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Hinckley & Rugby Building Society: Mortgages reviews

Name: Mortgages
Rating: 4.49 (391 reviews)

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4.57

Based on 391 reviews, last reviewed 12th Dec 2025

67% 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

Phenomenal completion team! I wanted to make a special effort to say how fantastic Callum and Danielle in the completions team have been. Phenomenal customer service and really w... Read more Reviewed on: 12th December 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.

Hinckley & Rugby Building Society Mortgages reviews (391)

Review of the Hinckley & Rugby Building Society, Mortgages:

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

Absolutely great to be able to actually speak to som...

Absolutely great to be able to actually speak to someone that is in the uk, and is able to deal quickly and intelligently with a query. Reviewed on: 13th May 2024

Reply from Hinckley & Rugby Building Society Hello Richard, Thanks for your feedback regarding our mortgage team – it’s great to hear you received an efficient and informed service. We’re proud of our locally based teams supporting our members and communities. 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: 14th May 2024

Amazing customer service

It doesn’t matter who you speak to, the team go above and beyond to help and answer every question politely, with a smile on their voice and treat you like a human being. They remember speaking to you and make you feel valued. Reviewed on: 9th May 2024

Reply from Hinckley & Rugby Building Society Hi Jennifer Thank you very much for your comments about the service you’ve received when dealing with our mortgage teams. The service you describe is exactly what we’re aiming for, and our members deserve, so it’s fantastic to hear that’s what you have experienced. 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: 14th May 2024

Whenever I call Hinckley & Rugby I am greeted with s...

Whenever I call Hinckley & Rugby I am greeted with staff who are willing to help and always return my calls. I have been with the society for four years and not once I can remember any bad service Reviewed on: 29th April 2024

Reply from Hinckley & Rugby Building Society Hi Kamran It’s wonderful to hear the service you receive from our mortgage team has been consistently of a high standard, thank you so much for taking the time to pass on your feedback. 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: 3rd May 2024

Excellent customer service from Georgina.

Excellent customer service from Georgina. Thank you. Reviewed on: 18th April 2024

Reply from Hinckley & Rugby Building Society Hi Di Thanks for your feedback! It’s great to see the service you received described as excellent – we will share your comments with Georgina who I am sure will be pleased to see them. 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 April 2024

Efficient

Efficient Efficient and informative my life story is not up for publishing Reviewed on: 17th April 2024

Reply from Hinckley & Rugby Building Society Hi Julie Thanks for your feedback! Efficient and informative are words we love to hear about our teams. Should you have any further questions please don’t hesitate to get in touch. 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 April 2024

Phone was answered quickly and proffesionally.

Phone was answered quickly and proffesionally. Resolved my issues fast and answered my stupid questions. Thank you. Reviewed on: 15th April 2024

Reply from Hinckley & Rugby Building Society Hi Charlie Thanks for taking the time to let us know about the service you received from our mortgage team over the phone. It’s always good to hear they were able to help, please be assured we welcome any questions you have, as none are stupid. We’re always happy to explain our requirements, processes, and products to ensure full understanding. Should you require any further assistance please do not hesitate to get in touch. 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 April 2024

Karen and her team were very helpful, thank you!

Karen and her team were very helpful, thank you! Reviewed on: 28th March 2024

Reply from Hinckley & Rugby Building Society Hi Michael Thank you very much for taking the time to send us your comments regarding the assistance you received from Karen and the team. Should you need any further help please do not hesitate to get in touch, we’d be only too happy to oblige. 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: 8th April 2024

Fast friendly knowledgeable service

Fast friendly knowledgeable service Reviewed on: 25th March 2024

Reply from Hinckley & Rugby Building Society Hello Steven Thanks for your encouraging comments regarding the service you received from our mortgage team. Fast, friendly, and knowledgeable are exactly what we’re aiming to deliver, so it’s great to hear that was your experience. 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: 8th April 2024

Re-Morgage

Have spoken to both Louise and Jo regarding my Re-mortgage and they were both very helpful. Reviewed on: 25th March 2024

Reply from Hinckley & Rugby Building Society Hi Paula Thanks for taking the time to pass on your comments about the service you received from our mortgage team regarding your remortgage. It’s great to hear you were happy with the service Jo and Louise delivered, and you found them to be helpful. Please do not hesitate to get back in touch should you need any further assistance. 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: 8th April 2024

Great Service

Staff are so polite and helpful, always making you feel valued. They are knowledgeable about the products, processes and procedures. If you need to be transferred to a different person, you don’t have to repeat yourself as your initial clearance/conversation will have been relayed. It doesn’t sound like you’re talking to someone in a massive call centre so it’s easy to hear and follow the conversation. Reviewed on: 23rd March 2024

Reply from Hinckley & Rugby Building Society Hi Caroline, It’s great to hear that the service you’ve received from our mortgage team has been friendly and professional. Our department teams are based here at our head office here in Hinckley, definitely not a massive call centre, so we’re very pleased this has been well received by our valued members, such as yourself. Thank you for taking the time to pass on your comments. 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: 28th March 2024

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