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 PRODUCT RANGE: CREDIT RENEW 💛
We’re proud to introduce Credit Renew, our new impaired credit mortgage range designed to support borrowers with historic credit challenges.
Available from 9am Wednesday 5 August 2026, Credit Renew broadens our specialist lending proposition and sits alongside our existing Credit Assist range (formally known as Credit Flex), providing a clear two-tier approach to the Society’s credit proposition.
Credit Renew product details
The two new products are available for purchase and remortgage, each offering £250 cashback. Both products carry an £800 completion fee and a payable valuation fee.
- Credit Renew – 2 Year Discount 5.94% variable (0.95% off Homeowner Variable Rate) – 75% LTV – CRD01
- Credit Renew – 6.54% – 2 Year Fixed – 75% LTV – CRF201
Read the full details of our latest launch
Credit Renew criteria highlights
Credit Renew is designed for borrowers who have experienced a more complex history of impaired credit who have since re-established their financial stability. It offers greater flexibility for clients with:
- CCJs
- Debt Management Plans (DMPs)
- Late/Missed payments
- Debt consolidation requirements
As always, every case is individually assessed by an experienced underwriter, with no automated credit scoring at DIP stage.