Complex income? Visa applicants? Historic credit issues? More ways to get your cases moving.
Hinckley & Rugby Building Society has introduced a refreshed lending proposition, bringing greater flexibility and more solutions for clients who don’t always fit standard lending criteria.
From self-employed borrowers and complex income to historic credit challenges, discover where Hinckley & Rugby could help you place more cases.
Key highlights
Income Flex – When income isn’t straightforward
- One year’s accounts, declining profits and projected income considered
- 100% of benefits, bonuses, commission and overtime accepted
- Flexible assessment for contractors, CIS and fixed-term employees
Visa Mortgages – More opportunities for overseas nationals
- No minimum UK residency or remaining visa term
- No minimum income for NHS, private hospital staff or teachers
- Up to 95% LTV and overseas deposits accepted (must be held in UK bank account)
Credit Assist & Credit Renew – Looking beyond historic credit issues
- Flexible approach to missed payments, satisfied defaults and CCJs
- Debt consolidation available up to 75% LTV
- No automated credit scoring at DIP stage
Flex Plus – Combining income and credit flexibility
A hybrid solution for clients who need both income flexibility and a more understanding approach to their credit history.
Buy to Let – More options for landlords
- First-time landlords and non-owner occupiers accepted
- Personal and Limited Company applications
- Top-slicing available, with lending up to 80% LTV
And there’s more…
Interest-only up to 70% LTV with no minimum equity or income requirement, JBSP with tailored terms for significant age gaps, and loans up to £3m on referral.
Got a case that doesn’t quite fit?
Hinckley & Rugby’s Broker Assist Team is available to discuss criteria and packaging before submission, helping you find the right route for your client, and supporting a smooth journey from application to offer.
Broker Support: 01455 894 084 | development@hrbs.co.uk
More flexibility. More solutions.
More opportunities for your clients.