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Hinckley & Rugby Building Society: Mortgages reviews

Name: Mortgages
Rating: 4.47 (372 reviews)

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4.56

Based on 372 reviews, last reviewed 10th May 2025

100% 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

H&R provided a flexible mortgage which suited my ne... H&R provided a flexible mortgage which suited my needs , many of the big banks building societies did not or has numerous restriction's. H&R customer... Read more Reviewed on: 10th May 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 (372)

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

H&R provided a flexible mortgage which suited my ne...

H&R provided a flexible mortgage which suited my needs , many of the big banks building societies did not or has numerous restriction's. H&R customer service was excellent Reviewed on: 10th May 2025

We cannot fault , we are sad to leave and only did s...

We cannot fault , we are sad to leave and only did so as HR could not match a deal we got and times are very hard. Reviewed on: 8th May 2025

Very good, helpfult customer service and mortgage qu...

Very good, helpfult customer service and mortgage quickly sorted. Reviewed on: 2nd May 2025

experience and very helpful staff

experience and very helpful staff Reviewed on: 7th April 2025

Reply from Hinckley & Rugby Building Society Hi Claudia, Thank you for your comments regarding our mortgage team. We very much appreciate you taking the time and are very happy to hear we’ve been able to assist you and that you’ve found our staff helpful. 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 April 2025

Quick, quality and Friendly service

Quick, quality and Friendly service Reviewed on: 18th March 2025

Reply from Hinckley & Rugby Building Society Hello and thank you for your feedback. Quick, quality and friendly are definitely all words we’re very happy to hear, I am so pleased to learn that has been your experience. Thank you 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: 19th March 2025

My experience with Hinckley & Rugby during my first...

My experience with Hinckley & Rugby during my first home purchase in the UK was incredibly smooth and satisfying. They provided me with a unique opportunity by offering a mortgage, giving me the reassurance and security of owning my own home. I am beyond grateful for their support and cannot thank them enough for everything they have done for me. Reviewed on: 4th March 2025

Reply from Hinckley & Rugby Building Society Hello Maryam, It is really wonderful to hear we’ve been able to assist you in buying your first home in the UK, and, of course, that you were happy with the service you received from our team. We sincerely wish you every happiness in your home and our very best wishes for your future in the UK. 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: 5th March 2025

Credibility

Hinckley & Rugby Building Society was thorough and it speaks to their credibility. Reviewed on: 19th February 2025

Reply from Hinckley & Rugby Building Society Hello Michael, Thanks for sharing your comments on the service you received from our mortgage team. It’s great to hear you found our service to be thorough, we believe it’s very important our customers have confidence in our knowledge and expertise. Please don’t hesitate to get in touch if we can be of any further assistance and 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 March 2025

Hinckley and Rugby service has been excellent.

Hinckley and Rugby service has been excellent. They are super fast, and they are flexible to accommodate your circumstance. You are sure to get a deal with them. The only reason they don't have a 5-star right now is the interest rate—it's a bit high, relatively Reviewed on: 11th February 2025

Reply from Hinckley & Rugby Building Society Hello and thank you so much for providing this review about our mortgage products and services. It’s always music to our ears to hear our flexibility and the speed of processes have been well received by our members, and we have been able to find a suitable solution to meet your needs. As always, please do not hesitate to reach out to the team should you require any further assistance. Also, 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: 17th February 2025

It's easy and approchable,always receiving response...

It's easy and approchable,always receiving response very quickly Reviewed on: 20th December 2024

Reply from Hinckley & Rugby Building Society Hello Rajee, Thanks for your thoughts on the service you receive from our mortgage team – it’s great to hear you found them to be approachable and easy to deal with. Thank you for choosing the Society and we look forward to serving you in the future. 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 January 2025

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

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