Mortgages

Hodge Mortgages

Access Hodge's specialist later-life and buy-to-let mortgage products through Doulton Bridging Finance. Expert lending for retirement and property investment.

Later Life and BTL Specialist

Specialist lending for life's later chapters

Hodge is a Cardiff-based specialist lender with a strong reputation in later-life mortgage lending and buy-to-let finance. They understand that borrowing needs do not stop at retirement and offer products that allow older borrowers to access mortgage finance on terms that work for their situation.

Through Doulton Bridging Finance, you can access Hodge's full product range with expert advice on which solution best fits your needs. Whether you are looking at retirement interest-only as an alternative to equity release, or seeking a competitive buy-to-let mortgage, we guide you through the options.

Later Life

Specialist

RIO

Products

BTL

Range

Pension

Income Accepted

Why Doulton

Hodge mortgages through Doulton

Later Life Specialist

Hodge is one of the UK's leading later-life mortgage lenders, offering products specifically designed for borrowers aged 55 and above who need flexible lending into and through retirement.

Retirement Interest-Only

Hodge's retirement interest-only mortgages allow older borrowers to maintain a mortgage with interest payments only, without a fixed end date tied to a specific age.

Buy-to-Let Products

Competitive buy-to-let mortgages for individual and limited company landlords, with criteria that accommodate a wide range of property types and borrower profiles.

Pension Income Accepted

Hodge understands retirement income and can assess applications based on pension income, investment drawdowns, and other post-retirement financial arrangements.

Equity Release Alternative

For borrowers considering equity release, Hodge's later-life products may offer a more cost-effective alternative that preserves more of your property's value for your beneficiaries.

Experienced Underwriters

Hodge's underwriting team specialises in later-life and specialist cases, with the expertise to assess complex retirement income and property situations.

The Process

How it works

Circumstances Review

We discuss your situation in detail, focusing on your retirement income, property plans, and whether Hodge's later-life or buy-to-let products suit your needs.

Product Comparison

We compare Hodge's products against alternatives including equity release to ensure you are choosing the most appropriate and cost-effective solution.

Application Preparation

We prepare your application with all necessary documentation, presenting your retirement income and financial position clearly to Hodge's specialist underwriters.

Completion

We manage the mortgage through to completion, coordinating with Hodge and your solicitor and ensuring you understand all terms before proceeding.

Discuss Hodge mortgage options

Whether you need later-life lending or a buy-to-let mortgage, let us connect you with Hodge's specialist products. Get expert advice today.

Get a Quote Speak to an Adviser

FAQs

Frequently asked questions

Can I get a Hodge mortgage through Doulton?

Yes. We hold broker agencies with Hodge where available and can access their intermediary product range. Where Hodge is not the right fit, we will benchmark their offer against every other lender on our panel and recommend the most cost-effective overall deal.

Why apply to Hodge via a broker rather than direct?

Most UK mortgage lenders reserve a portion of their range - often including their sharpest rates - for intermediary-introduced business. Going through a broker also means you are not locked to one lender's criteria: if Hodge cannot take your case, we can place it elsewhere without a declined application showing on your credit file.

What LTV and loan size does Hodge offer?

Hodge's maximum LTV and loan size vary by product and property type. We check current criteria at the point of enquiry - residential, buy-to-let, high-value and specialist ranges each have their own limits. Tell us your requirement and we will come back with exactly what Hodge can support today.

What if my application is complex - non-standard income, expat status, adverse credit?

Mainstream high-street lenders are rarely the right home for complex applications. We work with specialist, private and challenger banks alongside the names you will recognise, which means we can often place cases that would be rejected by a direct approach.

How long does a mortgage application take?

Typical timelines are 2-4 weeks from application to offer for straightforward cases, and 4-8 weeks for cases needing valuation, specialist underwriting or complex income review. Exchange and completion after that is driven by your conveyancer's pace.

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