Hinckley & Rugby for Intermediaries

Fixed rate options for clients with historic credit issues

Fixed rate products available across our Credit Assist and Credit Renew range, providing more choice and certainty for your clients.

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Discount residential and buy-to-let Visa products

Supporting home ownership for applicants with a Skilled Worker/Health & Care Worker, BNO, Global Talent and Ancestry visas. Residential products available up to 95% LTV and Buy-to-Let products, include personal and Ltd Company options.

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Buy-to-Let products available up to 80% LTV

We support your first-time buyer first-time landlords clients as well as non-owner occupier across our Ltd Company and personal BTLs mortgages.

Search our Buy-to-Let criteria
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

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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Search our criteria

Assess affordability with our calculators

Use our Broker Portal

Check out our packaging guide

Meet our team

Criteria

From income and property types to credit issues, visas and complex lending scenarios, explore our criteria to see where we could help your client.

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Mortgage products

Explore our flexible range of residential and buy-to-let mortgages, including our latest rates, LTVs and product options.

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Broker portal

Submit a new mortgage application or manage an existing case all through our broker portal.

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Calculators

Use our residential and buy-to-let calculators to check your client’s borrowing potential and affordability.

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Get in touch

Whether you prefer to call, email or speak to us through our Live Chat, we're always happy to help.

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Frequently asked questions

Find answers to our most commonly asked questions to help you move your case forward.

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Resources, guides and forms

Access all useful resources to help you package your case and make the application process as straightforward as possible.

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News and updates

Keep up to date with all our latest news, including criteria changes, product updates and everything happening at Hinckley & Rugby.

See our latest updates >

Meet our team

Always nice to put a name to a face, find the Business Development Manager (BDM) for your region.

Meet your BDM >

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.

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Explore our website to find what you need or click below, and get in touch with a member of our team.

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Manage/Submit Case Products Criteria Calculators Application Process Resources News FAQs

Fixed rate options for clients with historic credit issues

Discount residential and buy-to-let Visa products

Buy-to-Let products available up to 80% LTV

Maximising your client’s borrowing potential with Income Flex