Flex Plus
Flexible mortgages for unique financial circumstances
Our Flex Plus mortgages are designed for individuals with unique or complex circumstances, such as irregular income, employment, credit issues, or unusual properties.
At H&R for Intermediaries, we assess each applicant’s situation individually.
These products are available for first-time buyers, new home purchases, and remortgages, but not for existing customers renewing or borrowing more. Due to its niche nature, it may come with a premium and is not suitable for those who meet our standard mortgage criteria.
Qualifying scenarios for Flex Plus
| Criteria | Core mortgages | Credit Flex | Income Flex | Flex Plus |
|---|---|---|---|---|
| Second home purchase – up to 90% LTV | x | x | x | ✔ |
| Buying a unique or non-standard property | x | x | x | ✔ |
| Concessionary purchase – up to 90% | x | x | x | ✔ |
| Using family loan towards deposit | x | x | x | ✔ |
| Using 100% of benefit income | x | x | ✔ | ✔ |
| Using 100% of commission income | x | x | ✔ | ✔ |
| Capital raise – up to 90% property value | x | x | x | ✔ |
| Debt consolidation – up to 30% of property value | x | x | x | ✔ |
| Income multiples – up to x4.49 for all 4 applicants | x | x | x | ✔ |
| Multiple jobs and working over 55 hours per week | x | x | x | ✔ |
| Combination of Income Flex and Credit Flex (Max 80% LTV) | x | x | x | ✔ |
Get in touch
To speak to a member of our team, call 01455 894 084, or click contact us to send us an email. You can also connect with one of our dedicated Business Development Managers or chat to us via LiveChat.
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