Residential rate of the week - 24 March 2025 - Mortgages : Trinity Financial, Mortgage Brokers in London.

One of the lowest mortgage rates

Trinity Financial has access to a residential 3.96% five-year fixed rate for mortgages up to £2 million. Green Home mortgage.

For help securing a leading mortgage, call us on 020 7016 0790 or book a consultation.

Residential rate - for property purchases
Initial rate - 3.96% - How much will it cost?
Fixed for five years, ends on 30 June 2030
Deposit - 40%
Lender's standard variable rate - currently 6.49%
Arrangement fee - £899
Early repayment charges - Yes

APRC

The APRC applicable on this loan is 5.7%. The actual rate available will depend on your circumstances. Please ask for a personalised mortgage illustration.

Mortgage available on an interest-only and capital repayment.

Barclays representative example: A capital and interest mortgage of £400,000 payable over 30 years, initially on a fixed rate basis at 3.97% until 03/06/2030 and then 1.99% over the Bank of England base rate currently 6.49% for the remaining 25 years. The 3.99% rate would require 63 monthly repayments of £1,900.45 followed by 298 payments of £2,435.97. The total amount repayable would be £844,886.96 made up of the loan amount, plus interest (£) and £899 (product fee), £80 (final repayment charge), £35 (completion fee). The overall cost for comparison is 5.7% APRC representative.

Green Home Mortgage qualification criteria: These products can only be used to purchase a new build residential property with an Energy Efficiency Rating of 81 or higher, or an Energy Efficiency Band of A or B. Satisfactory evidence that the property has an Energy Efficiency Rating of 81 or higher, or has an Energy Efficiency Band of A or B, must be provided before the advance is made and shall be either: (a) a valid Energy Performance Certificate completed prior to the submission of your mortgage application ; or (b) a valid Predicted Energy Performance Certificate if the property build phase has not been completed.

Please note that we aim to update this page weekly. However, due to the increased number of fixed and tracker rate changes during turbulent financial times, this may not be possible.

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

Your home may be repossessed if you do not keep up repayments on your mortgage