The residential mortgage range includes features such as support for non-standard or complex income, including self-employed applicants with only one year\u2019s accounts, and options for skilled worker visa holders with no minimum UK residency or income requirements. Other offerings include joint borrower sole proprietor (JBSP) arrangements, lending into retirement, up to 95% loan-to-value on selected products, and manual underwriting without credit scoring. Buy-to-let mortgages remain limited to brokers in England and Wales.<\/p>\n<\/p>\n
The move comes as other lenders also expand their presence in Scotland. Last month, Hampshire Trust Bank extended its specialist mortgages and bridging distribution<\/a> into Scotland, providing\u00a0mortgage brokers with broader access to lending options for complex and non-standard cases across the UK.<\/p>\n \u201cWe\u2019ve seen strong demand from brokers in Scotland who are looking for greater choice and more flexible decision-making,\u201d said Laura Sneddon (pictured), head of mortgage sales & distribution at Hinckley & Rugby for Intermediaries. \u201cThis is a significant step in opening up access for more brokers and clients, and we\u2019re proud to bring our full residential proposition to Scotland<\/a>.\u201d<\/p>\n According to Claire Cherrington, DA distribution and\u00a0propositions director at Sesame Bankhall Group, there has\u00a0already been a very positive response from Scottish brokers since the launch went live.<\/p>\n","protected":false},"excerpt":{"rendered":"The residential mortgage range includes features such as support for non-standard or complex income, including self-employed applicants with…\n","protected":false},"author":2,"featured_media":43201,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[567],"tags":[64,63,37904,37905,760,5994,85],"class_list":["post-43200","post","type-post","status-publish","format-standard","has-post-thumbnail","category-rugby","tag-au","tag-australia","tag-hinckley-rugby","tag-residential-mortgage","tag-rugby","tag-scotland","tag-sports"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/posts\/43200","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/comments?post=43200"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/posts\/43200\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/media\/43201"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/media?parent=43200"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/categories?post=43200"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/tags?post=43200"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}