hodge ban
Hodge Bank is a Cardiff-based, FCA/PRA-regulated specialist UK bank offering savings accounts, complex-income and retirement mortgages, and real estate finance, distributed via direct online channels for deposits and through IFAs, brokers, and intermediary networks for lending.
- Company typePrivate
- Founded1987
- HeadquartersCardiff, United Kingdom
- Headcount—
- GTM typeB2B and B2C
- OfferingServices
What hodge ban does
Hodge Bank is a privately held UK specialist bank (trading name of Julian Hodge Bank Limited, registered in England and Wales, FCA/PRA-regulated under registration 204439) headquartered in Cardiff with 284 employees and £50.5 million of disclosed turnover in its FY2025 annual report. It operates across three product pillars: retail savings (Easy Access accounts, Fixed Rate Bonds, and Cash ISAs funded directly to consumers via an online banking platform at mysavings.hodgebank.co.uk), specialist residential mortgages (Resi for complex-income borrowers, Resi Retire and Retirement Interest Only for the over-50s, and Holiday Let mortgages), and real estate finance (development finance and investment finance for property developers and investors). All mortgage products are distributed exclusively through independent financial advisers and mortgage brokers, supported by a dedicated 'Hodge for Intermediaries' portal and partnerships with intermediary networks including FIBA, Unbiased, and Brickflow.
The technology stack centres on a digital savings platform with a Modulr-integrated payments layer, complemented by web-based intermediary tooling for application processing. Distribution is hybrid: direct-to-consumer for savings and intermediated for mortgages and REF, the latter reflecting the specialist nature of the underwriting. Revenue is generated primarily through net interest spread between the rates paid on savings deposits and the rates charged on mortgage and development lending, plus interest income from REF facilities; pricing is not publicly tiered and is conveyed via competitive headline rates rather than transparent rate cards.
Strategically, Hodge is a 50+ year specialist lender that has narrowed its focus in recent years — selling its Life Assurance arm to RGA in February 2021 — while broadening its distribution through partnerships (Modulr 2022, FIBA 2021, Brickflow 2021), making equity investments in Welsh fintech Yoello (2021) and net-zero platform Sero alongside Legal & General (2022, with a follow-on in 2023), and executing its first material diversification beyond the core perimeter with the 2026 acquisition of Blue Motor Finance. Leadership was refreshed with David Landen formalised as permanent CEO, a new CFO appointed, and John Carter brought in to lead the Real Estate Finance division.
hodge ban firmographics
Firmographics- Name
- hodge ban
- Legal name
- Julian Hodge Bank Limited
- Website
- https://hodge.co.uk
- Company type
- Private
- Founded year
- 1987
- Operating status
- Operating
- Short description
- Hodge Bank is a Cardiff-based, FCA/PRA-regulated specialist UK bank offering savings accounts, complex-income and retirement mortgages, and real estate finance, distributed via direct online channels for deposits and through IFAs, brokers, and intermediary networks for lending.
- Ownership category
- akta.pro rank
hodge ban industry classification
Industry- Product category
- Specialist Banking
- NAICS
- Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (522180), Credit Intermediation and Related Activities (522)
- SIC
- Mortgage Bankers & Loan Correspondents (6162), Savings Institutions, Not Federally Chartered (6036)
- akta.pro primary industry
- Balance-Sheet / Portfolio CRE Lending (FSALADAG)
Keywords
Where hodge ban is headquartered
LocationHeadquarters
- HQ city
- Cardiff
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
hodge ban business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales
Revenue model
- Savings Deposits: Attracts savings deposits from UK customers and uses these funds to provide mortgage lending. Earns interest spread between savings rates paid and mortgage rates charged.
- Mortgage Lending: Provides residential mortgages, retirement mortgages, and real estate finance. Generates revenue through interest on mortgage loans.
- Real Estate Finance: Development finance and investment finance for property developers and investors, generating interest income.
- Turnover: Total turnover of £50.5 million for Julian Hodge Bank Ltd as a Credit Institution in Financial Services
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Easy Access Savings - Flexible savings with quick access |
| Subscription | Annual | Fixed Rate Bonds - Fixed term savings products |
| Subscription | Annual | Cash ISAs - Tax-efficient savings |
| Other | Monthly | Residential Mortgages - Including complex income mortgages |
| Other | Monthly | Holiday Let Mortgages - Up to £1.5m borrowing |
| Other | Monthly | Holiday Let Mortgage |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
hodge ban product offering
Product offeringCore offering
Hodge Bank provides UK savings accounts (Easy Access, Fixed Rate Bonds, Cash ISAs), specialist residential mortgages for borrowers with complex income or retirement circumstances, and real estate finance for property developers and investors. Savings are offered directly to consumers, mortgages are distributed largely through UK mortgage intermediaries, and real estate finance is underwritten by a dedicated in-house team for commercial customers.
