As a manual underwriter, H&R for Intermediaries provides tailored mortgage solutions to robust but niche and extraordinary customer cases. We are always ready for a challenge! As a lender that opts not to use credit scoring systems or any other forms of automated decision making, Hinckley & Rugby considers quirky or unusual BTL and residential new business enquiries. Our senior management team and underwriters meet daily to discuss these. Popular for joint borrower sole proprietor scenarios, interest only downsizing, later life lending options and a pragmatic approach to BTL affordability, we will also consider other scenarios on an individual basis where the case in question is robust but unusual. Not only do we aim to help individuals who fall outside the conventional lending processes, we try to make the lives of our valued intermediary partners easier. Instead of spending ages filling out a mountain of paperwork, you can simply tweet the basic details of your client’s situation, including #RequestAMortgage, and a member of our Business Development team will be able to indicate whether we will be able to meet their needs. Please follow our company page. For specific cases please message us with your case or contact us via Twitter or through our website.