H&R Member Feedback's community profile page

Write a review

Go to business site

Viewing profile for,

H&R Member Feedback

1333

Total reviews written

Helpful marks given to their reviews

983

Times reviews seen

All reviews (1333)

Review of the Hinckley & Rugby Building Society, Mortgages:

View on product page

Why did our mortgage application take so long?

We applied for a joint borrower / sole proprietor mortgage via a broker, John Charcol. (John Charcol's performance was also disappointing.) Our initial application was rejected; the property was not considered to be suitable security for a mortgage because of an EWS1 certificate problem. When we found another property, the re-application process took so long that we were at risk of the seller withdrawing. It took about 14 weeks to receive our mortgage offer, of which 7-8 seemed like unnecessary delay. A couple of weeks' delay were attributable to John Charcol, who failed to forward documents to Hinckley & Rugby. We had to wait two weeks for a property valuation - perhaps understandable - but the underwriting process then seemed to start from scratch, in spite of our initial application, and took several weeks to complete: so long that we had to keep re-submitting latest payslips and bank statements. Why can't financial underwriting take place in parallel with, or even ahead of, property valuation, to save time? An agreement in principle to lend, when a suitable property is found, could be provided. Following underwriting, we then had a tense and protracted wait to receive the mortgage offer. Finally, there were problems providing the offer documentation electronically to our solicitor. Reviewed on: 17th November 2021

Reply from Hinckley & Rugby Building Society We are very sorry to hear of your frustration. 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 respond to your questions. Response date: 19th November 2021

Review of the Hinckley & Rugby Building Society, Mortgages:

View on product page

Remortgage - switch to fix

The process was completed with relative ease following my initial request for information via the website. Reviewed on: 15th November 2021

Reply from Hinckley & Rugby Building Society Thank you for your lovely feedback. The efficiency of our service is a key priority for us and we’re delighted that you were happy with the service you received. Response date: 16th November 2021

Review of the Hinckley & Rugby Building Society, Savings:

View on product page

Really good

Super easy and and friendly company, Reviewed on: 15th November 2021

Review of the Hinckley & Rugby Building Society, Mortgages:

View on product page

Mortgage switch to fixed rate

Switched my mortgage to a fixe rate the whole process took less than 3 weeks Reviewed on: 15th November 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: 16th November 2021

Review of the Hinckley & Rugby Building Society, Savings:

View on product page

I was made very welcome and opened the savings account with no problems at all,the lady was extremely courteous

Took no time at all to execute thank you! Reviewed on: 12th November 2021

Reply from Hinckley & Rugby Building Society Thank you for your wonderful feedback. We’re delighted to hear that you had such a positive experience with us and look forward to assisting you again. Response date: 15th November 2021

We are helping 1000s to make smarter financial decisions

We use the power of consumer reviews to help increase trust and transparency in financial services and to deliver industry leading insight and events.