Product overview
Hodge Bank is a UK-based financial services company offering savings, mortgages, and real estate finance products. The savings portfolio includes Easy Access accounts, Fixed Rate Bonds, and Cash ISAs. The mortgage range comprises Resi Mortgage for complex income borrowers, Resi Retire Mortgage for retirement borrowers, Retirement Interest Only (RIO) Mortgages for customers aged 50+, and Holiday Let Mortgages. Real Estate Finance includes Development Finance for property developers and Investment Finance for property investors. All Hodge mortgages are intermediated through financial advisers.
Differentiator
Problem solved
Functional benefit
Brands
- Resi: Residential mortgage product for borrowers with complex income streams, including employed and self-employed customers with diverse income requirements.
- Resi Retire
- Retirement Interest Only (RIO)
- Holiday Let
Companies that use hodge ban
Customer profileNamed customers8 records
Segments5 records
Ideal customer profiles3 records
hodge ban technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
hodge ban partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- ModulrcoreHodge partnered with fintech Modulr to provide an enhanced payments experience for savings customers. The partnership enables improved payment processing capabilities for the digital savings platform, allowing faster and more efficient fund transfers.
- FIBAcoreHodge joined FIBA as a lender partner, expanding distribution for its real estate finance products through FIBA's network of brokers and intermediaries in the commercial property finance space.
Scale indicators5 records
Recent moves8 records
Expansion highlights5 records
hodge ban competitors and assessment
Company assessmentDirect peers
- Saffron Building Society: UK building society offering savings products and residential mortgages, including later-life and complex-income lending. Comparable mutual/regional building society business model with similar product breadth.
- Aldermore Bank: UK challenger bank providing savings, residential and buy-to-let mortgages, and commercial property finance. Operates with a comparable deposit-funded specialist lending model and intermediated mortgage distribution.
- Vida Homeloans: UK specialist residential mortgage lender focused on complex income, self-employed, and later-life borrowers (including retirement interest-only). Closely aligned with Hodge's specialist Resi, Resi Retire, and RIO proposition.
- Shawbrook Bank: UK specialist lender focused on buy-to-let, complex-income residential, and commercial property finance, funded by retail and business savings. Directly comparable niche specialist strategy and intermediary distribution.
- Paragon Bank: UK specialist bank offering savings accounts and a mix of residential, buy-to-let, and commercial property mortgages. Closely comparable to Hodge in business model, product mix (deposits funding specialist lending), and intermediated distribution.
- Castle Trust: UK specialist savings and property finance provider offering savings products alongside residential and buy-to-let mortgages. Similar niche deposit-and-lending balance sheet structure.
- Principality Building Society: Welsh-headquartered mutual building society offering savings, residential mortgages, and commercial property finance. Direct geographic and product-line peer to Hodge within the UK/Welsh market.
- OneSavings Bank (Kent Reliance / Charter Savings): UK specialist lender and savings bank (Kent Reliance and Charter Savings Bank brands) with buy-to-let, residential, and commercial real estate lending. Comparable deposit-funded specialist lender model.
Broad incumbents
- Atom Bank: UK digital challenger bank offering savings and residential mortgages with a strong app-led proposition. Comparable as a UK digital savings and mortgage provider, though broader and more retail-focused than Hodge's specialist complex-income niche.
- Metro Bank: UK challenger bank offering savings, residential mortgages, and commercial lending across a multi-channel platform. Comparable as a UK non-traditional deposit-taker and mortgage provider, though materially larger and broader than Hodge.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
hodge ban social profiles
Digital presencehodge ban compliance and trust
Trust signalCompliance4 records
hodge ban financial estimates
Financial estimateRevenue estimate
Valuation estimate
hodge ban leadership team
Management profileNumber of profiles
Profiles4 records
hodge ban funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
hodge ban M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about hodge ban
What does hodge ban do?
Hodge Bank provides UK savings accounts (Easy Access, Fixed Rate Bonds, Cash ISAs), specialist residential mortgages for borrowers with complex income or retirement circumstances, and real estate finance for property developers and investors. Savings are offered directly to consumers, mortgages are distributed largely through UK mortgage intermediaries, and real estate finance is underwritten by a dedicated in-house team for commercial customers.
Is hodge ban a public or private company?
hodge ban is a private company. It is classified as unknown and is currently operating.
When was hodge ban founded?
hodge ban was founded in 1987.
Where is hodge ban based?
hodge ban is headquartered in Cardiff, United Kingdom, in the Europe region.
How does hodge ban make money?
Four revenue lines are on record. Savings Deposits are the primary driver. The others are mortgage Lending, real Estate Finance and turnover.
Who are hodge ban's main competitors?
Direct peers on record are Saffron Building Society, Aldermore Bank, Vida Homeloans, Shawbrook Bank, Paragon Bank, Castle Trust, Principality Building Society and OneSavings Bank (Kent Reliance / Charter Savings). Broad incumbents are Atom Bank and Metro Bank.
Does hodge ban have an API?
No public API is recorded for hodge ban.
What industry is hodge ban in?
hodge ban's product category is Specialist Banking. Its primary akta.pro industry code is FSALADAG, Balance-Sheet / Portfolio CRE Lending. Its NAICS code is 5221 and its SIC code is 6162.