Laura Sneddon, our Head of Mortgage Sales at Hinckley & Rugby for Intermediaries, gives her take on the specialist mortgage lending space and what makes a specialist lender special.
A specialist lender helps people who need more.
More empathy. More consideration. More flexibility.
Specialist lending isn’t the one-size-fits-all approach of a mainstream lender. It’s a bespoke service that proactively seeks solutions to unique and challenging cases. A good specialist lender has a team of people who are dedicated to innovation and improvement, finding ways to make life easier for brokers with practical mortgage solutions for their clients.
But many specialist lenders deal only with a certain niche, or a combination of two or three niches. Less common is the lender that specialises in the whole gamut of specialist mortgage lending. Such a lender can be a broker’s all-round flexible friend.
So, what makes Hinckley & Rugby an especially special specialist lender?
Well, just as you had to work hard to get your head around that question, we work very hard to be one.
Most lenders want your case to fit one of their mortgages. We’re different because we listen to you, and do everything we can to make one of our mortgages fit your case. We do this by being open-minded and flexible.
In other words, we carefully consider the story that’s behind the numbers and put our heads together to find a solution that meets your clients’ needs.
How is this carried out? Our helpful, ‘yes focused’ team present your tricky cases, that sit outside of our already flexible criteria, to our senior decisionmakers on a daily basis. This is far more than a tick box exercise, or a simple joining of the dots. We offer an understanding ear, we meticulously weight up the pros and cons, and provide common-sense decisions you can rely on, but can often seem so hard to come by.
Who do we help?
- First-time buyers needing an income-booster mortgage
- Borrowers with imperfect credit histories
- People with non-standard incomes
- Health & Care and Skilled Worker Visa holders
- People with complex circumstances
- Later-life borrowers and joint applicants with a significant age gap
- Borrowers who have family or friends wanting to help
- Landlords, including limited company landlords
And pretty-much anyone else who doesn’t fit a standard mortgage mould.
Specialist lending is about making dreams come true for people who mainstream lenders will not, or rather cannot, help. As a forward-thinking specialist lender, Hinckley & Rugby Building Society provides responsible and innovative solutions to help people achieve those dreams.
You can explore our range of flexible and tailored mortgages on our website.
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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 about our Mortgage Referrals Committee. Get in touch on 01455 894 084. Or send us a message on our Live Chat, our response time is often only seconds!
Please note product details and criteria are correct at launch and are subject to change.
