Hodge
Specialist LenderHodge is a Cardiff-based specialist lender offering equity release, commercial mortgages, and buy-to-let products. As a family-owned financial services group, they bring a long-term perspective to lending and are particularly well known for their later-life lending expertise.
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About Hodge
Hodge is a Cardiff-based financial services group with a long history in specialist lending. The business is family-owned, bringing a long-term perspective to lending decisions. Hodge is particularly well known for its later-life lending expertise, offering equity release products alongside commercial mortgages and buy-to-let.
Hodge has built deep expertise in the equity release market, helping homeowners aged 55 and over access the value in their homes. The lender also serves commercial and buy-to-let customers. Hodge's family ownership allows it to take a patient approach to lending and customer relationships.
Hodge works through qualified financial advisers for equity release and through mortgage brokers for commercial and BTL. The lender is regulated by the FCA and is a member of the Equity Release Council.
Lending Focus
Hodge offers mortgage products across 3 categories including Buy-to-Let, Commercial, Equity Release.
Key Features
- Equity release and later-life lending specialist
- Commercial mortgage products for business owners
- Buy-to-let lending for experienced landlords
- Family-owned business with long-term stability
- Welsh-headquartered with strong regional presence
Pros & Cons
Pros
- Specialist in equity release and later-life lending
- Family-owned business providing long-term stability and commitment
- Covers equity release, commercial, and buy-to-let in one group
- Strong Welsh regional presence with experienced local teams
Cons
- –Broker-only — cannot apply direct
- –Maximum 75% LTV across products
- –Not suitable for standard residential homebuyers
Fees & Charges
- Arrangement Fee
- Typically £995–£1,495 depending on product
- Valuation Fee
- Based on property value — usually £250–£1,500
- Early Repayment Charge
- Varies by product — equity release may have ERCs in early years
- Overpayment Allowance
- Varies by product — some equity release plans allow voluntary payments
Mortgage Rates
Rate data coming soon. View rates on Hodge
| Product | Initial Rate | Type | Initial Term | Revert Rate |
|---|---|---|---|---|
| 2 Year Fixed | TBC | Fixed | 24 months | TBC |
| 5 Year Fixed | TBC | Fixed | 60 months | TBC |
| Tracker | TBC | Variable | 24 months | TBC |
Application Process
- Processing Time
- 3–6 weeks from application to offer
- Online DIP
- Yes — available online
- Offer Valid For
- 6 months
Lending Criteria
- Maximum LTV
- 75%
Frequently Asked Questions
Does Hodge offer equity release?
Is Hodge a family-owned company?
Does Hodge offer commercial mortgages?
How to Apply
Broker only. Hodge products are available through mortgage brokers. Find a broker with Hodge on their panel.
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Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice. Always verify lender details directly and seek independent advice before making financial decisions.