Hinckley & Rugby enters Scottish mortgage market with residential lending launch

Hinckley & Rugby for Intermediaries has expanded its residential mortgage offering into mainland Scotland for the first time, allowing brokers across the country to access its full range of products.

The launch is initially available through PMS Mortgage Club and Sesame Network, with broader distribution expected later this summer.

The building society’s product range includes Income Flex for complex incomes, Skilled Worker Visa lending, joint borrower sole proprietor (JBSP) mortgages, and up to 95% LTV on selected products.

All residential cases benefit from manual underwriting with no credit scoring. Buy-to-let products remain limited to England and Wales.

Laura Sneddon (pictured), head of mortgage sales and distribution at Hinckley & Rugby for Intermediaries, said: “We’ve seen strong demand from brokers in Scotland who are looking for greater choice and more flexible decision-making.

“Our manual underwriting, service-led approach, and willingness to consider complex cases really sets us apart, especially in a market where building society options remain limited.

“This is a significant step in opening up access for more brokers and clients, and we’re proud to bring our full residential proposition to Scotland.”

Claire Cherrington, DA distribution and propositions director at Sesame Bankhall Group, added: “There’s already been a very positive response from Scottish brokers since the launch went live, and we’re confident this will continue.

“Hinckley & Rugby for Intermediaries brings something different to the market, not just in terms of criteria, but the way they engage with brokers and support cases through to completion.

“At Sesame Bankhall Group, we’re committed to being a Proactive Partner for Life, helping firms to start, run, grow and exit.

“This expansion reflects that ethos perfectly, enabling us to extend meaningful support to brokers in Scotland and help them unlock new opportunities for their clients.”

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