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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

Customer service is excellent at Hinckley and Rugby.

Customer service is excellent at Hinckley and Rugby. All the people who have answered the phone to me recently have been polite, clearly spoken, patient, well informed, helpful and friendly. Waiting time to talk to them is also minimal. All very refreshing compared to many other companies. Reviewed on: 22nd March 2024

Reply from Hinckley & Rugby Building Society Hi Jennifer Thank you so much for your encouraging feedback, it’s great to hear you’ve always received great service from our teams, delivered to you promptly. Thank you for taking the time to tell us about it and also for choosing the Society for your mortgage. 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

The best mortgage offer!

H&R offered the best mortgage deal among other offers, which I was happy to accept, thank you! Reviewed on: 13th March 2024

Reply from Hinckley & Rugby Building Society Thank you for choosing the Society for your mortgage, we're glad we could assist you with securing the right deal for your needs. If you have any questions or need further assistance, please feel free to reach out. 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 March 2024

fantastic service provided by knowledgeable, friendl...

fantastic service provided by knowledgeable, friendly and helpful decision makers. Deborah and Angela were both able to assist and deal with my query efficiently, providing great customer service. Speaking to people who are empowered and fully understand. The products is so helpful and also so rare these days. Reviewed on: 7th March 2024

Reply from Hinckley & Rugby Building Society Thanks again for your comments Sara, it's wonderful to hear you had such a positive experience with Angela and Deborah. Please do reach out if we can be of any further assistance and thank you for choosing the Society for your mortgage. Response date: 8th March 2024

Fantastic service - knowledgeable and helpful.

Fantastic service - knowledgeable and helpful. Deborah & Angela dealt with my query very efficiently and provided good insight. A pleasure to deal with people who are friendly, decision-makers. Would recommend the H&R team. Reviewed on: 7th March 2024

Reply from Hinckley & Rugby Building Society Hi Sara Thank you for your wonderful feedback! We're delighted to hear that Deborah and Angela provided you with fantastic friendly and efficient service. We will happily pass on your comments to the team. We appreciate your recommendation and are here whenever you need 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 March 2024

The society’s way of doing things is like in Victori...

The society’s way of doing things is like in Victoria time. We are in the digital 21st century and I don’t know how the society can attract young customers or retain middle age customers. Very tick-box mentality Reviewed on: 7th March 2024

Reply from Hinckley & Rugby Building Society We are sorry to hear that we have not met your expectations and we are currently working hard to improve our technology and processes. Thank you for your taking the time to pass on your feedback – we would be grateful if you could contact us and explain your experience in case it could help us address any issues: https://www.hrbs.co.uk/contact-us/ Response date: 8th March 2024

Great Service

My questions were answered well and met all my requirements. I had a good conversation and ended the call satisfied with what I was told. Reviewed on: 5th March 2024

Reply from Hinckley & Rugby Building Society Hi Paul, Thank you for sharing your positive experience. We're happy to hear that your questions were well addressed and that we met your requirements. If you ever have more inquiries, feel free to reach out. We're here to help! 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 March 2024

Didn’t have to wait, in a queue to speak to an advisor.

Didn’t have to wait, in a queue to speak to an advisor. Also very helpful. Reviewed on: 5th March 2024

Reply from Hinckley & Rugby Building Society Hi Paul, Great to hear you had a prompt and hassle-free experience! We're glad we could assist you. If you ever need help again, just let us know. Thanks for your positive 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: 8th March 2024

Very helpful and efficient, clear precise informatio...

Very helpful and efficient, clear precise information and a friendly approach to service. Thank you. Reviewed on: 4th March 2024

Reply from Hinckley & Rugby Building Society Hi Loraine Thank you for taking the time to share your experience with our team and for your kind words! We're delighted to hear that our service was helpful and efficient. If you have any more questions or need assistance in the future, feel free to reach out, we’d be happy to help. 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 March 2024

Calm, Clear Response To Query

I was confused about an issue and the member of staff was extremely patient and lead me through the query very calmly and clearly. Reviewed on: 3rd March 2024

Reply from Hinckley & Rugby Building Society Hi Caroline, Thank you so much for taking the time to share your positive experience! We're very happy to hear that our mortgage team member could assist you with patience and clarity. If you ever have more questions or need assistance, feel free to reach out. We're here to help! 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 March 2024

Excellent service & very helpful staff

Excellent service & very helpful staff Reviewed on: 1st March 2024

Reply from Hinckley & Rugby Building Society Hello Jaz, thank you for taking the time to pass on your comments about our mortgage team. It’s great to hear they were able to help you with your requirements and delivered excellent service. 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 March 2024

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