Hinckley & Rugby for Intermediaries has expanded its residential mortgage lending into mainland Scotland, marking the first time the mutual has offered its products north of the border.

Scottish brokers can now access the Society’s full suite of residential mortgages, including its Income Flex, Credit Flex and Core ranges. Initially available via PMS Mortgage Club and Sesame Network – both part of Sesame Bankhall Group – the range is expected to be rolled out to a wider distribution panel by the end of the summer.

The Society confirmed there are no changes to product criteria, with Scottish borrowers gaining access to the same manually underwritten offering already available across England and Wales.

Among the key products in the Society’s residential range are its Income Flex mortgage, which supports self-employed borrowers using just one year’s accounts or net profit, and its Skilled Worker Visa product, which features no minimum UK residency, income or visa duration requirements.

Lending into retirement, JBSP and up to 95% LTV are also available on selected products, with all applications assessed manually and no use of automated credit scoring.

Buy-to-let mortgages remain restricted to England and Wales.

Laura Sneddon, head of mortgage sales and distribution at Hinckley & Rugby for Intermediaries, said the decision followed growing interest from advisers north of the border.

“We’ve seen strong demand from brokers in Scotland who are looking for greater choice and more flexible decision-making,” she said.

“Our manual underwriting, service-led approach, and willingness to consider complex cases really sets us apart, especially in a market where building society options remain limited.

“This is a significant step in opening up access for more brokers and clients, and we’re proud to bring our full residential proposition to Scotland.”