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Hinckley & Rugby Building Society: Mortgages reviews

Name: Mortgages
Rating: 4.49 (394 reviews)

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4.59

Based on 394 reviews, last reviewed 28th Jan 2026

No new 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

78%

Latest highest rating:

5

Smooth process my heartfelt thank you for all , you guided me through the entire process with professionalism, transparency, and patience. Reviewed on: 28th January 2026

Latest lowest rating:

1

Slow, poor value and unhelpful Took 8 months to arrange a remortgage, response to any communication always exceptionally slow and often asked to provide the same information multipl... Read more Reviewed on: 24th May 2024

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About this product

Hinckley & Rugby Building Society only provide new mortgages that are arranged through a mortgage broker.

Hinckley & Rugby Building Society have partnered with the Mortgage Advice Bureau. They provide mortgage guidance searching through over 90 lenders to find you a lender.

Hinckley & Rugby Building Society mortgage reviews help you find out what it’s really like to be a customer. If you’ve used Hinckley & Rugby Building Society before, you can also leave a review and share your experience.

Hinckley & Rugby Building Society Mortgages reviews (394)

Review of the Hinckley & Rugby Building Society, Mortgages:

Compliance issues, GDPR Breaches and incompetence

I’ve never written an online review but felt this necessary. I recently had the misfortune of dealing with Rugby Hinkley for my mortgage (which I now have with them), and the experience was and currently is, nothing short of a nightmare. From GDRP breaches to flat-out lying! If I could give them zero stars, I would. From start to finish, their ineptitude and lack of professionalism left me questioning how such a company could still be in business. Firstly, the communication was abysmal. My inquiries [via my broker] fell into a black hole, never to receive a timely or coherent response. Phone calls went unanswered, emails were ignored, and the few times I did manage to get my questions answered, they seemed clueless about my file. It was as if their left hand didn't know what the right hand was doing. Not only that they sent me confidential documents of another mortgage application that had nothing to do with mine. I replied to that email to let them know and I simply got a reply “Ignore that email” – Talk about a GDPR breach! The incompetence extended to the handling of my application. Documents were lost, information was incorrectly recorded, and I was constantly asked for the same information multiple times. It was a frustrating and time-consuming process that left me wondering if they even understood the basics of mortgage processing. Not only that the exchange was pushed back and back due to lost files. On the last day, I had a deadline to send them a direct debit mandate that was sent months prior, during the initial application process. This was hours before my 4pm deadline [or the exchange and completion were not going to happen] which would have caused the whole chain to collapse. I took two days off work to babysit their ineptitude and excuses. The sellers of the property managed to get hold of my number [not the done thing] so we could try and work together to work this out. But perhaps the most infuriating part was the lack of transparency. Claiming they had not received documents when I had proof from my solicitors. Quote from my solicitor “In 13 years as a mortgage solicitor, I’ve never seen anything like this. I will be recommending clients stay clear of them.” It's a blatant lack of integrity that I find utterly unacceptable. To add insult to injury, the exchange and completion process was a disaster. Dates were missed, causing unnecessary delays and putting my entire home purchase in jeopardy. It was clear that Rugby & Hinkley had no regard for their customers' time or the gravity of the financial decisions we were making. I cannot wait until my two years is up to change provider. In summary, dealing with Rugby & Hinkley was a regrettable experience that I wouldn't wish on my worst enemy. Their incompetence & lack of communication, make them a prime example of what's wrong with the mortgage industry. If you value your time, money, and sanity, I strongly advise you to steer clear of this company. There are plenty of reputable mortgage providers out there – Rugby & Hinkley is not one of them. UPDATE 1: I didn’t post this when I originally intended to as I felt the dust had settled and I would gain anything from it. However, since then my first payment was due to come out on the 15th of January and it didn’t. A few days later I had a letter from R&H claiming I didn’t send them my mortgage direct debit mandate. How is this even possible? To exchange the property they required it and my solicitor sent it to them on the final day (for the 4th time) they now have 4 direct debit mandates! And official correspondence to my solicitor stating that they have received it. UPDATE 2: The saga continues. I’ve now received an email from their completions department from a ‘Lending Support Officer’ stating that I owe £849.60 in interest because I didn’t set up a direct debit mandate! I am seeking legal advice to get out of the mortgage and transfer to another company on the grounds of compliance issues and GDPR breaches. Reviewed on: 24th February 2024

