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Hinckley & Rugby Building Society: Mortgages reviews

Name: Mortgages
Rating: 4.47 (370 reviews)

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4.55

Based on 370 reviews, last reviewed 2nd May 2025

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

Very good, helpfult customer service and mortgage qu... Very good, helpfult customer service and mortgage quickly sorted. Reviewed on: 2nd May 2025

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

Your home is likely to be your largest financial purchase, so finding the right lender is key. We collect Hinckley & Rugby Building Society mortgage reviews to help you make an informed decision.

Hinkley & Rugby Building Society is a mutual organisation that provides a range of mortgage products. Before taking out a mortgage product, make sure that you’re confident with the terms, conditions and interest rates. Always contact the lender or an independent advisor if you have any questions or need help understanding your options.

Are you considering Hinckley & Rugby Building Society as your mortgage lender? Gain valuable insight into the Society by reading the reviews on Smart Money People. Find out what mortgage products homeowners have and how satisfied they have been throughout the term. Learn more about the customer service received and whether borrowers would recommend the lender to family and friends. All of this and more can be found in our Hinckley & Rugby Building Society mortgage reviews.

Did Hinckley & Rugby Building Society help you purchase your dream home? Share your experience with others by writing a review. Tell us why you chose Hinckley & Rugby Building Society. Did you feel supported throughout the application process? Has the Society kept you up to date with any important mortgage news and changes? Would you recommend your mortgage product to family and friends? Write a Hinckley & Rugby Building Society mortgage review today.

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Hinckley & Rugby Building Society Mortgages reviews (370)

Why did our mortgage application take so long?

We applied for a joint borrower / sole proprietor mortgage via a broker, John Charcol. (John Charcol's performance was also disappointing.) Our initial application was rejected; the property was not considered to be suitable security for a mortgage because of an EWS1 certificate problem. When we found another property, the re-application process took so long that we were at risk of the seller withdrawing. It took about 14 weeks to receive our mortgage offer, of which 7-8 seemed like unnecessary delay. A couple of weeks' delay were attributable to John Charcol, who failed to forward documents to Hinckley & Rugby. We had to wait two weeks for a property valuation - perhaps understandable - but the underwriting process then seemed to start from scratch, in spite of our initial application, and took several weeks to complete: so long that we had to keep re-submitting latest payslips and bank statements. Why can't financial underwriting take place in parallel with, or even ahead of, property valuation, to save time? An agreement in principle to lend, when a suitable property is found, could be provided. Following underwriting, we then had a tense and protracted wait to receive the mortgage offer. Finally, there were problems providing the offer documentation electronically to our solicitor. Reviewed on: 17th November 2021

Reply from Hinckley & Rugby Building Society We are very sorry to hear of your frustration. We will be in touch with you shortly and hope that we will be able to provide more context around the processing of your application and respond to your questions. Response date: 19th November 2021

Remortgage - switch to fix

The process was completed with relative ease following my initial request for information via the website. Reviewed on: 15th November 2021

Reply from Hinckley & Rugby Building Society Thank you for your lovely feedback. The efficiency of our service is a key priority for us and we’re delighted that you were happy with the service you received. Response date: 16th November 2021

Mortgage switch to fixed rate

Switched my mortgage to a fixe rate the whole process took less than 3 weeks Reviewed on: 15th November 2021

Reply from Hinckley & Rugby Building Society Thank you for your wonderful review. Our mortgage team are always on hand to offer assistance and will be thrilled to hear that you had such a positive experience. Response date: 16th November 2021

Mortgage renewal

Good efficient process. Very helpful Reviewed on: 3rd November 2021

Decades of first class service.

We have been with H&R for over 20 years and are very pleased with the service we have received throughout. Would definitely recommend, old fashioned personal service beats the new call centres! Reviewed on: 2nd November 2021

Reply from Hinckley & Rugby Building Society Thank you for your lovely feedback. Our mortgage team are constantly striving to ensure they provide the highest level of service to our customers and will be delighted to know how happy you are with the service you received. Response date: 3rd November 2021

Excellent lenders that provide due diligence with a personal touch

The lending experience was really straightforward. The original provision of evidence for the initial loan was quite difficult but that is true of all mortgages. Re-mortgaging to a new rate was an absolute breeze. Reviewed on: 28th October 2021

Reply from Hinckley & Rugby Building Society Thank you for your feedback. We will pass your message onto the team, who will be thrilled to know you had such a positive experience with us. Response date: 29th October 2021

Hideous experience - avoid at all costs

We were initially given an offer for more money than we needed, which gave us hope and the confidence to forge ahead with plans. However, an Offer In Principle from H&R is clearly not worth the paper it is written on. After several months of financial interrogation due to being self employed, this building society took our fees and then promptly turned around a few days later and rejected our application due predominantly to self employment. We appealed, successfully at first, only to then be rejected again because of Japanese Knotweed being 150m away from the house. In spite of H&R stating that they follow the opinion of surveyors in cases of JK, they were not prepared to even consider this case - even though the vendor had a £4000 treatment plan in place with a guarantee for 10 years. This was not good enough for H&R, and our dreams are now in tatters. We had everything planned - school places, jobs - and for whatever reason this building society decided that we didn’t fit the bill. This is yet another case of discrimination against the hard working self-employed. Communication has been terrible - in fact almost non existent - and when we queried the length of time the processes were taking, we were simply fobbed off. We have finally been given a partial refund - after a fight - yet we fail to see how they can justify keeping the “non refundable arrangement fee” - when they have not in fact arranged anything. We would appreciate some genuine feedback from H&R regarding why they have felt it acceptable to treat us this way. Reviewed on: 21st October 2021

Reply from Hinckley & Rugby Building Society We are very sorry that you were unhappy with the service provided. We will be in touch with you shortly and 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: 22nd October 2021

Very professional

Great communication Fast response Highly recommended Reviewed on: 16th October 2021

great service provided

Very professional organisation that provides a fantastic personal touch. Constantly providing us with updates via emails and phone calls. Reviewed on: 14th October 2021

Professional

Regular contact and updates. Contacted and kept up to date via phone calls and we emails. Reviewed on: 13th October 2021

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