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.
Rate updates on 2-Year products and extended terms on 5-Year Fixed products
From Friday 5 December 2025, we’re updating the rates on our 2 Year Fixed and 5 Year Fixed and Income Flex Variable products, and extending the end dates on our 5 Year Fixed products to 28 February 2031.
Rate changes
- Core – 2 Year Fixed – 80% LTV – Rate amended from 5.55% to 5.60% – HVF26 (previous code – HVF21)
- Core – 2 Year Fixed – 90% LTV – Rate amended from 5.85% to 5.90% – HVF27 (previous code – HVF22)
- Core – Fixed to 28/02/2031 – 80% LTV – Rate amended from 5.49% to 5.59% – F275 (previous code – F271)
- Core – Fixed to 28/02/2031 – 90% LTV – Rate amended from 5.75% to 5.82% – F276 (previous code – F272)
- Income Flex – 2 Year Discount – 80% LTV – Rate amended from 4.84% (2.05% off Homeowner Variable Rate) to 4.94% (1.95% off Homeowner Variable Rate) – IFHD10 (previous code – IFHD8)
- Income Flex – 2 Year Discount – 90% LTV – Rate amended from 5.04% (1.85% off Homeowner Variable Rate) to 5.14% (1.75% off Homeowner Variable Rate) – IFHD11 (previous code – IFHD9)
5-Year fixed product term extensions
We’re extending the term on our current 5 Year Fixed products from 31 January 2031 to 28 February 2031. Providing you and your clients with more time to take advantage of these products across the following ranges:
- Core – 95% LTV – 6.10% – F277
- Buy-to-Let – 75% LTV – 5.64% – BTF110
- Ltd Company Buy-to-Let – 70% LTV – 5.69% – LCF40
- Visas Buy-to-Let – 75% LTV – 5.82% – VBF9
- Visas – 80% LTV – 5.87% – VISF53
- Visas – 90% LTV – 6.08% – VISF54
- Income Flex – 80% LTV – 5.79% – IFHF62
- Income Flex – 90% LTV – 6.07% – IFHF63
- Credit Flex – 80% LTV – 5.89% – CFHF22
- Flex Plus – 80% LTV – 6.34% – FPF19
- Flex Plus – 90% LTV – 6.39% – FPF20