Hodge

Hodge has been serving customers for over 50 years. They specialise in providing a range of Residential and BTL Mortgages, with a focus on the over 50’s and holiday let markets, along with a variety of Commercial Lending and Savings products. Their expertise and knowledge in the markets they serve help their customers to fulfil their ambitions.

They design their products with the consumer in mind, making things simple and straightforward.

Whether it’s saving for a rainy day or life event, investing in or developing property, or using one of their specialised mortgages for your clients cherished home, they’re here to help them get to where they want to be.
 
Paradigm members get semi-exclusive access to Hodge’s Professional Mortgage!
Helping professional customers climb the property ladder and career ladder at the same time.
 
Criteria
  • Age 21 to 50 at application, servicing a range of newly qualified and established professionals
  • Up to 6 x LTI at 80% LTV and up to 5 x LTI at 90% LTV, including income from a non- professional joint applicant
  • Newly qualified professionals accepted from day 1
  • Earned income accepted up to retirement age 75
  • Minimum income £30k or £50k joint (if only one is applicant is a professional, they must meet the minimum £30k)
  • 100% of verified income considered, including retained profit
  • Barristers accepted during Pupillage with affordability based on chambers projections 
  • Foreign nationals’ resident in the UK for 18 months considered, max 80% LTV + 2 years remaining on tier 1 or 2 visa subject to individual review

Proposition 
  • A bespoke service designed to deliver individualised mortgage solutions
  • Experienced and dedicated BDM 
  • Underwriters who understand the complexities and challenges of professional income   
  • All applications manually assessed on a case-by-case basis

You can access full product information, downloadable resources and case studies via Hodge’s exclusive pilot website by clicking here.
 

Proc Fees

Product Gross Net Gross Min Gross Max
50+ Residential Mortgage, Retirement Interest Only, Holiday Let and Portfolio BTL 0.55% 0.50% £225 No max
Residential Product Transfer 0.25% 0.23% No min No max
Hodge

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