Trinity Finance

29/08/2026

Shared ownership offers an affordable way to buy a home. It enables you to buy a share of a property and pay rent at a discounted rate on the remaining share.

There’s a smaller deposit requirement compared with buying a home outside of the scheme. This is because it’s based on the value of the share you’re buying rather than the full property value. Therefore, it’s much easier to save a deposit.

The mortgage you take out is also only based on the share you want to buy, rather than the full value of the property. This makes it easier to pass a lender’s affordability checks.

But what if you’re still struggling to afford to buy a home, even via this scheme?

Can you combine this scheme with another method to help cover your deposit or pass the affordability checks? For example, can you get a guarantor mortgage with shared ownership?

Read our blog post to find out:

https://www.trinityfinance.co.uk/can-you-get-a-guarantor-mortgage-with-shared-ownership/

Trinity Financial Ltd Registered Company Number: 09621298 Registered in England and Wales. Registered Office: Trinity Financial Ltd, 72 – 74 Upper Wickham Lane, Welling, Kent DA16 3HQ. Trinity Finance is a trading name of Trinity Financial Ltd, which is authorised and regulated by the Financial Conduct Authority. FCA: 793667. The FCA does not regulate most buy-to-let mortgages.

Think carefully before securing other debts against your home. Your home or property may be repossessed if you do not keep up with repayments on your mortgage.

A fee of up to 1% of the mortgage amount may be charged depending on individual circumstances. A typical fee is £595.

Shared ownership offers an affordable way to buy a home. It enables you to buy a share of a property and pay rent at a discounted rate on the remaining share. There’s a smaller deposit requirement compared with buying a home outside of the scheme. This is because it’s based on the value of the.....

19/08/2026

UK inflation has increased to 2.9% in the year to July, up from 2.6%. This is the highest rate for 4 months and is predominantly a result of higher energy prices.

The next review of the Bank of England’s base rate is to be held on 17th September. Currently sitting at 3.75%, economists aren’t expecting it to change just yet, despite the increase in inflation.

Further energy-related costs, however, are expected to push inflation higher later in the year. There are also concerns that food price inflation may rise as a result of the current drought. If crop yield shortages continue and agricultural costs increase, these higher costs may eventually be passed on through supermarkets. And there are still concerns about the ongoing Middle East conflict.

For now, though, a weak labour market may be adequate to keep the base rate as it is rather than hiking it in an attempt to reduce inflation.

We can explore the mortgage options available to you:

Whether your deal is coming to an end, you want to get a foot on the property ladder, you’re wondering whether there’s a better rate or you need to restructure your portfolio, we’re here to review your options.

As independent mortgage brokers, we’re not tied to specific lenders so we have access to a wide range of products. Just give us a call on 01322 907 000 and our friendly brokers will discuss your situation and compare the deals that meet your needs.

Trinity Financial Ltd Registered Company Number: 09621298 Registered in England and Wales. Registered Office: Trinity Financial Ltd, 72 – 74 Upper Wickham Lane, Welling, Kent DA16 3HQ. Trinity Finance is a trading name of Trinity Financial Ltd, which is authorised and regulated by the Financial Conduct Authority. FCA: 793667. The FCA does not regulate most buy-to-let mortgages.

Think carefully before securing other debts against your home. Your home or property may be repossessed if you do not keep up with repayments on your mortgage.

A fee of up to 1% of the mortgage amount may be charged depending onindividual circumstances. A typical fee is £595.

15/08/2026

You may be thinking about buying a property with another person or perhaps you’ve got a family member who’s willing to help you out with your mortgage.

Different types of mortgages in joint names can be used – a joint mortgage or a joint borrower sole proprietor (JBSP) mortgage – but both types are very different.

So, which one should you use for which scenario? How exactly do joint mortgages differ from JBSP mortgages?

Read our blog post to find out:

https://www.trinityfinance.co.uk/how-do-joint-and-jbsp-mortgages-differ/

Trinity Financial Ltd Registered Company Number: 09621298 Registered in England and Wales. Registered Office: Trinity Financial Ltd, 72 – 74 Upper Wickham Lane, Welling, Kent DA16 3HQ. Trinity Finance is a trading name of Trinity Financial Ltd, which is authorised and regulated by the Financial Conduct Authority. FCA: 793667. The FCA does not regulate most buy-to-let mortgages.

Think carefully before securing other debts against your home. Your home or property may be repossessed if you do not keep up with repayments on your mortgage.

A fee of up to 1% of the mortgage amount may be charged depending on individual circumstances. A typical fee is £595.

