt

Trinity Financial has access to various lenders offering 5% and 10% deposit mortgages for borrowers purchasing £500,000 properties. The larger mortgage providers, including Halifax and Nationwide for Intermediaries, typically offer the most competitively priced rates. 

Aaron Strutt, product director at Trinity Financial, says: “It is possible to secure lower deposit mortgages to buy £500,000 properties, but it is subject to mortgage affordability and credit scores. There is much more choice in the mortgage market now, and lenders are developing schemes to lend more money while helping borrowers get onto the property ladder.

"To access the most competitively priced rates, borrowers typically need a 40% deposit for the lowest rates currently around 4.10%, but with a 5% deposit, mortgage through five-year fixes are priced just over 5%.”

Assessing your financial position

Before applying for a mortgage, you will need to understand your overall financial situation and how the lenders assess applications:

• Income requirements: Lenders typically offer four to six times your annual income for a mortgage. For a £450,000 mortgage, you’ll likely need a single or joint income of £82,000 to £112,500 annually (depending on other factors like debts and outgoings). Some building societies offer 5.5 times salary or six times salary mortgages to first-time buyers. 

 Credit Score: Ensure your credit score is excellent, as large mortgages often require top-tier creditworthiness. Before you apply for a mortgage, it is worth getting a copy of your credit report and ensuring there are no errors or potential issues. 

We are speaking to more people with credit blips, which means they struggle to get mortgages through high-street lenders. Some banks and building societies accept applications from borrowers when they can explain what happened or when they have more minor issues. 

• Affordability Assessment: Lenders evaluate your monthly expenses, including existing debts, household costs, and dependents. They typically want to see bank statements, payslips, tax returns, and company accounts if you are self-employed. 

The mortgage loan size will be reduced if you have credit cards, loans, cars on finance, or private school fees. 

Types of mortgages

For a £500,000 property purchase, consider the following mortgage options:

• Repayment mortgage: You repay both interest and capital monthly. This is best if you want to own the property at the end of the term. Many lenders allow up to 10% of the mortgage to be repaid each year without charge, and some lenders allow 20% overpayments.  

Part interest-only mortgage: You pay part of the interest and part of the capital balance each month. This keeps monthly payments lower, although borrowers need to have a plan to repay the interest-only balance at the end of the term, as it will stay the same.

• Fixed-Rate Mortgage: Your interest rate is fixed for a set period (e.g., two, five, or 10 years). This type of mortgage is good for stability. Most borrowers opt for two—or five-year fixes, and the price difference between these rates has reduced in recent months. 

• Variable-Rate Mortgage: Interest rates fluctuate with the market and Bank of England base rate changes. Options include trackers (linked to the Bank of England base rate) or standard variable rates (SVRs). Some lenders offer variable rates without early repayment changes.

Additional Costs Beyond the mortgage itself, consider these costs:

• Stamp Duty: For a £500,000 property in England, Stamp Duty is around £12,500 (assuming it’s your primary residence). The amount of Stamp Duty you pay will vary depending on whether you are buying your first home, moving up the property ladder or buying a second property. Click here to use our Stamp Duty calculator. 

• Legal Fees: Solicitors typically charge £1,500–£3,000 for conveyancing. Many of Trinity's clients use SAS Daniels solicitors. 

• Valuation and Survey: Expect to pay £500–£2,000, depending on the survey type. Mortgage lenders often provide a free standard property valuation, which does not include a detailed survey. They often rely on their IT systems to value a property rather than sending a valuer to inspect it. If you want a thorough inspection, you need to appoint a firm. We have Alexander Lyons on our partners' page. 

Call Trinity Financial on 020 7267 9399 to secure a mortgage, book a consultation, or complete our mortgage questionnaire. 

The information contained within was correct at the time of publication but is subject to change.

Your mortgage is secured on your property. Your property may be repossessed if you do not keep up repayments on your mortgage

The Telegraph - Mortgage price war erupts ahead of Christmas

16th Dec 2024 • By Aaron Strutt

Major mortgage lenders are cutting rates as they enter an end-of-year price war to hit sales targets.

