Hinckley & Rugby for Intermediaries is pleased to announce the expansion of its residential mortgage lending into mainland Scotland, the first time the Society has offered products north of the border.
Brokers in Scotland can now access our full range of residential mortgage products, including Income Flex, Credit Flex, Core and more. The launch is initially available through PMS Mortgage Club and Sesame Network, both part of Sesame Bankhall Group, with wider distribution planned at the end of the summer.
The move forms part of a broader growth strategy to support brokers in underserved areas and increase access to flexible, manually underwritten lending. There are no changes to product criteria and Scottish borrowers will have access to the same proposition already available across England and Wales.
Our residential product range includes:
- Income Flex: supports non-standard or complex income, including self-employed borrowers with one year’s accounts or using net profit.
- Skilled Worker Visa: criteria include no minimum UK residency, no minimum income requirements, and no minimum time remaining on the visa.
- JBSP and lending into retirement.
- Up to 95% LTV on selected products.
- Manual underwriting with no credit scoring.
Buy-to-let products remain available to brokers in England and Wales only.
Laura Sneddon, Head of Mortgage Sales & Distribution said:
“We’ve seen strong demand from brokers in Scotland who are looking for greater choice and more flexible decision-making. Our manual underwriting, service-led approach, and willingness to consider complex cases really sets us apart, especially in a market where building society options remain limited.
“This is a significant step in opening up access for more brokers and clients, and we’re proud to bring our full residential proposition to Scotland.”
Claire Cherrington, DA Distribution & Propositions Director at Sesame Bankhall Group, added:
“There’s already been a very positive response from Scottish brokers since the launch went live, and we’re confident this will continue. Hinckley & Rugby for Intermediaries brings something different to the market, not just in terms of criteria, but the way they engage with brokers and support cases through to completion.
“At Sesame Bankhall Group, we’re committed to being a Proactive Partner for Life, helping firms to start, run, grow and exit. This expansion reflects that ethos perfectly, enabling us to extend meaningful support to brokers in Scotland and help them unlock new opportunities for their clients.”
Stay informed
Want to be alerted when we launch, update, and withdraw our products?
If you would like to keep up to date with our product launches, criteria updates, and any other changes we make to our product range, you can sign up to our email newsletter below and receive this information straight to your inbox.
Speak to us
Our dedicated Business Development team will be happy to speak to you about any cases you have, explain how our specialist products and flexible criteria can benefit your clients, or answer any questions you have. Get in touch on 01455 894 084. Or send us a message on our Live Chat, our response time is often only seconds!
