Rob Collins has returned to Sirius Finance as a senior associate, having previously worked at the London-based specialist financial brokerage as one of its founding directors. He joined the Brightstar Group in 2012 and was a director at both Brightstar from 2014, and Sirius between 2016 and 2021. He has also spent the last three years living and working in New Zealand. He brings over 30 years of experience in financial services to the role, during which time, he has also held the position of director at the NACFB. Simon Nichola has also returned to the Brightstar Group as senior associate at Sirius Finance, bringing 20 years’ experience in property finance to the role.

Hinckley & Rugby Building Society has added a new mortgage product to its income flex range at 95% LTV. The product comes with a two-year discount rate of 6.45% and is aimed at homebuyers who have non-standard and complex incomes. The society said that this could include individuals seeking higher income multiples, consideration of irregular income patterns, multiple income sources or consideration of the profits of their business. The products are not suitable for those who cannot meet the lender’s standard credit history criteria, such as those who have missed payments or defaults.

Pure Retirement has unveiled a major refresh of its emerald range of lifetime mortgages, designed to offer consumers greater choice through new features, increased LTVs, and criteria improvements, in addition to lower pricing across the range. The range has been redesigned with a new drawdown facility, featuring a minimum drawdown of £500, increased LTVs up to a maximum of 47% and the removal of arrangement fees on both initial and further advance borrowing. Free valuations are now available across the range. Emerald also includes additional flexibility with fixed early repayment charges for just seven years and with annual ERC-free optional partial repayments up to 12%.

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