NatWest, Santander and Barclays lowered rates last week despite expectations the Bank of England will hold its benchmark Bank Rate steady during its final decision of the year on Thursday.

Aaron Strutt, product director at Trinity Financial, told the Telegraph: "Rates have been falling in recent weeks and it seems pretty likely that we will get sub-4% rates in January. The lenders will want to have a busy start to the year and they know they will need to lower rates to tempt borrowers to take their mortgages, especially given the fierce competition between the banks and building societies."

Click here to read the full story £ 

 

 

The Times - Why you may be paying too much for your mortgage

7th Dec 2024 • By Aaron Strutt

Scott has picked up an extra 50 hours of work in December — not because he needs the money for Christmas, but so that he can afford to pay his mortgage. He is moving home and waiting for his new home to complete. 

Borrowers may not realise how easy it is to switch from an SVR because, unlike a fixed rate, there are normally no exit fees to pay.

“If you’re on an SVR, you’ll no doubt be paying an absolute fortune on your mortgage, so you should look at other options,” said Aaron Strutt from the mortgage broker Trinity Financial.

Click here to read the full story £

Mirror - Halifax making big change to mortgages this week - what it means for you

7th Dec 2024 • By Aaron Strutt

Halifax will be making a huge change to how it works out mortgage affordability this week.

From Tuesday, December 10 the high street lender will start using a property’s Energy Performance Certificate (EPC) rating in its mortgage affordability calculations. Even though Halifax already incorporates cost of living information into its affordability model, the change will "better reflect" the impact of home energy costs on disposable income.

Trinity Financial product and communications director Aaron Strutt commented: “This is a big move from Halifax that other lenders may well follow. It will cost an absolute fortune to make many properties more energy efficient but there are more options to help secure funding to carry out work.

“Adjusting the mortgage loan size is a new ploy that will force many borrowers to improve their property. Some lenders already insist homes have an A or B rating to access the cheapest deals, but they don’t reduce the amount they can borrow.”

Click here to read the full story 

Mortgage Strategy - Halifax includes EPC ratings in maximum lending calculations

6th Dec 2024 • By Aaron Strutt

Halifax will include energy performance certificate ratings when setting maximum lending amounts for borrowers.

The lender says a home’s energy efficiency “has an impact on energy bills which, in turn, has an impact on disposable income”.

Trinity Financial product and communications director Aaron Strutt says: “Banks and building societies have been using discounted mortgage rates or cash back to incentivise people to make energy efficiency rating improvements, so adjusting the amount applicants can borrow based on the energy performance certificate rating is new.

“The previous government put many lenders under pressure to do more to ensure our housing stock is more energy efficient and they have been working out what to do.

“This is a big move from Halifax that other lenders may well follow. It will cost an absolute fortune to make many properties more energy efficient but there are more options to help secure funding to carry out work.

“Adjusting the mortgage loan size is a new ploy that will force many borrowers to improve their property. Some lenders already insist homes have an A or B rating to access the cheapest deals, but they don’t reduce the amount they can borrow.”

Click here to read the full story 

Thisismoney.co.uk - How much will stamp duty cost first-time buyers from April - and can they still buy a home before it kicks in?

5th Dec 2024 • By Aaron Strutt

Thisismoney.co.uk reports the Government has 'turned its back' on first-time buyers according to property experts, with stamp duty costs set to skyrocket from 1 April next year.

Aaron Strutt, product and communications director at mortgage broker Trinity Financial says: "Buyers will need to find a property with either no chain or a less complex one and choose a good solicitor. 

"Mortgage lenders normally take between two and three weeks to provide an offer and confirm how much they will lend and that the property is suitable. The legals and property searches can take a lot longer."

Click here to read the full story 

The i - How you can protect your money ahead of more inflation rises

20th Nov 2024 • By Aaron Strutt

Inflation has increased this week, and most economists expect it to continue climbing upwards throughout the rest of the year and at the start of 2025.

Brokers say that to protect yourself from future rises, if you’re coming up to the final few months of your mortgage deal, it may be worth trying to lock in a new rate, in case of future rate increases. You can then switch to a cheaper deal if rates do come down.

