Write a review

Hinckley & Rugby Building Society: Mortgages reviews

Name: Mortgages
Rating: 4.47 (370 reviews)

View other Hinckley & Rugby Building Society products

4.55

Based on 370 reviews, last reviewed 2nd May 2025

25% increase in 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

Read all reviews Write a review

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.

Review Hinckley & Rugby Building Society: Mortgages now

Help others make smarter decisions by sharing your own experience.

Write a review

Hinckley & Rugby Building Society Mortgages reviews (370)

Good product but painfully slow application process

The product offered is a good one but getting through the application process too so Kong and was overly detailed and frustrating at times. Reviewed on: 5th October 2021

Reply from Hinckley & Rugby Building Society Thank you for your feedback. We’re sorry to hear about your experience and will pass your comments on to the team. Please rest assured we are always striving to provide a high level of service so your comments will be helpful to improve the level of service we provide. Response date: 6th October 2021

First class experience

Thank you for making this re-mortgage an easy and straightforward experience. Helpful from start to finish. Reviewed on: 5th October 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: 6th October 2021

Incompetent

Slow, uncommunicative, incompetent. Worst mortgage experience I have ever had quite simply. What should have been a straightforward mortgage took many months, a JBSP mortgage was simpler. Reviewed on: 4th October 2021

Reply from Hinckley & Rugby Building Society Thank you for your feedback - we’re really sorry that your experience was not more positive. We’d love to investigate the circumstances behind the issues and provide you with a personalised response – if you’re happy for us to do so, please email [email protected] with your details so that we can identify you. Response date: 11th October 2021

Excellent service, H&R should be a household name

I have been really impressed on the mortgage we have just secured. We have bought an unusual house that mainstream lenders would not touch. However H&R were pragmatic all the way through and kept us informed of progress. My only bone of contention was an issue related to the survey which was out of H&Rs hands. They took ownership for fixing the issue and we got the result we wanted. I would recommend to all. Reviewed on: 3rd October 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: 4th October 2021

Appalling focus, sense of urgency and concern about customer experience.

A continuing battle to progress the application. Reviewed on: 2nd 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: 4th October 2021

Worst experience ever

I applied for a mortgage with H&R I was told I could get a mortgage and everything was ok with affordablility. I paid for a survey and the administration fees to be later told I had to pay of every loan I had even my mobile loan £17 P/M and they decided I was not eligible for original 180k loan and only 150k. Bearing in mind I earn 51k P/Y and have no large debts. I ended up going with a 60% LTV product and they tried to get me to sign up at 1.9% bearing in mind it says on there website the product they offer for 60% LTV is 1.25% they then tried to blame my mortgage broker who was totally shocked that they did this. I have complained to H&R I am awaiting there results before I take the matter further with the relevant complaint ombudsman. All of this took around 8 weeks I think I will go back to nationwide next time where I can borrow more with far less hassle Reviewed on: 21st September 2021

Reply from Hinckley & Rugby Building Society We’re very sorry that you have had cause for complaint and will send you our response as soon as possible. Response date: 22nd September 2021

So many checks its ridiculous

Had this not been a remortgage and the funds needed for another deposit then I would have walked away from them. Soooooo many checks a criminal would have more chance of securing a job with MI5 than anyone getting a mortgage with them! Reviewed on: 17th September 2021

Personal Service

Definitely feels like old-fashioned service which is lovely on one hand but can be a bit cumbersome in others. I would like to be able to ask my mortgage adviser to act on my behalf instead of having to deal with it myself. Reviewed on: 7th September 2021

Reply from Hinckley & Rugby Building Society Thank you for your positive and constructive feedback. We continuously review the value we offer to our borrowers through our product switching processes and will take the points you raise into account. Response date: 14th September 2021

Excellent service from all your staff.

I changed my mortgage product and received professional advice from H&R.The change was effected efficiently. Reviewed on: 3rd September 2021

Dreadful

We had recently applied for a mortgage through the bank and the back initially agreed to lend us the money required but right towards the end just before they give us the offer letter, rejected our offer as the underwriters didn’t assess my pay properly and on top of that they took a payment of £500 which was non-refundable plus their admin fees. Me and my family are absolutely unhappy and wouldn’t recommend this bank to any of our friends or family as we lost a lot of money and even the property as it was their fault. It was absolutely shocking and unacceptable. We were really looking forward to buying our first house but everything went down the drain. Thankyou for spoiling everything. Banks think we can’t afford a £750 pm mortgage when we are paying £950 pm in rent. Reviewed on: 27th August 2021

Reply from Hinckley & Rugby Building Society Thank you for giving us the opportunity to discuss the issues you’ve highlighted. We hope that we clarified our position when we spoke, and that you now understand and appreciate why we were unable to help on this occasion. Response date: 31st August 2021

Do you have a different Hinckley & Rugby Building Society product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Fixed Rate Mortgage
from HSBC 3.65 from 92 reviews
Mortgages
from Loughborough Building Society 4.82 from 79 reviews
Equity Release
from Royal London Equity Release 0.00 from 0 reviews

There's still more to see!

Hinckley & Rugby Building Society has a range of products available. Check the ratings of each product to find the right one for you. View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub