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Hinckley & Rugby Building Society: Mortgages reviews

Name: Mortgages
Rating: 4.47 (366 reviews)

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4.57

Based on 366 reviews, last reviewed 19th Feb 2025

50% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

78%

Latest highest rating:

5

Credibility Hinckley & Rugby Building Society was thorough and it speaks to their credibility. Reviewed on: 19th February 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.

Hinckley & Rugby Building Society Mortgages reviews (366)

Review of the Hinckley & Rugby Building Society, Mortgages:

Very fast processing.

Very fast processing. I was expecting this to be taking more time but it was very fast. I am very pleased. Reviewed on: 10th December 2024

Reply from Hinckley & Rugby Building Society Hi Sangeeth, It’s great to hear you were pleased with the speed of our mortgage process. We are working hard to introduce efficiencies which make the process as smooth as possible for our members. Thank you for taking the time to pass on your feedback. Should you need any further assistance in the future please do not hesitate to contact our team. Response date: 11th December 2024

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

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: 20th 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

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: 7th 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

New Mortgage

Excellent! My mortgage advisor recommended H&R due to their very good products, service and professionalism. Reviewed on: 24th August 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: 25th August 2021

Great customer experience

First time buyer and couldn't have had a better lender. Their staff's friendliness and available made all the difference. Reviewed on: 23rd August 2021

If you need a different mortgage these are you guys.

Our mortgage was not standard but we got there in the end. Reviewed on: 10th August 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: 11th August 2021

excellent service

You came up with an offer when other lenders were dithering. The rate was good and there was no fuss about checking my credentials and background. Reviewed on: 2nd August 2021

Terrible underwriter

Mortgage was being delayed by one particular underwriter, the minute he left for maternity leave the application passed through and faced no delays, it was as if he was deliberately causing hurdles for us to jump. Reviewed on: 26th July 2021

Reply from Hinckley & Rugby Building Society Thank you for your feedback- we’re sorry you’re unhappy with your experience. We take feedback of this nature very seriously and will be in touch shortly Response date: 2nd August 2021

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