Aaron Strutt of Trinity Financial said: “If your mortgage is due for renewal soon, find out the rates your lender is offering you to stay and consider locking into one. It is worth double-checking that you can switch or change the rate without paying a fee if mortgages come down and you spot a better deal. The lenders do have different rules.”

He said that although rates had gone up a little recently, some of the cheapest rates still offered “reasonable value” and that there was still a chance rates could fall next year.

“Many lenders are still expecting the Bank of England base rate to come down quite significantly next year, and if it does, fixed rates will probably be cheaper,” he added.

Click here to read the full story £

£700,000 mortgage for first-time buyers with 10% deposit

17th Dec 2024 • By Aaron Strutt

Trinity Financial recently arranged a £700,000 mortgage for two first-time buyers purchasing a £800,000 property.  

The couple had been renting and decided it was a good time to get on the property ladder. After finding a four-bedroom house in London to purchase, they had their offer accepted and needed a fast mortgage. Mainly because they were keen to complete their purchase before the stamp duty deadline.

After finding Trinity's contact details online, they also wanted to get expert mortgage advice.

Did they have a complex situation?

Our clients work in the financial sector, have good salaries, and do not have any debts or children. One of the applicants had settled status as they were German, and they both received bonus income. They required a 4.5 times salary income multiple.

Was the rate particularly good?

Trinity's broker arranged a five-year fixed rate of just over 4.5%. Like many borrowers taking a longer-term fix, they wanted payment security. Our broker amended their rate twice because it came down after the mortgage offer was issued.

Life insurance and income protection 

After assessing our client's existing financial protection policies, which they had arranged directly with a large insurance provider, our specialist broker realised their income protection policy had been set up incorrectly.

After advising our clients to ask for clarification from their insurance provider that it would pay out in the event of a claim, they spotted the error. The provider agreed to refund 12 months' worth of monthly premiums. Our broker then arranged a life insurance and income protection policy to cover them in the event of a death or critical illness.

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

£350,000 home mover mortgage offered by bank in one minute

15th Dec 2024 • By Aaron Strutt

Trinity Financial recently arranged a super quick £350,000 mortgage using a well-known lender offering competitively priced rates.

Our clients had sold their home and had a large deposit to put towards their new £700,000 property purchase.

Did they have a complex situation?

They are both employed and working in the financial sector. They also received annual bonuses.

They wanted a mortgage lender to offer them a competitively priced rate, as they had a large deposit and did not need an income stretch to meet the affordability rules.

Was the rate particularly good?

Trinity's broker arranged a five-year fixed rate of just over 4.25%. Like many borrowers taking a longer-term fix, they wanted payment security.  

How long did it take to produce the mortgage offer?

Trinity’s broker applied to a bank that recently upgraded its online system, enabling it to provide faster mortgages. In this case, the mortgage offer was produced in less than a minute!

As our clients were considered low-risk, had good incomes, and purchased a property without quirks, the lender produced a fast mortgage offer. It automated the checking process, so our clients' income and credit checks were confirmed online, along with the property valuation. This streamlined the process so a mortgage underwriter did not need to assess it.

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

Capital raising mortgage to secure funds to finish £1 million self build property

10th Dec 2024 • By Aaron Strutt

Trinity Financial recently arranged a £400,000 mortgage for a client who had just finished building his house.

The property was in a rural location, was worth over £1 million, had an energy performance certificate rating of B, and had two acres of land.

While the house was finished and watertight, our client needed to raise funds to pay for the landscaping. He also wanted to build an outhouse and swimming pool.

Did they have a complex situation?

Our client was employed with strong company accounts, and his income was from his family business. We were using his salary and dividends to prove his income.

As the property was newly built and in a rural location, some lenders felt it would be difficult to sell if they needed to recoup their funds. As the property had a newbuild warranty, some lenders were also not keen to issue a mortgage so quickly as it had just been finished.

Trinity's broker researched the market and found a leading building society happy with our client and the property, particularly as it was at such a low loan-to-value. 

Was the rate particularly good?

After approaching several lenders and finding a suitable provider, Trinity’s broker secured a five-year fixed rate of around 4.25% with a £995 arrangement fee.

