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Hinckley & Rugby Building Society Mortgages

Hinckley & Rugby Building Society Mortgages

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Hinckley & Rugby BS 2 Year Discounted Variable

Cashback Available

Initial Rate
1.60% Discounted Variable for 2 years (4.29% disc)
APRC
4.70%
Product Fee
£199
Monthly Repayment
£606.98

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Lender:
Hinckley & Rugby BS
Max First Time Buyer LTV:
80%
Max House Purchase LTV:
80%
Max Remortgage LTV:
80%
Min Loan:
£100,000
Max Loan:
£1,000,000
Product Description:
1.60% Discounted Variable for 2 years (4.29% disc)
Incentives:
Free valuation fees for properties valued Max £1M
£250 cashback Remortgages

Ongoing Monthly Payments:
£606.98 x 24
Total Amount Payable:
£262,810.72
Total Interest Payable:
£112,311.72
Valuation Fee:
Free
Exit Admin Fee:
£150
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 2 yrs: 2% Sum Repaid

Hinckley & Rugby BS 2 Year Discounted Variable

Cashback Available

Initial Rate
1.75% Discounted Variable for 2 years (4.14% disc)
APRC
4.70%
Product Fee
£699
Monthly Repayment
£617.68

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Lender:
Hinckley & Rugby BS
Max First Time Buyer LTV:
85%
Max House Purchase LTV:
85%
Max Remortgage LTV:
85%
Min Loan:
£100,000
Max Loan:
£1,000,000
Product Description:
1.75% Discounted Variable for 2 years (4.14% disc)
Incentives:
Free valuation fees for properties valued Max £1M
£250 cashback Remortgages

Ongoing Monthly Payments:
£617.68 x 24
Total Amount Payable:
£263,890.20
Total Interest Payable:
£112,891.20
Valuation Fee:
Free
Exit Admin Fee:
£150
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 2 yrs: 2% Sum Repaid

Hinckley & Rugby BS 2 Year Fixed

Cashback Available

Initial Rate
1.95% Fixed for 2 years
APRC
4.80%
Product Fee
£199
Monthly Repayment
£632.14

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Lender:
Hinckley & Rugby BS
Max First Time Buyer LTV:
85%
Max House Purchase LTV:
85%
Max Remortgage LTV:
85%
Min Loan:
£100,000
Max Loan:
£1,000,000
Product Description:
1.95% Fixed for 2 years
Incentives:
£250 cashback Remortgages

Initial Monthly Repayment:
£632.14 x 24
Ongoing Monthly Payments:
£797.84 x 36
Total Amount Payable:
£264,160.60
Total Interest Payable:
£113,661.60
Valuation Fee:
Free
Exit Admin Fee:
£150
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 2 yrs: 2% Sum Repaid

Representative example

A mortgage of £150,000 payable over 25 years initially on a fixed rate for 24 months at 1.95%, reverting to 4.24% variable for 36 months and 5.89% variable for remaining term. 24 monthly payments of £632.14, 36 monthly payments of £797.84, and 240 monthly payments of £915.70. The total amount payable would be £264,060.60 made up of the loan amount, interest £113,661.60 and a product fee £199 and valuation fee £0. The overall cost for comparison is 4.80% APRC representative.

Hinckley & Rugby BS 2 Year Discounted Variable

Offset
Cashback Available

Initial Rate
1.99% Discounted Variable for 2 years (3.90% disc)
APRC
4.60%
Product Fee
£999
Monthly Repayment
£635.05

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Lender:
Hinckley & Rugby BS
Max First Time Buyer LTV:
80%
Max House Purchase LTV:
80%
Max Remortgage LTV:
80%
Min Loan:
£100,000
Max Loan:
£1,000,000
Product Description:
1.99% Discounted Variable for 2 years (3.90% disc)
Incentives:
Free valuation fees for properties valued Max £1M
£250 cashback Remortgages

Ongoing Monthly Payments:
£635.05 x 24
Total Amount Payable:
£265,114.56
Total Interest Payable:
£113,815.56
Valuation Fee:
Free
Exit Admin Fee:
£150
Early Repayment Charge:
No

Hinckley & Rugby BS 2 Year Discounted Variable

Cashback Available

Initial Rate
2.10% Discounted Variable for 2 years (3.79% disc)
APRC
4.80%
Product Fee
£999
Monthly Repayment
£643.11

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Lender:
Hinckley & Rugby BS
Max First Time Buyer LTV:
90%
Max House Purchase LTV:
90%
Max Remortgage LTV:
90%
Min Loan:
£100,000
Max Loan:
£1,000,000
Product Description:
2.10% Discounted Variable for 2 years (3.79% disc)
Incentives:
£250 cashback Remortgages

Ongoing Monthly Payments:
£643.11 x 24
Total Amount Payable:
£265,535.88
Total Interest Payable:
£114,236.88
Valuation Fee:
Free
Exit Admin Fee:
£150
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 2 yrs: 2% Sum Repaid

Hinckley & Rugby BS 5 Year Fixed

Cashback Available

Initial Rate
2.29% Fixed for 5 years
APRC
4.30%
Product Fee
£699
Monthly Repayment
£657.17

