Hinckley & Rugby for Intermediaries launches new Income Flex products at 95% LTV and cuts selected rates

21 January 2026

Hinckley & Rugby for Intermediaries has today (21.01.26) announced a wide-ranging product update, including the launch of new Income Flex products, a new limited company buy-to-let option, some selected rate reductions, and term extensions across several core ranges.

Effective immediately, the Society has introduced three new Income Flex products at 95% LTV. These products are aimed at borrowers with more complex or varied income profiles, where manual underwriting and flexibility around affordability are required. They are intended to support brokers working with higher-LTV purchasers, including first-time buyers and home movers.

The new Income Flex products include:

Two-year discount at 5.59% variable; 1.30% below the Homeowner Variable Rate (HVR).
Two-year fixed at 6.50%.
Five-year fixed at 6.50%, available until 31 March 2031, at 95% LTV.

Alongside this, Hinckley & Rugby for Intermediaries has also launched a new limited company buy-to-let product, designed for brokers supporting landlords who want short-term flexibility and competitive pricing within a company structure..

This is a two-year discount priced currently at 5.4% (1.49% below the HVR), and available up to 70% LTV. This limited company BTL product is offered with a £999 completion fee and a £250 application fee, offering choice on the standard 1% fee for these products.

The update also includes a rate reduction of up to 25 basis points (bps) on its five year Income Flex 80% LTV product fixed at 5.69%.

For further information on Hinckley & Rugby for Intermediaries’ products, please visit: https://intermediaries.hrbs.co.uk/

Laura Sneddon, Head of Mortgage Sales and Distribution at Hinckley & Rugby for Intermediaries, said:

“At the start of the year, brokers are already dealing with a broad spread of client needs, from higher-LTV purchasers seeking to meet and match affordability, to landlords reassessing how they structure borrowing in the near-term. Product design has to reflect that reality rather than force cases into rigid categories.

“By introducing Income Flex up to 95% LTV, re-pricing selected five-year fixed products, and extending product end dates, we are giving brokers clear, workable options they can rely on when structuring cases in the current market.”