Trinity Finance

18/06/2026

Following the latest review by the Monetary Policy Committee (MPC), the base rate has been kept at 3.75%. This had been predicted following the release of the latest inflation rate figure of 2.8%, which was lower than the expected 3% for the second month in a row.

This is the fourth consecutive time that the base rate has been held at 3.75%, following its reduction from 4% in December 2025.

The fact that the inflation rate held steady at 2.8% was a surprise. Markets had already priced in potential increases to interest rates since the start of the Middle East conflict, which increased mortgage rates considerably. However, fixed rates for residential mortgages have gradually been getting cheaper since then.

The peace deal announcement has now caused swap rates, which are what lenders base their mortgage product pricing on, to reduce. This is good news for borrowers who are looking to take on a new fixed-rate mortgage deal.

Get expert advice from independent mortgage brokers:

With a continually changing market, it’s worth reviewing your options to ensure that you’re getting the most out of your mortgage deal. As independent mortgage brokers, we’re not tied to specific lenders and can compare deals across the board, offering you impartial advice in the process.

Simply call us on 01322 907 000 to discuss your financial situation and mortgage goals. We’ll provide you with comparisons based on these and offer guidance that helps you make the most suitable 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.

17/06/2026

The current UK inflation rate has remained at 2.8%. Once again, this rate is unexpectedly lower than the predicted 3% and is a result of higher transport costs being offset by slowing food prices.

With global oil prices rising as a result of the Middle East conflict, an increase to 3% had been projected. Instead, a day ahead of the next Bank of England (BoE) base rate review, it has held steady at 2.8%.

Whilst it had been hoped that the inflation rate would come down to the BoE’s target of 2% by spring, the conflict in the Middle East has derailed this. The current base rate is 3.75% and, now that inflation has remained at 2.8%, it’s expected that the base rate will be held, too.

The effects of the disruption to energy supplies have yet to filter through, with expectations of future increases in inflation. However, with the lower-than-expected inflation figures having just been released, the case has been strengthened for the Monetary Policy Committee (MPC) to vote to keep the base rate at its current level.

Get in touch to review your options:

Our expert brokers are here to discuss your mortgage preferences and help you secure the most suitable deal for your needs. Give us a call on 01322 907 000 to benefit from comparisons of deals across the market, including exclusive broker-only deals, and impartial advice, ensuring you make the right decision 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.

12/06/2026

The UK is a pet-loving nation and our pets are part of our families. But not everyone has been lucky enough to enjoy the companionship of a pet in their homes.

In England, there are 11 million tenants in the private rented sector and, until recently, it has been incredibly difficult to find accommodation that allows for pets.

Now, new rules have come into force for renting with pets that have changed that. Pets can no longer be refused from rental properties unless there’s a good reason.

Read our blog post to learn about the new pet ownership rules and how they affect both tenants and landlords:

https://www.trinityfinance.co.uk/what-are-the-new-rules-for-renting-with-pets/

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 UK is a pet-loving nation and our pets are part of our families. But not everyone has been lucky enough to enjoy the companionship of a pet in their homes.

06/06/2026

Some key reforms to the private rented sector came into force on 1st May 2026 under the Renters’ Rights Act. Deemed as long overdue by tenants and groups advocating for tenants’ rights, these reforms have included changes to the rents that are charged.

Reduced upfront costs, rent increase restrictions and an end to rental bidding have all been confirmed in the rental reforms.

Read our blog post to find out what each of those changes entails and how landlords have reacted to these reforms:

https://www.trinityfinance.co.uk/how-have-rents-been-affected-by-the-new-rental-reforms/

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.

Some key reforms to the private rented sector came into force on 1st May 2026 under the Renters’ Rights Act. Deemed as long overdue by tenants and groups advocating for tenants’ rights, these reforms have included changes to the rents that are charged.

29/05/2026

One of the main issues stopping prospective homebuyers from getting on the property ladder is the deposit requirement. This is especially the case if you’re already paying a high rent, making it almost impossible to save for a deposit at the same time.

Certain mortgages are designed to help first-time buyers meet lenders’ affordability criteria, which removes one financial obstacle. A joint borrower sole proprietor (JBSP) mortgage is one of these.

With this type of mortgage, another person – usually a parent – applies for the mortgage with you and is jointly responsible for making the monthly payments. This is different from a joint mortgage in that the property deeds will be in your name only.

But how does this help with the deposit? What amount do lenders require for a JBSP mortgage deposit?

Read our blog post to find out more details:

https://www.trinityfinance.co.uk/what-deposit-do-you-need-for-a-joint-borrower-sole-proprietor-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.

One of the main issues stopping prospective homebuyers from getting on the property ladder is the deposit requirement. This is especially the case if you’re already paying a high rent

20/05/2026

Positive news has been given by the Office for National Statistics (ONS) when releasing the latest inflation rate figure. It confirms a drop in inflation to 2.8% in the year to April.

