Write a review

Hinckley & Rugby Building Society: Mortgages reviews

Name: Mortgages
Rating: 4.47 (369 reviews)

View other Hinckley & Rugby Building Society products

4.56

Based on 369 reviews, last reviewed 7th Apr 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:

4

experience and very helpful staff experience and very helpful staff Reviewed on: 7th April 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 (369)

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

Very helpful professional advice from Jo Tidey thank...

Very helpful professional advice from Jo Tidey thank you very much Reviewed on: 23rd February 2024

staff went out of there way to be extra helpful

staff went out of there way to be extra helpful Reviewed on: 17th February 2024

Reply from Hinckley & Rugby Building Society Hi Alan, thank you very much for your positive review! If you are interested in helping us shape the services offered by the Society going forward, perhaps you’d consider joining our Member Panel? For more information and to send us your interest please visit https://www.hrbs.co.uk/member-panel Response date: 22nd February 2024

Jo was incredibly helpful in very challenging circum...

Jo was incredibly helpful in very challenging circumstances. My wife had walked out and taken everything making it very difficult to provide some of the info needed but she put me at ease immediately and helped me to provide all of the necessary information to enable her to assist with my query. Reviewed on: 16th February 2024

Reply from Hinckley & Rugby Building Society Thank you for your feedback, great to hear we managed to help you with your query. Response date: 22nd February 2024

Phone was answered by a person hooray.

Phone was answered by a person called Simone who listened, explained, had understanding was very pleasant and professional. It was so good to speak to someone immediately who answered your call rather than the norm for a lot of other businesses where you have to click on various options and click here and there and then the line go dead. Well done Hinckley and Rugby. Reviewed on: 12th February 2024

Reply from Hinckley & Rugby Building Society Thank you for taking the time to share your positive experience with Simone at Hinckley and Rugby. We're thrilled to hear that your phone call was met with such prompt and attentive service. We understand how frustrating automated systems can be, and we're committed to providing a more personal and efficient experience for our customers. If you are interested in helping us shape the services offered by the Society going forward, perhaps you’d consider joining our Member Panel? For more information and to send us your interest please visit https://www.hrbs.co.uk/member-panel Response date: 15th February 2024

Friendly, informative and very helpful

Friendly, informative and very helpful Reviewed on: 9th February 2024

Reply from Hinckley & Rugby Building Society Hi Julianne, Thank you for taking the time to pass on your comments, we're delighted to hear you found our people friendly and informative. If you are interested in helping us shape the services offered by the Society going forward, perhaps you’d consider joining our Member Panel? For more information and to send us your interest please visit https://www.hrbs.co.uk/member-panel Response date: 15th February 2024

Karen was lovely.

Karen was lovely. To the point, helpful but friendly. The perfect balance Reviewed on: 9th February 2024

Reply from Hinckley & Rugby Building Society Hi Ryan, thank you so much for taking the time to share your positive experience with Karen! We're delighted to hear that you were happy with the service received and will happily share your comments with Karen. If you are interested in helping us shape the services offered by the Society going forward, perhaps you’d consider joining our Member Panel? For more information and to send us your interest please visit https://www.hrbs.co.uk/member-panel Response date: 15th February 2024

Getting me mixed up with another lender

Getting me mixed up with another lender Reviewed on: 3rd February 2024

Reply from Hinckley & Rugby Building Society Hi Jo - not sure if you intended to leave this review for us, however should you wish to speak to a member of our team for any clarification, please do not hesitate to get in touch, we'd be happy to help. https://www.hrbs.co.uk/contact-us/ Response date: 7th February 2024

Great Service

Thank you again Simone for being so helpful and polite. Great customer experience. Reviewed on: 30th January 2024

Reply from Hinckley & Rugby Building Society Thank you so much for your kind words Ian! It's a pleasure to hear that you had a great experience with the service offered by Simone. We strive to provide helpful and polite assistance, and your positive feedback reaffirms that we're on the right track. If you are interested in helping us shape the services offered by the Society going forward, perhaps you’d consider joining our Member Panel? For more information and to send us your interest please visit https://www.hrbs.co.uk/member-panel Response date: 7th February 2024

Filling in information on line a pain and takes so m...

Filling in information on line a pain and takes so much time Reviewed on: 23rd January 2024

Reply from Hinckley & Rugby Building Society Hi Joseph, Thank you for taking the time to get in touch and pass on your thoughts about the service you received from the Society. We’re always looking to make our processes as efficient as possible so it would be great to better understand your frustrations with the online form you refer to. Please consider getting in touch with our team at your convenience so we can discuss this. https://www.hrbs.co.uk/contact-us/ If you are interested in helping us shape the services offered by the Society going forward, perhaps you’d consider joining our Member Panel? For more information and to send us your interest please visit https://www.hrbs.co.uk/member-panel/ Response date: 24th January 2024

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

Mortgages
from The Stafford Building Society 4.75 from 4 reviews
Mortgage
from Scottish Widows 4.71 from 3 reviews
Fixed Rate Mortgage
from Halifax 3.81 from 157 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