How long does it take a lender to produce a mortgage offer?  

Trinity Financial has access to the decision in principle systems the banks and building societies provide to confirm whether borrowers qualify for a mortgage or not.

Once our brokers have spoken to borrowers to find out about their financial situations and they have supplied the income confirmation we require, we can submit an agreement in principle very quickly. Often on the same day.

The lenders provide three options for a decision in principle, including accept, decline or refer. If an application is referred or declined, our advisers will work to understand what has happened, especially if the alternative options are limited. 

Once a decision is accepted, we can submit a complete application and instruct the property valuation.

It is typically far quicker to get a mortgage through a specialist broker like Trinity Financial rather than visit bank branches or apply over the phone.

We constantly speak to borrowers who have been to their bank or building society, sat through lengthy video consultations, only to be told they do not qualify or cannot borrow enough money. Many buyers also get fed up with waiting for the mortgage offer, especially when they get closer to their exchange date.

Trinity FInncial's experts will assess the market to ensure you get the best rate depending on the size of your deposit and find a lender to provide you with the amount you need to buy a property or refinance. 

Trinity Financial's brokers have access to specialist contacts at many of the biggest banks and building societies, as well as private banks and niche lenders.

These contacts help us to get mortgages agreed quickly and efficiently. In some cases, we even get borrowers the mortgage they need when they fall outside of the lender's standard qualification criteria.