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Mortgage products

Through a combination of flexible criteria, manual underwriting, no credit scoring and a common-sense approach, we provide mortgage products to help your clients maximise their borrowing potential.

Core Mortgages (incl. JBSP)

Our Core mortgages are available for those with less complex circumstances, however do offer some of our most popular flexible criteria including JBSP, Later Life and Tailored Term.

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Buy to Let Mortgages

Our Buy to Let mortgages are designed to support new and existing landlords, who are looking to maximise their borrowing potential or expand their portfolio. Includes topslicing and tailored term.

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Skilled Worker Visa Mortgages

Supporting skilled foreign workers in the UK with owning their own home. The mortgages has no minimum income requirements, no minimum residency within the UK and much more flexible criteria.

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Visa Buy to Let Mortgages

This range is designed to help skilled professionals, entrepreneurs, and investors on visas to purchase or refinance property in the UK.

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Income Flex Mortgages

Our Income Flex mortgages are available for those who require some extra help or understanding of their circumstances around income.

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Credit Flex Mortgages

Our Credit Flex mortgages are available for those who require some extra help or understanding of their circumstances around their credit history.

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Flex Plus Mortgages

Our Flex Plus mortgages are designed for individuals with unique or highly complex circumstances relating to their credit history, income, or employment, or who are purchasing a non-standard property.

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Remortgage Mortgages

If your clients are looking to re-mortgage with the Society, we have products exclusively designed for them. This includes mortgages available through the PEXA platform.

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Product Transfers

If your client’s Hinckley & Rugby mortgage is nearing maturity, you can easily secure them a new deal through our Product Transfer service with their consent. Exclusive rates for existing customers are available up to three months before maturity and can be found on sourcing systems.

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Tailored Term

Our Tailored Term is a ‘made-to-measure’ add-on element which can be applied to any mortgage from our product range. It is customisable and allows multiple applicants to share the cost of the mortgage over separate time frames.

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