If you hear Hodge and think Equity Release, then we’ve not been doing our job properly. If you have a customer with complex income and eyes on their dream home and don’t think Hodge, then you’re not doing your job properly.

We keep saying later life is changing, but really, life in general is changing. The life stages we thought we knew so well – graduation, first job, first home – don’t look anything like they used to. The cost of living continues to rise and the average age of first-time home buyers in the UK is now 34.

Not only that, there’s also the growth of the gig economy, the demise of final salary pensions and the ever-changing perception of what work/life balance really looks like. Basically, we’re all operating in a constant state of flux so it’s our job – yours as brokers and ours as lenders – to change with the times. There’s no more “build it and they will come”, they’re building a life that’s right for them and it’s down to us to create and find products to support that life.

Hodge for first-time buyers

So, what does all of this mean? Firstly, and we really need you to take it in this time, Hodge is not just a later life lender. We repeat, HODGE IS NOT JUST A LATER LIFE LENDER! That’s not to say we can’t support your later life clients, of course we can. We led the way with RIO, we know the over 50’s market inside out, and it’s thanks to that knowledge and our commitment to research and insight that we’ve seen a shift in borrower needs.

The fact many first-time home buyers are in their mid-30s is having a huge impact on the mortgage market, which is why we introduced our Hodge Resi Mortgage which is suitable for customers aged 21 right up to retirement.

See, Hodge is not just a later life lender!

Hodge for complex clients

Back to what this means for you with this second point. Now you know HODGE IS NOT JUST A LATER LIFE LENDER, it would be good to know what Hodge is, wouldn’t it?

Hodge is a lender that specialises in finding the niche within the niche, helps you make sense of the complex and recognises the need to accept multifaceted income streams.

Whether it’s a client with a high net worth, a self-employed client or one who has multiple income streams, come to Hodge to place that case which falls outside the neat ‘tick box’ underwriting.

Hodge for you

We know the life of an adviser is trickier than ever but the team at Hodge is always on hand to help you find the mortgage that works for your client.

No two cases or clients are the same, which is why our manual underwriting process is essential when dealing with multiple income streams. Our human, case-by-case approach is what sets us apart, making us specialists in the complex, NOT JUST LATER LIFE.

So, next time you’re chatting to a client in their mid-30s whose income is anything but ordinary but has their heart set on their forever home, think Hodge.

Speak to your local Hodge BDM about our real-life mortgages – designed for all ages.