Trinity Finance

17/10/2026

A subject that many people understandably prefer to avoid thinking about is what happens to their property, money and belongings when they die. This could explain why over half of adults in the UK don’t currently have a will in place.

But what are the repercussions of this? You may think that your estate will automatically pass to your loved ones but, sadly, that isn’t always the case.

Read our blog post where we’ll explain what happens if you die and don’t have a will in place:

https://www.trinityfinance.co.uk/what-happens-if-you-die-and-dont-have-a-will-in-place/

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.

If you die without a will in England or Wales, you die intestate. This means that the rules of intestacy apply, determining who inherits your money, property and other possessions.

09/10/2026

Have you seen the headlines about buying with a 2.5% deposit?

The proposed Your First Home scheme concerns qualifying first-time buyers purchasing eligible new-build homes in England.

It involves a government-backed equity loan alongside a mortgage, and that equity loan also needs to be repaid. It is not a standalone small-deposit mortgage available to everyone.

Further details about the scheme are to be released during the Autumn Budget and it’s expected to open for registration by the end of 2026.

Read our blog post to discover what’s known about the scheme so far:

https://www.trinityfinance.co.uk/what-is-the-new-your-first-home-scheme-and-how-could-it-help-first-time-buyers/

Before making plans around it, get a clear picture of your own finances.

How much have you saved? What purchase budget could be realistic? What other buying costs will you need to cover?

Speak to our mortgage brokers about your first-home buying options. We can help you understand your starting position and the questions you need answered.

Full scheme rules and timings still need to be confirmed. An enquiry does not confirm eligibility and mortgage lending remains subject to assessment.

Call 01322 907 000 or enquire through our website.

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.

The government has announced a new scheme that’s to be launched with the intention of helping first-time buyers get onto the property ladder. Whilst the final details are yet to be confirmed, the main features of the Your First Home scheme have been released.

03/10/2026

With decades of combined experience in the financial services industry, Trinity Finance is perfectly positioned to cope with any of your financial needs.

We will guide you through the whole process, including the potential costs of buying a property as well as help with monthly budgeting.

With a huge commitment, such as a mortgage, we will also assist you in identifying the most suitable protection products to stop you from losing your home.

For impartial advice on mortgages, simply give us a call on 01322 907 000 or send an email to us at [email protected]. One of our mortgage experts will reply to you as quickly as possible with more information about mortgages and how they can help you get onto the property ladder.

Watch our video to discover the advantages of using a mortgage broker:

https://bit.ly/trinitymortgagebroker

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.

Trinity Finance Mortgage BrokersWith over 30 years of combined ex...

22/09/2026

17/09/2026

The latest Monetary Policy Committee (MPC) review has confirmed that the base rate is to be held at 3.75%. It was held at this level during the last review in July and this is now the sixth consecutive time. It was first reduced to this figure at the MPC’s last review of 2025, on 4th December.

Whilst the current base rate has remained the same, rates are expected to increase later in the year. The next review is in November when the BoE will have a clearer picture of the new fiscal rules, ongoing global pressures and changes in domestic events.

The anticipated rate increases in the latter part of the year have already been included in swaps data. Lenders use swap rates when pricing their fixed-rate products and, as such, have already begun increasing mortgage costs accordingly.

With rate increases predicted in early 2027, too, this could push fixed-rate product costs even higher. If you have a fixed-rate deal ending soon, it’s better to start looking at new deals sooner rather than later. Most lenders allow you to lock in a new rate 6 months before your deal is due to end.

Our mortgage brokers can review your current deal and the options available to you. We have access to the whole of the market, enabling our brokers to search through a wide range of products to find the most suitable one for your needs. Give us a call on 01322 907 000 for expert, impartial advice to help you choose the most suitable option for your circumstances.

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.

16/09/2026

An increase in inflation to 3.1% in the year to August has been confirmed by the Office for National Statistics (ONS). This is a rise from 2.9% in July, which is the second consecutive jump in inflation, and it’s predominantly due to soaring fuel prices.

A day ahead of the next base rate review by the Monetary Policy Committee (MPC), a further rise in inflation isn’t particularly good news. However, economists predict that the current base rate of 3.75% will be kept the same, despite inflation veering further away from the Bank of England’s 2% inflation target. This is because core inflation and inflation in the service sector are fairly stable and the UK economy is remaining resilient, despite the current global uncertainty.

Find the right mortgage for your circumstances:

If you’re ready to explore your mortgage options now rather than waiting for market changes, give us a call on 01322 907 000. Our mortgage brokers can review your financial profile and current situation to ascertain the options available to you.

At Trinity Finance, we’re not tied to specific lenders, giving us access to a wide range of products, including exclusive deals. You can rely on clear, impartial advice to help you make the right decision for 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 on individual circumstances. A typical fee is £595.

13/09/2026

Buying your first home is exciting but it’s also a big responsibility. You’re taking on a huge financial commitment over a very long term.

Like most first-time buyers, your focus is likely to be on securing your mortgage; however, protecting your new home and lifestyle is just as vital.

Read our blog post to understand why protection insurance for first-time buyers is just as important as arranging a mortgage:

https://www.trinityfinance.co.uk/why-protection-insurance-for-first-time-buyers-is-just-as-important-as-the-mortgage/

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.

Buying your first home in Bromley? Find out why protection is just as important as your mortgage. Advice from Gemma Weekes, Trinity Finance.

04/09/2026

A house in multiple occupation (HMO) is a lucrative investment. It makes sense to improve the value of your HMO where possible to maximise your borrowing potential.

From updating your property to extending it, there are various ways to ensure a higher valuation before refinancing your HMO.

Read our blog post to discover some strategies to use:

https://www.trinityfinance.co.uk/how-to-improve-the-value-of-your-hmo-before-getting-a-mortgage/

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.

A house in multiple occupation (HMO) is a lucrative investment. It makes sense to improve the value of your HMO where possible to maximise your borrowing potential.

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.....