Hinckley and Rugby Building Society has updated its product and criteria, the details are below. These products are available through our direct to lender mortgage club so contact us for more information on how our club can support your business.
New Income Flex products at 95% LTV and reduced rates across key product ranges
New year, new products! We hope you’ve had a well-earned break and are ready to make 2026 a positive year for you and your clients.
We’re starting the year with a comprehensive product update designed to broaden accessibility in current market conditions. From 16 January 2026, we’re launching three brand-new Income Flex products available up to 95% LTV, alongside a new 2 Year Discount LTD Company Buy-to-Let product.
We’re also making selected rate reductions of up to 25 basis points (bps), extending terms across key product ranges, and withdrawing a small number of Core Residential products.
1. New Income Flex products up to 95% LTV
- Income Flex – 2 Year Discount 5.59% variable (1.30% off Homeowner Variable Rate) – 95% LTV – IFHD12
- Income Flex – 2 Year Fixed – 6.50% – 95% LTV – IFHF68
- Income Flex – 6.50% fixed to 31/03/31 – 95% LTV – IFHF69
2. New LTD Company Buy-to-Let
3. Rate reductions and term extensions
We are extending the term on our current 5-Year Fixed products from 28 February 2031 to 31 March 2031. Along with selected rate reductions on 5-Year and 2-Year fixed products across the following ranges:
4. Core Residential withdrawals
Please note that we are withdrawing the following products on Friday 16 January at 5.00pm. You will have until that time to submit cases.
- Core Residential – 6.10% fixed to 28/02/2031 – 95% LTV – F277
- Core Residential – 2 Year Discount 5.10% variable (1.79% off Homeowner Variable Rate) – 90% LTV – HVD28
- Core Residential – 2 Year Discount 5.39% variable (1.50% off Homeowner Variable Rate) – 95% LTV – HVD29
- Core Residential – 2 Year Fixed – 6.25% – 95% LTV – HVF25