You may be thinking about buying a property with another person or perhaps you’ve got a family member who’s willing to help you out with your mortgage.

04/08/2026

A productive monthly team meeting today at Trinity Finance. 🎯

Trinity Financial Ltd Registered Company Number: 09621298 Registered in England and Wales. Registered Office: Trinity Financial Ltd, 72 – 74 Upper Wickham Lane, Welling, Kent DA16 3HQ. Trinity Finance is a trading name of Trinity Financial Ltd, which is authorised and regulated by the Financial Conduct Authority. FCA: 793667. The FCA does not regulate most buy-to-let mortgages.

Think carefully before securing other debts against your home. Your home or property may be repossessed if you do not keep up with repayments on your mortgage.

A fee of up to 1% of the mortgage amount may be charged depending on individual circumstances. A typical fee is £595.

30/07/2026

The latest base rate announcement has confirmed that it has remained at 3.75%. This is the fifth consecutive time it has been held at 3.75% after it was reduced from 4% in December.

This decision was expected as the Bank of England is carefully balancing lingering inflation risks against a fragile economic recovery.

The decision to hold the base rate has created a split impact on mortgage rates. Tracker and other variable rates are usually linked to the base rate and, as such, will remain the same. Existing fixed-rate deals will also be unaffected as the rate you pay is locked in until your fixed term ends.

However, the rates for new fixed-rate deals are determined by swap rates. Inflation is expected to rise again and, with it, the likelihood of future interest rate increases. As such, these will be priced into swap rates.

Swap rates have already begun rising and some major lenders have started to increase selected fixed-rate deals as a result.

If interest rates do increase in the future, tracker and other variable rates will also increase. Be prepared for this if you’re already paying this type of rate.

If you have a fixed-rate deal that expires within the next 6 months, don’t wait in the hope that interest rates will come down. Instead, lock in a new deal now. Should a better deal become available, you can change to that one instead.

We’re here to review your options to ensure you have the best mortgage deal to meet your needs. Give us a call on 01322 907 000 to speak with one of our expert mortgage brokers today.

Trinity Financial Ltd Registered Company Number: 09621298 Registered in England and Wales. Registered Office: Trinity Financial Ltd, 72 – 74 Upper Wickham Lane, Welling, Kent DA16 3HQ. Trinity Finance is a trading name of Trinity Financial Ltd, which is authorised and regulated by the Financial Conduct Authority. FCA: 793667. The FCA does not regulate most buy-to-let mortgages.

Think carefully before securing other debts against your home. Your home or property may be repossessed if you do not keep up with repayments on your mortgage.

A fee of up to 1% of the mortgage amount may be charged depending on individual circumstances. A typical fee is £595.

22/07/2026

Inflation has fallen to 2.6% in the year to June and is unexpectedly lower than the forecast rate of 2.7%. It’s the lowest the rate has been since March 2025.

Whilst the drop to 2.6% from 2.8% in the year to May is welcome news and a step nearer the Bank of England’s (BoE) target of 2%, the ease in inflation is not expected to continue.

Instead, it’s expected to rise again in the second half of the year. This is partly due to the surge in energy prices, with energy bills increasing for households by 13% in July, as well as escalated hostilities in the Middle East, causing crude oil prices to increase.

As such, economists are predicting that the current base rate of 3.75% will be held following the next review on 30th July.

How does this affect mortgage rates?

Lenders use swap rates to price their mortgage products and these rates reflect the financial market’s prediction of the BoE base rate, so any potential changes to interest rates are already accounted for.

Therefore, it’s a good idea to compare the deals available now if your current one is due to end within the next 6 months. You can lock in a new rate now, with the option to review it, to start as soon as your current deal ends.

We’re here to help ensure that you have the most suitable deal for your needs and circumstances. With access to the whole of the market, including exclusive deals, we can review your situation and compare the deals available. Call us on 01322 907 000 for expert, impartial advice and a tailored solution for your mortgage goals.

Trinity Financial Ltd Registered Company Number: 09621298 Registered in England and Wales. Registered Office: Trinity Financial Ltd, 72 – 74 Upper Wickham Lane, Welling, Kent DA16 3HQ. Trinity Finance is a trading name of Trinity Financial Ltd, which is authorised and regulated by the Financial Conduct Authority. FCA: 793667. The FCA does not regulate most buy-to-let mortgages.
Think carefully before securing other debts against your home. Your home or property may be repossessed if you do not keep up with repayments on your mortgage.
A fee of up to 1% of the mortgage amount may be charged depending on individual circumstances. A typical fee is £595.