How long did it take to produce the mortgage offer?

The mortgage offer was produced within three weeks. The lender's valuer thoroughly inspected the property, and we had to provide the building certificates.

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

£2 million mortgage for barristers buying new family home

18th Nov 2024 • By Aaron Strutt

Trinity Financial recently arranged a £2 million mortgage for two barristers buying a new family home in Islington. The couple were self-employed and had a £800,000 deposit to put towards the property purchase. 

They worked for a leading London Chamber specialising in commercial, employment, and international law.

Did they have a complex situation?

Our clients had a long track record of self-employed income, which had fluctuated over the years, depending on the number and profile of the cases they worked on. They had a clear credit history and had already sold their existing property to release the equity and fund the onward purchase. 

They needed a five-time salary income multiple and requested a competitively priced two-year rate with the option of making lump sum overpayments. 

How did we help?

Trinity's mortgage adviser researched the market and approached a bank offering the most competitively priced two-year fixed rate. 

The lender offered mortgages up to 5.5 times salary as standard for self-employed borrowers earning over £100,000 taking larger mortgage loans. The bank also allowed up to 10% of the mortgage balance to be overpaid each year without charge.

After submitting the case, the lender offered the required five times salary income multiple and produced a mortgage offer within ten working days.

Was the rate particularly good?

Trinity's broker arranged a two-year fixed rate of just over 5%. Like many borrowers taking a shorter-term fix, they hope to swap to a cheaper deal if rates come down.

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

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.

£670,000 mortgage for first-time buyer keen to make lump sum overpayments

10th Nov 2024 • By Aaron Strutt

Trinity Financial recently arranged a £670,000 mortgage for a first-time buyer purchasing an £800,000 property.

He worked as a technical manager at a bank and was keen to make lump sum overpayments using his bonuses while still having the security of a fixed rate.  

Did he have a complex situation?

Our client was looking for a five-times salary income multiple. He was employed, had a track record of his income, and had a good idea of his preferred lenders.

He wanted a mortgage with a more generous overpayment facility than the standard 10% allowance to reduce the outstanding balance quickly. He also wanted a competitively priced two-year fixed rate.

How did we help?

Trinity's mortgage adviser researched the market and confirmed that the lender our client considered using was offering the most competitively priced rates. The bank recently increased its overpayment facility, so 20% of the mortgage balance could be overpaid in a year.

After submitting the case, the lender offered the required five times salary income multiple and produced a mortgage offer within five working days.

Was the rate particularly good?

Trinity's broker arranged a two-year fixed rate of just over 5%. Like many borrowers taking a shorter-term fix, they hope to swap to a cheaper deal if rates come down.

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

Offset mortgage for first-time buyer using trust fund income to buy £1.4 million property

18th Oct 2024 • By Aaron Strutt

Trinity Financial recently arranged a £500,000 mortgage for a first-time buyer purchasing a £1.4 million property.

Our client received income via a trust fund in addition to his salary and he also asked for an offset mortgage.

Did he have a complex situation?

The trust fund income was around £35,000 per annum, and he needed to use it to raise a sufficiently large mortgage. He required a five-times salary income multiple, and he had £100,000 in savings, which he was planned to offset against the mortgage.

Quite a few lenders do not accept investment or trust fund income for mortgage affordability, and even fewer lenders offer offset mortgages. 

How did we help?

Trinity's mortgage adviser approached a broker-only lender with a reputation for common-sense lending, which offers a range of offset mortgages. The lender quickly agreed to use the trust fund income and offer a five-times salary mortgage, subject to the required supporting documents being uploaded to the building society's broker portal.

This lender offered some of the most competitively priced offset mortgages and was one of our only real options. Our client attempted to get an offset mortgage directly from a different lender but could not get it approved.

Was the rate particularly good?

Trinity's broker arranged a two-year offset fixed rate priced at just over 4.5% with a £995 arrangement fee. Like many borrowers taking a shorter-term fix, they hope to swap to a cheaper deal if rates come down.

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

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

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Please state your school or childcare fees, if applicable
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Other Services

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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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