London-based mortgage brokers with expert knowledge & professional service

Trinity Financial recently helped two high net worth clients secure a £1.5 million remortgage. They wanted to raise £300,000 to fund home improvements and access an early repayment charge free tracker rate.

The Italian couple wanted to remortgage away from a well-known private bank with which they had been long-term customers to secure a more competitively priced and flexible rate. They planned to make lump sum overpayments using their bonuses.

They had a grade 2 listed home in Bayswater worth just over £3.75 million and wanted their new mortgage to be on interest-only. The couple required a two-times salary income multiple and already owned a buy-to-let property.

How did we help?

After reviewing the mortgage enquiry, Trinity's broker knew the clients would have a good choice of banks and building societies offering £1 million+ mortgages. She just needed to find the lender with the most attractive terms.

She approached one of the largest mortgage lenders offering leading customer service and some of the most competitively priced Bank of England base rate trackers. The bank recently returned to the flexible variable rate market with a range of trackers without early repayment charges.

How long did it take to get the mortgage agreed?

Trinity’s broker spoke to the bank's large mortgage loan underwriter team, and they approved the application over the phone subject to a satisfactory property valuation. Once our client had provided us with the forms and supporting documentation we needed, the property was valued, and the mortgage offer was produced within a very prompt five working days. 

Trinity Financial recently arranged a £650,000 remortgage for a couple who wanted to raise £250,000 on top of their existing mortgage to pay their three children’s private school fees.

The finance director and marketing professional were coming to the end of their fixed rate with a large bank. They wanted to raise additional funds to pay their private school fees before the additional VAT hike was introduced. 

Did they have a complex situation?

When they asked their existing lender if they could raise the additional funds as part of the rate switch process, they went through a mortgage affordability check. The assessment included the full monthly repayments of the school fees rather than the repayments due after the lump sum was paid, which meant they could not borrow the required amount.

Why did they need our help?

Our clients wanted us to help them secure a new rate while raising the £250,000 using their basic salary plus bonus income. Another issue was that most lenders would not advance the funds for school fees without repaying the balance, even though the remaining amount owed to the private school was relatively small. Their house was built in the 1700s, which is too old for some lenders, especially as more lenders prefer lending to borrowers with energy-efficient homes.

How did Trinity’s broker help?

Trinity’s broker assessed the mortgage market to find a lender willing to offer the full £650,000 with a small balance remaining to be paid for school fees. 

After contacting a long list of lenders, she found one willing to provide the entire loan amount without requiring an Energy Performance Certificate. They asked for a letter from the school to confirm that the school fees could be paid in a lump sum. 

The mortgage offer was produced in under three weeks after the property was valued at £1.25 million.  

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 0808 1642174 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

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 0808 1642174 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

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 0808 1642174 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

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 0808 1642174 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

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 0808 1642174 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.