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For more than 50 years, Hodge has been making a difference to its customers’ lives, helping them achieve their financial goals with our personal savings accounts, tailored mortgage options and bespoke real estate finance (commercial development and investment) solutions.
Over the years Hodge has created specialist mortgage products to support borrowers who don’t fit the mould. It has used its experience to grow its product offering to better serve brokers and customers alike.
Hodge is 79% owned by the Hodge Foundation, a charity supporting welfare, medical and academic endeavours. More information can be found on the website www.hodge.co.uk.
Hodge Mortgage Solutions
Why choose Hodge ?
Hodge’s specialist mortgages have been designed to support the needs of modern-day borrowers from age 21 to 95, offering flexible, tailored solutions up to and into retirement.
Hodge Resi – ideal for clients with complex income streams, Hodge’s Resi mortgage supports clients from age 21 up to retirement who are looking to maximise affordability and who fall outside ‘tick box’ underwriting – find out more.
Hodge Resi Retire – perfect for clients looking to borrow into and during retirement. With no minimum age, Resi Retire caters for aspirations and lifestyle. Whether your client is paying off an existing mortgage, freeing equity for home improvements or looking to lower monthly payments to improve financial comfort, Hodge can help – find out more.
Holiday Buy to Let Mortgages – providing a flexible way for your clients to invest in the holiday home market – find out more.
Why Hodge?
Why Hodge ?
Hodge lend with purpose and support a more flexible mortgage market, focusing on individual customer needs and a common-sense approach to underwriting.
Tools and Useful Links
Products
- 50+
- RIO
- Professional
- Holiday Let
Products
- 50+
- RIO
- Professional
- Holiday Let
Why Hodge?
- For Holiday Let Mortgages, at Hodge we:
- Lend from aged 21 to age 95
- Don’t require a minimum income
- Offer interest only or repayment with max LTV 75%
- Allow 90 days personal occupancy
- Accept first time landlords, non-owner occupier and Airbnb with up to 3 properties considered
- Offer enhanced rental calculations for 5 year fixed
- For 50+ and RIO Mortgages, at Hodge we:
- Lend from age 50 with a maximum term of 41 years for 50+ and no end date for RIO
- Consider earned income, employed and self-employed to a maximum age of 80
- Offer interest only or repayment with max LTV 85%
- Look at both pre and post retirement income, no upper age limit if the mortgage is affordable on pension income
- Can lend up to 6x income on a like-for-like remortgage
- Only require one client be aged 50, we can look at a second applicant under 50
- Professional Mortgage, at Hodge we:
- Lend from age 21 to 50 with a maximum term to age 75
- Accept 100% of validated income with multiple/complex income streams allowed
- Offer interest only or repayment with a max LTV 90%
- Consider joint income from an applicant not on our list of agreed professions
- Offer max LTI of 6x income
- Consider one year’s accounts
Are your clients paying packager fees?
Why force clients to pay expensive packager fees when the same products and services are available with no cost to your client and no loss of income to you?
Not using a packager?
Don't turn away any complex mortgages. We'll help you get the most out of cases you may turn down or spend huge amounts of time on.
Want to get started?
To submit a mortgage application, you will need to register and agree to our Terms of Business. This is a quick and simple process using our Hodge Adviser Portal.
Don't Forget...
Your customers also have the option of making annual 10% overpayments without penalty as well as the flexibility of our Early Repayment Promise (ERP), where they can sell-up and repay in full without early repayment charges, for added peace of mind (ERP available on 50+, RIO and Holiday Let only).
To find out more, including current rates, criteria, agreed professions for our Professional Mortgage and more please visit our intermediary site*.
*Please note the above information may be subject to change, visit our intermediary site for up to date information on all of our products and features.
- Lending up to and into retirement
- Maximising affordability
- Specialising in income complexity
- Insight-led criteria enhancements
- Bespoke underwriting