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Hinckley & Rugby Building Society: Mortgages reviews

Name: Mortgages
Rating: 4.49 (389 reviews)

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4.58

Based on 389 reviews, last reviewed 28th Nov 2025

175% 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

Fantastic customer service I was advised to get an offset mortgage at a time I was going through a divorce but the finances weren't settled and I would get money for a deposit t... Read more Reviewed on: 28th November 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

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.

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Hinckley & Rugby Building Society Mortgages reviews (389)

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

New Mortgage

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

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