Trinity secure access to Post Office Money’s mortgage range
Trinity Financial has secured access to Post Office Money’s mortgage range.
The lender is funded by Bank of Ireland and has a range of mortgages designed to help first-time buyers struggling to get on the property ladder.
Post Office's Family Link product is designed to help first-time buyers so they do not have to put down a deposit. The first part of the product is a 90% loan-to-value mortgage, the second part is an additional 10% mortgage secured against the parents’ property.
Foreign national and contractor mortgages
Post Office provide mortgages to foreign nationals without indefinite leave to remain. Applicants can have Tier 1 and Tier 2 visas and Ancestral visas up to 75% loan-to-value for both residential and buy-to-let mortgages.
The lender helps a range of contractors if their gross contracting income is at least £50,000 per annum. It will take 80% of the income for affordability purposes and requires a 12-month track record of trading.
Aaron Strutt, product director at Trinity Financial, says: “Post Office regularly offers competitively priced rates and it has some niche acceptance criteria.
“It accepts up to four applicants on a mortgage using two highest incomes and ignores season ticket loans and pension contributions for affordability purposes.
“The lender will also ignore service charges and ground rent even on new build properties and has a Retirement Link product to help older borrowers take mortgages up to the age of 90.”
Call Trinity Financial on 020 7016 0790 to secure a Post Office mortgage
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