Hinckley & Rugby for Intermediaries specialise in flexible criteria, manual underwriting with no credit scoring, and same day, common-sense decisions for your non-standard cases through our Mortgage Referrals Committee.
We provide carefully designed mortgage solutions which help maximise borrowing potential and address common obstacles experienced by your clients with more complex circumstances.
What we do
With a human lending approach, we carefully consider individual circumstances and work with you to understand the strengths of the case to inform our decision which is often made on the day of referral.
- Manual underwriting
- No credit scoring – adverse credit considered
- Lending across England and Wales with no regional restrictions
Criteria Highlights
Income Flex:
- Up to 95% LTV
- 1 year’s accounts
- Latest year’s figures
- Projected incomes
- CIS contractors
- Day-Rate contractors
- 100% bonus, commission, overtime and tips
- Non-standard income streams
Skilled worker, Health & Care and BNO passport holders:
- Up to 95% LTV
- No minimum income
- No minimum residency in UK
- No minimum time remaining on VISA
Flex Together (JBSP):
- Up to 95% LTV
- Non-family applicants considered
- Split mortgage terms for significant age gaps
- Joint borrower may gift deposit and reside in property
Interest-only:
- Up to 70% LTV
- 60% LTV with downsizing
- No minimum income
- No minimum equity
Buy to Let:
- Up to 75% LTV
- First time buyer/first time landlord
- Limited company and personal applications
- Top slicing
Get in touch
To contact our Business Development team, please call 01455 894084, use the live chat facility on our website, or email development@hrbs.co.uk
Our lines are open from 9am to 5:00pm Monday to Friday.
*Products from Hinckley & Rugby can be accessed by using Next Intelligence as your payment route.