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Trust Hall Loans and Mortgages
A personal and friendly service providing the best loan and mortgage products
About Trust Hall Loans & Mortgages
At Trust Hall Loans & Mortgages, delivering the best outcome for the client’s circumstances and treating customers fairly is at the very heart of what we do.
We have extensive knowledge of the mortgage marketplace whatever the client’s individual circumstance.
We have developed valued relationships with our lenders meaning that we can cater for almost any scenario for a client, whether the client is a first-time buyer, home mover or somebody with more complex lending requirements, the client will be in safe hands and can be assured of service they can trust.
Trust Hall Products
First charge mortgages
Second charge mortgages
Bridging loans
Commercial mortgages
First Charge Mortgages
What is a mortgage – A mortgage is kind of loan you can use to help you buy property. The average mortgage lasts for 25 years – although they can range from six months to 40 years – during which you’ll make monthly repayments. It’s secured against your home or investment property.
- Mortgages available from £30,000.00
- Up to 90% LTV
- Up to 6 Times income multiples
- First time buyers
- Moving Home
- Remortgage
- Buy to Let
- Help to buy
- Right to buy
Second Charge Mortgages
What is a second charge mortgage – A second-charge mortgage is a secured loan that uses the capital (or equity) in your home as collateral. In other words, it’s based on the difference between the value of the property and the amount you owe on your first mortgage. A second-charge mortgage is separate to your original mortgage.
- Loans from £10,000.00
- Up to 110% LTV
- Adverse credit history.
- Debt consolidation
- Home improvements
- Paying tax bills
- Raising deposit for further property purchase
- To raise capital but wants to avoid ERC’s
- To raise capital but keep existing low rate
- To retain interest-only main mortgage
Bridging Loans
What is a bridging loan –These short-term loans help to bridge the gap between payments. People or companies often use them to secure an asset whilst they arrange a long-term financial solution. Move home to bridge the gap between the sale and completion dates in a chain.
- Loans from £25,000.00 to £100m (more if agreed on referral)
- Terms from 6 months to 36 months
- LTV up to 80%
- Payments can be made at exit or on a month-to-month basis
- We ensure taking a bridging loan is the correct advice for the client
- Bridging finance can be a very high-risk lending product and it is vital that the repayment solution “the exit” is in place before agreeing to proceed
Commercial Mortgages
What is a commercial mortgage – A commercial mortgage is a mortgage loan secured on a commercial property, such as an office building, shopping centre, industrial warehouse, or apartment complex. The proceeds from a commercial mortgage are typically used to acquire, refinance, or redevelop commercial property.
- Mortgages from £25k to £10m+
- LTV up to 75%
- New purchases and remortgages
- Retail premises owners
- Business owners
- Investors
“We aim to provide our customers with the most personalised service as possible and ensure they get the best product for their needs”
Matthew Hall – Director
Our Process
We complete a comprehensive assessment with every customer to determine their needs, so we fully understand what they are looking to achieve
We work with our broad range of financial product providers to find the most appropriate and best value deal for our customer
We help the customer through the application process, answering any questions they have and working with them to resolve any problems they may have
Once the product is approved and in place for the customer, we are always there to offer further ongoing advice and to help if needed
Testimonials
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Trust Hall Jargon Buster
We have produced a jargon buster to help you navigate the world of Loans and Mortgages. Download a copy here!
