01455 894084
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H&R for Intermediaries, Upper Bond Street, Hinckley, Leicestershire, LE10 1NZ
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Hinckley & Rugby Building Society

H&R for Intermediaries lends across England, Scotland, and Wales, specialising in complex cases with tailored mortgage solutions to maximise borrowing potential and overcome client obstacles. With flexible criteria, manual underwriting, and no credit scoring, we assess each case on its individual merits and overall value.

Key Features Tools & Calculators

Paid by PMS

For details of when your proc fee will be paid, please click on the button below.

Paid by PMS

Proc Fees

Product	Gross	Net
All Products	0.42%	0.4%
Product Transfers	0.2%	0.18%

Proc fees - when your proc fee will be paid

Product Type	When does the lender pay PMS?	Frequency
All	The month after completion.	Monthly.

Lenders send payments by BACS which can take anything up to 5 working days to clear at PMS. PMS then make payment to brokers once the funds have cleared in our account.

Key Features

Up to 5.5x LTI on Income Flex
Skilled Worker Visas - No minimum residency, no minimum income requirements, and no minimum time remaining on the Visa is required.

BTL - First time landlord, first time buyer, and Non-owner occupier
Manual underwriting and no credit scoring

Overview

Post Code Restrictions:

Registering to use the system will give you access to an online DIP, KFI and mortgage application submission facility. The DIP does not incorporate a credit check. If you have not used the system before, you will first need to register, and this only takes a few minutes.

The Society lends in England, Scotland, and Wales.

Register

Register to place business with Hinckley Rugby Building Society:

*Please select that you are a PMS Mortgage Club member when registering, placing business or checking existing payment route to ensure you receive the procuration fee quoted by PMS.

Hinckley & Rugby for Intermediaries is the dedicated intermediary arm of Hinckley & Rugby Building Society, lending across England, Scotland, and Wales. We specialise in complex cases, offering carefully designed mortgage solutions that maximise borrowing potential and overcome common obstacles your clients may face.

With flexible criteria, manual underwriting, and no credit scoring, we assess each mortgage on its individual merits and overall case value rather than relying on automated systems. Our human approach means we work closely with you to understand the strengths of each case, often providing a decision on the day of referral. This ensures tailored support for PMS members and their more complex clients.

The Society offers lending for residential house purchases and remortgages up to 95% LTV, and up to 75% LTV for Buy-to-Let. Our specialist products support clients with non-standard incomes, including:

Up to 5.5x LTI (Income Flex)
Cases with credit issues (Credit Flex)
Skilled Worker Visas – no minimum residency, no minimum income requirements, and no minimum time remaining on the visa
Family and non-family JBSP
Tailored term lending
BTL Ltd Company top-slicing

To speak to a member of our team, please call us directly using the numbers below. Our phone lines are open Monday to Friday, 9am–5pm (closed on Saturdays, Sundays, and bank holidays).

For a new case enquiry: 01455 894084
Case recently submitted: 01455 894736
Case with the lending team: 01455 894738