Hinckley & Rugby for intermediaries has launched four two-year discount visa mortgage products across residential and buy-to-let lending.
The products, available from Friday 5 June 2026, are aimed at brokers placing cases for clients living and working in the UK on eligible visas.
The range includes two residential Skilled Worker Visa products up to 95% loan-to-value, as well as two visa buy-to-let products, one for personal applicants and one for limited company landlords.
The launch follows recent changes to Hinckley & Rugby’s visa lending criteria, including a minimum income requirement of £41,700 for single residential Skilled Worker Visa applicants. This does not apply to applicants working in teaching, the NHS or private healthcare.
For visa buy-to-let applications, the minimum income requirement for single applicants is £35,000.
The society said its visa policy takes into account UK residency, remaining visa term and loan-to-value limits, with applications assessed case by case by underwriters.
The proposition supports visa types including Skilled Worker, Health and Care, Global Talent, British National (Overseas) and Ancestry visas.
RESIDENTIAL PRODUCTS
The residential products are available for purchase and remortgage and include £250 cashback, an £800 completion fee and a payable valuation fee.
The 95% loan-to-value product is a two-year discount at 5.75% variable, 1.14% below the Homeowner Variable Rate.
The 90% loan-to-value product is a two-year discount at 5.50% variable, 1.39% below the Homeowner Variable Rate.
BUY-TO-LET PRODUCTS
The visa buy-to-let products are also available for purchase and remortgage, with a £250 application fee, £999 completion fee and payable valuation fee.
The personal buy-to-let product is a two-year discount at 5.19% variable, 1.70% below the Landlord Variable Rate, at 80% loan-to-value.
The limited company buy-to-let product is a two-year discount at 5.39% variable, 1.50% below the Landlord Variable Rate, at 75% loan-to-value.
Interest coverage ratios are 125% for basic rate taxpayers and 145% for higher and additional rate taxpayers on personal applications, with a flat 125% for limited company borrowers.
Christopher Holmes, products and proposition senior manager at Hinckley & Rugby, said: “We know that many people living and working in the UK on eligible visas can face additional challenges when it comes to accessing mortgage finance, despite having stable incomes and making a valuable contribution to the economy.
“Recent research has highlighted how affordability is becoming an increasing barrier to homeownership, particularly for key workers in sectors such as healthcare, where property prices are often outpacing borrowing power.
“That’s why it’s important that lenders continue to provide options that help more borrowers achieve their homeownership ambitions.
“These new products further strengthen our Visa proposition, providing brokers with more choice across both residential and buy-to-let lending.
“By offering lending up to 95% LTV on residential applications and maintaining a flexible approach to eligible visa types, we’re helping intermediaries support a wider range of clients who may find their options more limited elsewhere.”