This is lower than the anticipated 3% and the lowest rate recorded since the year to March in 2025.

The impact on mortgage rates:

This month, major mortgage lenders cut their fixed residential mortgage rates. Experts are warning, however, that these cuts may slow or even be reversed as a result of increased inflationary pressure in the near future.

Therefore, it’s recommended to lock in a new rate now if your deal is coming to an end within the next 6 months. This will protect you against any mortgage rate increases that may occur in the future. You can continue to review it before your existing deal ends in case a better rate becomes available in the meantime.

Even if the new rate is higher than the one you’re paying now, it’s still likely to be cheaper than your lender’s standard variable rate (SVR). This is the rate that your deal will automatically switch to if you haven’t secured a new deal before your current one ends.

Discover the options available to you:

Whatever your situation, our mortgage brokers are here to find the most suitable deal for you. Give us a call on 01322 907 000 so that our experts can review your options. Providing you with impartial advice and having access to deals across the market, they will ensure you have the information you need to make the right decision for your mortgage 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.

16/05/2026

With climate change concerns and the high cost of energy bills, it makes sense to consider the energy efficiency of a property that you’re either buying or already own. Green mortgages reward borrowers for this with financial incentives and more flexible terms. But how ‘green’ are green mortgages in reality?

Read our blog post to find out what a green mortgage is, the benefits of having one, what you need to provide to the lender and how green this type of mortgage really is:

https://www.trinityfinance.co.uk/how-green-are-green-mortgages/

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.

With climate change concerns and the high cost of energy bills, it makes sense to consider the energy efficiency of a property that you’re either buying or already own

12/05/2026

If you’re ready to turn your idea of building a dream home into a reality, getting a self-build mortgage is a good way to finance it.

But what happens if you can’t meet the high deposit requirement for this type of funding?

If you have a family member who’s willing to help you, can you use a gifted deposit for a self-build mortgage?

Read our blog post to find out what a self-build mortgage is, how much deposit you need, whether you can use a gifted deposit and if there are any alternative options for the deposit:

https://www.trinityfinance.co.uk/can-you-use-a-gifted-deposit-for-a-self-build-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 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’re ready to turn your idea of building a dream home into a reality, getting a self-build mortgage is a good way to finance it. But what happens if you can’t meet the high deposit requirement for this type of funding?

30/04/2026

As had been widely anticipated, the Monetary Policy Committee (MPC) has voted to keep the base rate at 3.75%.

Inflation increased to 3.3% in the year to March, driven by soaring fuel prices stemming from the Middle East conflict. The data for this inflation figure was collected in mid-March, just a few weeks into the war. As such, there is still uncertainty over the full impact of the war on the UK economy.

For now, the current base rate has remained the same rather than being changed in response to further potential increases in inflationary pressure.

After the initial instability caused by the Middle East conflict, an increase in swap rates led to a rapid increase in mortgage rates.

In April, these rates began to fall again, albeit slightly, as swap rates lowered. It’s likely that they’ll stay higher for longer amid the increased inflationary pressure but at least they’ve started to move in the right direction with some lenders.

It’s unknown whether this downward trend will continue or whether continued volatility from the conflict will cause them to rise again. As such, it’s imperative that you review your options if your existing deal is coming to an end in the next 6 months.

Get expert guidance when it matters most.
Don’t be caught out in these volatile times. Our mortgage brokers are here to review your options and find the most suitable solution for your situation. Give us a call on 01322 907 000 for professional, impartial advice and 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 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.

22/04/2026

An increase in inflation to 3.3% has been recorded for the year to March as a result of soaring fuel prices caused by the Middle East conflict.

The data used to arrive at this figure was collected in mid-March when the war was a few weeks in. This means that the full impact is yet to be seen.

The Monetary Policy Committee (MPC) is holding its next review of the base rate on 30th April. The rate currently stands at 3.75% so the question is now whether this will be raised to help combat the increase in inflation.

Whilst an interest rate hike is usually expected when there’s an increase in inflation, a weakening economy typically leads to a cut in interest rates. With these two issues to consider, it’s likely to be a difficult decision for the MPC.

Experts are currently predicting that the Bank of England base rate will remain on hold.

Swap rates have now come down from their peak in March and several mortgage lenders have begun lowering their interest rates slightly. Whilst these are only small changes, they are at least a step in the right direction.

With the full impact of the conflict yet to be felt, it’s expected that rates will continue to stay higher for longer due to the increased inflationary pressure.

If your existing deal is coming to an end in the next 6 months, it’s a good idea to lock in a new rate now. This protects you in case mortgage rates rise in the future.

Call our expert mortgage brokers on 01322 907 000 for impartial advice and discover the mortgage options available to you.

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 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.