Reply from Hinckley & Rugby Building Society We are very sorry that you were unhappy with the service provided. We are taking this feedback seriously and will be in touch with you shortly. We hope that we will be able to provide more context around the processing of your application, and answer any questions you may have. Response date: 26th February 2024

Friendly, helpful, supportive

Really helpful assistant, fun, friendly, efficient and clear. Excellent help Reviewed on: 27th July 2023

Reply from Hinckley & Rugby Building Society Thank you for taking the time to leave a review. We appreciate the feedback and will pass this on to the team Response date: 31st July 2023

Finalising my mortgage and offset savings accounts

Very professional and checked out all my concerns. My sure everything was in order before leaving the call Reviewed on: 26th July 2023

Reply from Hinckley & Rugby Building Society Thank you for taking the time to leave a review. We appreciate the feedback and will pass this on to the team Response date: 31st July 2023

Very helpful

Got all the info I needed to progress my new mortgage Reviewed on: 25th July 2023

Reply from Hinckley & Rugby Building Society Thank you for taking the time to leave a review. We appreciate the feedback and will pass this on to the team Response date: 26th July 2023

Excellent service

Simone Jones (Contract Variations Assistant) was very helpful during my call. She handled my enquiry in both an efficient, yet friendly way and took time to ensure that I fully understood what I needed to know. Excellent customer service. Reviewed on: 25th July 2023

Reply from Hinckley & Rugby Building Society Thank you for taking the time to leave a review. We appreciate the feedback and will pass this on to the team Response date: 26th July 2023

very friendly and efficient

Most of the time I have been completely satisfied with the service - however on a few occasions I have been promised call backs and they never happened at all. Reviewed on: 24th July 2023

Reply from Hinckley & Rugby Building Society Thank you for taking the time to leave a review. We appreciate the feedback and will pass this on to the team Response date: 26th July 2023

Friendly/Helpful Staff

I would recommend this building society as I found them extremely helpful in my hour of need they dealt with the dilemma I found myself in quicker and efficiently with their no fuss attitude Reviewed on: 22nd July 2023

Reply from Hinckley & Rugby Building Society Thank you for taking the time to leave a review. We appreciate the feedback and will pass this on to the team Response date: 24th July 2023

Great company

Very kind and helpful staff, always easy to talk to, and always ready to help. Reviewed on: 21st July 2023

Reply from Hinckley & Rugby Building Society Thank you for taking the time to leave a review. We appreciate the feedback and will pass this on to the team Response date: 24th July 2023

Confirmation

I was contacted to say my money was received and email confirmation I requested was sent promptly. Always lovely, polite and efficient service from H&R Reviewed on: 20th July 2023

Reply from Hinckley & Rugby Building Society Thank you for taking the time to leave a review. We appreciate the feedback and will pass this on to the team Response date: 21st July 2023

Brilliant

I have been dealing with H & R for a long time and staff always friendly always want to help and go above and beyond to help you to the best of their abilities. Reviewed on: 19th July 2023

Reply from Hinckley & Rugby Building Society Thank you for taking the time to leave a review. We appreciate the feedback and will pass this on to the team Response date: 21st July 2023

My review

Very helpful, polite and English speaking Reviewed on: 17th July 2023

Reply from Hinckley & Rugby Building Society Thank you for taking the time to leave a review. We appreciate the feedback and will pass this on to the team Response date: 19th July 2023

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Hinckley & Rugby Building Society: Mortgages reviews

No new 5 star reviews

No new 1 star reviews

Latest highest rating:

5

Latest lowest rating:

1

About this product

Hinckley & Rugby Building Society Mortgages reviews (394)

Compliance issues, GDPR Breaches and incompetence

Friendly, helpful, supportive

Finalising my mortgage and offset savings accounts

Very helpful

Excellent service

very friendly and efficient

Friendly/Helpful Staff

Great company

Confirmation

Brilliant

My review

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Savings

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