Hinckley Rugby BS mortgage criteria for UK visa holders

Skilled Worker, Health & Care, Global Talent, BNO and Ancestry visas; no minimum UK residency (90% cap under 12 months)

• up to 95% LTV

90% where UK residency is under 12 months

£41,700 single applicant; no minimum for NHS, private hospital or teaching roles

None required, but under 6 months needs confirmation of an extension

• up to 90% LTV

• up to 95% LTV
• Note: Product is explicitly named 'Standard Residential' (not JBSP), supporting 95% as the genuine standard-purchase headline. However their Core Mortgages category listing page (https://intermediaries.hrbs.co.uk/product-category/core-mortgages/) only showed discount products up to 90% LTV, and other reporting describes 'core residential 2yr/5yr fixed up to 90% LTV' as a separate description — some ambiguity remains between the discounted-rate range (max 90%) and the fixed-rate range (max 95%). JBSP is confirmed scheme-based: 95% for close family (parent/spouse/sibling), 80% for non-family — excluded per definition, but does not appear to be the source of the 95% figure here since a non-JBSP 'Standard Residential' product independently reaches 95%. | JBSP: 95% for close-family joint borrowers, 80% for non-family joint borrowers (both excluded as scheme LTVs)