Hinckley & Rugby for Intermediaries introduces new 80% LTV buy-to-let options and cuts limited-company rate

06 May 2026

Hinckley & Rugby for Intermediaries has today announced the launch of new buy-to-let two-year discounted products available up to 80% LTV, alongside a 0.4% rate reduction on its limited-company product, aimed at supporting brokers placing landlord cases across both purchase and remortgage scenarios.

Available immediately, the new range of two-year discounted products have rates starting from 4.99%, and are available for landlord borrowers seeking to purchase or refinance.

Hinckley & Rugby said the introduction of these higher LTV options would provide brokers with access to mortgage solutions in a part of the market where product choice has historically been more limited, particularly for landlords operating through limited-company structures.

Alongside the new discounted range, Hinckley & Rugby has reduced the rate on its limited-company buy-to-let two-year discounted product at 70% LTV by 0.4%, from 5.40% to 5%, which comes with a £1,249 fee.

The lender said the changes were intended to support brokers working with a broad range of landlord borrower clients, including those seeking shorter-term flexibility during an uncertain time for interest rates.

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

“Five-year fixed-rates have been the default for many landlords for a reason, particularly from an affordability and rental coverage perspective, but that doesn’t always reflect how clients are thinking in the current market.

“What we are seeing more often now is brokers weighing up that trade-off more carefully. While fixed-rates can work well from that point of view, not every landlord wants to lock in at today’s pricing.

“That is especially the case in a market where the Bank of England has held the base rate and the direction of travel is still unclear. It leaves brokers and their clients trying to balance affordability with flexibility, rather than committing too early.

“That is where discounted products start to come back into the conversation. They are not always the easiest to place, but they can offer a level of flexibility that some clients are actively looking for.

“By introducing 80% LTV options and adjusting pricing across the range, we are giving brokers more scope to structure cases around those real conversations, rather than relying on a single approach.”

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