In today’s market, affordability remains tough, thanks to the higher interest-rate environment and over a decade of rising property prices. It is with this in mind that Hinckley & Rugby Building Society has made a number of significant improvements to the criteria on its Income Flex mortgage. Technically known as Tronc payments, these tips are often a significant part of workers' remuneration in these industries. Hinckley & Rugby has also extended the maximum LTV available to certain categories of workers. At Hinckley & Rugby, we pride ourselves on doing things differently.