Hinckley & Rugby for Intermediaries

Maximising your client’s borrowing potential with Income Flex

Income Flex considers various income sources and supports salaried, self-employed and contractors. We also accept one year’s accounts, most recent year accounts, declining profits, projection figures, net profits, etc.

Explore Income Flex criteria
Barrier busting criteria for Skilled Worker visa holders

Supporting home ownership for applicants with a Skilled Worker/Health & Care Worker, BNO, Global Talent and Ancestry visas. We offer up 90% LTV with no minimum residency in the UK, no minimum income and no minimum time remaining on visa.

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Brand-new Income Flex 95% LTV products and reduced rates across key ranges

In January we introduced three new Income Flex products available up to 95% LTV, a new 2 Year Discount LTD Company Buy-to-Let product and reduced rates across key product ranges.

Read the details on our latest updates
Did you know we’ve integrated JBSP into our Core mortgage range?

JBSP is a powerful but underused solution for affordability challenges, so we made it part of our core mortgage range. We allow up to four borrowers on an application, including family and non-family applicants, along with tailored terms for applicants with significant age gaps.

Explore our JBSP criteria

Hinckley & Rugby for Intermediaries

Lending across England, Scotland and Wales, we specialise in complex cases. Our tailored mortgage solutions are designed to overcome obstacles and unlock your clients’ borrowing potential. We deliver this through a personal approach, taking time to understand the full picture and staying committed to finding a way to say “yes”.

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Assess affordability with our calculators

Use our Broker Portal

Check out our packaging guide

Meet our team

Image of a clean, empty new build street on a bright day.

Mortgages with a personal touch

Choosing the right mortgage for your client can be a daunting task, but we have always aimed to make our products simple and easy to understand. We offer a wide range of standard mortgages, and have a specialist range for those with more specific needs.

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Looking to manage or submit a case?

Whether you are looking to submit a new mortgage application, need an update on an existing case, or your client’s mortgage is soon to mature, we’ve got you covered.

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Photograph of Hinckley & Rugby Building Society head office on Upper Bond Street, Hinckley.

Our Intermediary Sales team

Meet our team behind Hinckley & Rugby for Intermediaries and find the Business Development Manager (BDM) for your region. Our friendly BDMs are on hand to answer your questions.

Meet the team

Our Broker Assist team is here for you

Our Broker Assist Team is here to make your mortgage application process as smooth and efficient as possible. From the outset, we build a strong working relationship with you, clarifying key criteria and timelines so we can anticipate and resolve potential issues before they reach underwriting. We’ll check for missing documents, highlight credit considerations, and make sure everything’s in place – paving the way for quicker decisions and a better experience for you and your clients.

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Credit searches and your client’s credit file

Hinckley & Rugby does not carry out a credit search at Decision in Principle (DIP) stage. A full credit check with Equifax is only completed once a fully packaged application is submitted via our Broker Portal. This ensures your client’s credit file is only impacted when an application is ready to proceed.