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.
Lending into retirement LTV raised to 80%
Good news for your later-life clients! We’ve raised our maximum loan-to-value (LTV) for lending into retirement from 75% to 80% for residential borrowers.
All products remain available up to a maximum borrower age of 85, with every application assessed individually by our experienced underwriters. No automated credit scoring. No algorithm-driven declines.
According to UK Finance, over 41,000 new loans were advanced to older borrowers in Q4 2025 — a 15.1% year-on-year rise. As demand grows, so does our commitment to supporting the cases that need a more considered approach.