Hinckley & Rugby Building Society

The Hinckley & Rugby Building Society, known as Hinckley & Rugby for Intermediaries is a mutual building society that lends across England and Wales. Our wide range of residential and buy to let mortgages mixed with our manual approach to underwriting, enables us to assess and agree mortgages based on individual circumstances and the overall value of the case rather than rely on automated systems.

Why choose us?

• Our Mortgage Mission: Possible Committee (comprising the most senior managers in the business) meet at 3pm every day to discuss your robust but unusual business enquiries.
• We are manual underwriters and don’t use credit scoring in our processes.
• We consider individual circumstances when making the lending decision.
• We offer joint borrower sole proprietor mortgages to 95% residentially and 75% BTL.
• Our BTL rental calculation for non-portfolio landlords can be supported by personal income.
• We offer interest only downsizing with no minimum income.
• We consider minor credit blips.
• No maximum age at application or term end.
• We consider lending up to 90% on new build flats and houses.  
   

Please call our dedicated Business Development telephone support team to discuss your unusual business enquiries on 01455 894084. We have no automated telephone systems at Hinckley & Rugby, so you are guaranteed to get through to a human being.

Also use our website www.hrbs.co.uk/introducers for general criteria information and our handy calculators for residential affordability, BTL affordability and portfolio landlords.

Also follow us on twitter @MortgageRequest where you can tweet the basic details of your client’s situation, including #RequestAMortgage and one of our operatives will be able to give an idea of how likely we will be able to meet those requirements.