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For more than 50 years, Hodge has helped its customers achieve their financial goals with the skills and knowledge to ensure it creates products and processes for the moments that matter.
Over the years it 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.
Whether it’s with their personal mortgage, savings, or as a commercial client, Hodge supports thousands of customers across the UK.
Hodge’s Commercial clients can expect tailored solutions to suit their needs, whether that’s for development finance, residential and commercial investment or bridging options. While Hodge’s Savings team works hard to support customers who want to future-proof their finances.
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.
Lending with purpose
Why choose Hodge ?
Hodge assess applications on a case by case basis, providing mortgage solutions for customers that require specialist advice and greater financial flexibility.
- Lending up to and into retirement
- Maximising affordability
- Specialising in income complexity
- Insight-led criteria enhancements
- Bespoke underwriting
Products
- 50+
- RIO
- Professional
- Holiday Let
Products
- 50+
- RIO
- Professional
- Holiday Let
Tools and Useful Links
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.
Contact Details
Meet the Team or Find Your BDM
To ensure you get the support you need from start to finish, our brokers have 2 dedicated and experienced Business Development Managers. One in the field and another on a telephony basis.