Hinckley & Rugby Building Society Mortgages

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Last updated on 15 March 2021.

Hinckley and Rugby Building Society Mortgages FAQ

Who are Hinckley and Rugby Building Society?

Hinckley and Rugby Building Society is a building society based in Hinckley, Leicestershire. The society in its current form stems from a merger in 1983, while the original organisation can trace its origins back to 1861.

The building society provides a range of savings accounts and mortgage schemes. Hinckley and Rugby Building Society is a mutual, which means its run for the benefit of its members. As such, they are committed to maintaining the highest possible standards of customer service.

What type of mortgages do Hinckley and Rugby Building Society offer?

Hinckley and Rugby Building Society offer a range of mortgages for those from all walks of life and various financial circumstances.

  • Flexible mortgages
  • Fee-free mortgages
  • Fixed rate mortgages
  • Discount mortgages
  • Offset mortgages
  • Buy-to-let mortgages
  • Joint borrower mortgages
  • Sole proprietor mortgages
  • Later life mortgages
  • Standard variable rate mortgages
  • Non-owner occupier buy-to-let mortgages

What is the Hinckley and Rugby Building Society lending criteria?

The lending criteria for a mortgage differs between lenders and mortgage products. To determine Hinckley and Rugby Building Society lending criteria, carry out some research on the mortgage you are considering applying for.

When applying for a mortgage with the Hinckley and Rugby Building Society, you will need to provide a few personal details to allow them to confirm your identity.

You’ll need some of the following to hand:

  • A full UK driving license, or a valid UK passport
  • One of the following: gas, electricity, water, or telephone bills, no more than 3 months old
  • A Local Authority tax bill (from the last 12 months)
  • A recent bank / building society statement
  • A recent letter received from the Inland Revenue

What mortgage interest rates do they offer?

The interest rates offered on Hinckley and Rugby Building Society mortgages vary between their various mortgage products.

Typically the better your credit score, the lower the interest rate you can achieve on a mortgage. However, there are quite a lot of factors that can influence the interest rate of a mortgage.

If you want to lower the potential interest rate you’ll be offered, the most powerful step you can take is to save up a large deposit. The larger your deposit, the less capital you will borrow. This in turn means the interest on your mortgage won’t accrue to such an extent as it would have done, if you had borrowed a greater amount of capital.

Are Hinckley and Rugby Building Society reviews positive?

Hinckley Building Society has a number of reviews on Smart Money People.

For more information on the level of service offered by Hinckley Building Society, visit Smart Money People to read reviews from customers of the society. You’ll find a range of reviews assessing the society’s range of products, including their mortgages and savings accounts.

You can also read customer comments on the building society’s website.

Services offered by this provider may change over time. Always check Ts&Cs.

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Fluent Mortgages Ltd is authorised and regulated by the Financial Conduct Authority (FRN 458914), and is a registered company in England and Wales (company registration number 10978680), with a registered address at 102 Rivington House, Chorley, New Road, Horwich, Bolton, BL6 5UE