Support for borrowers with complex income from age 21 up to 95
Getting onto, or moving up, the property ladder has never been more challenging. To help your customers take the step they need, we’ve taken our commitment one step further by adding 95% loan-to-value (LTV) mortgage options across our Hodge Resi and Hodge Resi Retire ranges.
For us, it’s not just about a lower deposit, it’s about pairing that extra affordability with the tailored flexibility we’re already known for, helping more customers secure the right home for their future.
Greater access for borrowers who don’t fit the standard mould
We know many customers don’t always fit neatly into a standard high street lender’s box. They may have strong credit but complex income structures that need a more bespoke way of lending.
These enhancements give brokers more ways to help these customers, whether they’re first-time buyers, second-steppers or high earning professionals with limited deposits or navigating major life changes like divorce.
Our 95% LTV mortgages are available to:
This flexibility removes unnecessary limitations and allows for a more personalised approach to affordability.
- Customers aged 21 up to 95
- Those who need 100% of all income accepted including retirement income
- Earned income up to the age of 80
- Applicants with complex incomes, including self-employed
- Borrowers on terms of up to 40 years
- Customers who’ll benefit from manual underwriting so we can assess on a case-by-case basis
Why now?
These latest enhancements align with our shift towards “lifelong lending”, bringing together core residential and retirement propositions where lending is based on a customer’s aspirations rather than their age.
A few words from Emma Graham...
“Today’s borrowers are getting on the property ladder later and expect more from their first mortgage. Many have strong incomes and career potential but lack a large deposit or have income structures that don’t fit the high-street mould.
These changes respond directly to broker feedback and findings from the Financial Conduct Authority’s (FCA) discussion paper – The Future of the Mortgage Market, creating a compelling proposition for these customers and supporting good outcomes.
This is about giving them the flexibility and personal approach they need to secure the right home for their future.”
We make changes based on real customer need
We’ve seen a growing segment of customers in their 30s and 40s, often without financial support, looking for homes in desirable areas. They’re sometimes older first-time buyers or second -steppers juggling high rent and rising costs. By accommodating complex incomes and applying a common sense approach to underwriting, lower deposit options enable high-quality borrowers to access greater mortgage opportunities.
Find out more
For more product details and criteria, visit our broker portal or speak to your local BDM today.