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Lender:
Hinckley & Rugby BS
Max First Time Buyer LTV:
85%
Max House Purchase LTV:
85%
Max Remortgage LTV:
85%
Min Loan:
£100,000
Max Loan:
£1,000,000
Product Description:
2.29% Fixed for 5 years
Incentives:
£250 cashback Remortgages

Initial Monthly Repayment:
£657.17 x 60
Ongoing Monthly Payments:
£897.88 x 240
Total Amount Payable:
£255,920.40
Total Interest Payable:
£104,921.40
Valuation Fee:
Free
Exit Admin Fee:
£150
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 5 yrs: 5/4/3/2/1% Sum Repaid

Hinckley & Rugby BS 2 Year Fixed

Cashback Available

Initial Rate
2.30% Fixed for 2 years
APRC
4.80%
Product Fee
£199
Monthly Repayment
£657.92

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Lender:
Hinckley & Rugby BS
Max First Time Buyer LTV:
90%
Max House Purchase LTV:
90%
Max Remortgage LTV:
90%
Min Loan:
£100,000
Max Loan:
£1,000,000
Product Description:
2.30% Fixed for 2 years
Incentives:
£250 cashback Remortgages

Initial Monthly Repayment:
£657.92 x 24
Ongoing Monthly Payments:
£800.16 x 36
Total Amount Payable:
£265,501.24
Total Interest Payable:
£115,002.24
Valuation Fee:
Free
Exit Admin Fee:
£150
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 2 yrs: 2% Sum Repaid

Representative example

A mortgage of £150,000 payable over 25 years initially on a fixed rate for 24 months at 2.30%, reverting to 4.24% variable for 36 months and 5.89% variable for remaining term. 24 monthly payments of £657.92, 36 monthly payments of £800.16, and 240 monthly payments of £918.36. The total amount payable would be £265,401.24 made up of the loan amount, interest £115,002.24 and a product fee £199 and valuation fee £0. The overall cost for comparison is 4.80% APRC representative.

Hinckley & Rugby BS Discounted Variable

Offset
Cashback Available

Initial Rate
2.84% Discounted Variable (collared at 2.59%) (3.05% disc)
APRC
2.90%
Product Fee
£999
Monthly Repayment
£698.90

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Lender:
Hinckley & Rugby BS
Max First Time Buyer LTV:
80%
Max House Purchase LTV:
80%
Max Remortgage LTV:
80%
Min Loan:
£100,000
Max Loan:
£1,000,000
Product Description:
2.84% Discounted Variable (collared at 2.59%) (3.05% disc)
Incentives:
Free valuation fees for properties valued Max £1M
£250 cashback Remortgages

Ongoing Monthly Payments:
£698.90 x 300
Total Amount Payable:
£210,969
Total Interest Payable:
£59,670
Valuation Fee:
Free
Exit Admin Fee:
£150
Early Repayment Charge:
No

Hinckley & Rugby BS 5 Year Fixed

Cashback Available

Initial Rate
2.99% Fixed for 5 years
APRC
4.60%
Product Fee
£199
Monthly Repayment
£710.54

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Lender:
Hinckley & Rugby BS
Max First Time Buyer LTV:
90%
Max House Purchase LTV:
90%
Max Remortgage LTV:
90%
Min Loan:
£100,000
Max Loan:
£1,000,000
Product Description:
2.99% Fixed for 5 years
Incentives:
£250 cashback Remortgages

Initial Monthly Repayment:
£710.54 x 60
Ongoing Monthly Payments:
£910.58 x 240
Total Amount Payable:
£261,670.60
Total Interest Payable:
£111,171.60
Valuation Fee:
Free
Exit Admin Fee:
£150
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 5 yrs: 5/4/3/2/1% Sum Repaid

Hinckley & Rugby BS 2 Year Discounted Variable

Offset

Initial Rate
2.99% Discounted Variable for 2 years (2.90% disc)
APRC
5.00%
Product Fee
£999
Monthly Repayment
£710.54

Continue on Fluent Mortgages' website + More info

Lender:
Hinckley & Rugby BS
Max First Time Buyer LTV:
80%
Max House Purchase LTV:
80%
Max Remortgage LTV:
80%
Min Loan:
£100,000
Max Loan:
£1,500,000
Product Description:
2.99% Discounted Variable for 2 years (2.90% disc)
Incentives:

Ongoing Monthly Payments:
£710.54 x 24
Total Amount Payable:
£269,176.24
Total Interest Payable:
£117,627.24
Valuation Fee:
Free
Exit Admin Fee:
£150
Early Repayment Charge:
No

Hinckley & Rugby BS 2 Year Discounted Variable

Cashback Available

Initial Rate
3.19% Discounted Variable for 2 years (2.70% disc)
APRC
5.00%
Product Fee
£999
Monthly Repayment
£726.23

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Lender:
Hinckley & Rugby BS
Max First Time Buyer LTV:
90%
Max House Purchase LTV:
90%
Max Remortgage LTV:
90%
Min Loan:
£100,000
Max Loan:
£1,500,000
Product Description:
3.19% Discounted Variable for 2 years (2.70% disc)
Incentives:
£250 cashback Remortgages

Ongoing Monthly Payments:
£726.23 x 24
Total Amount Payable:
£269,682.72
Total Interest Payable:
£118,383.72
Valuation Fee:
Free
Exit Admin Fee:
£150
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 2 yrs: 2% Sum Repaid

Hinckley & Rugby BS 2 Year Discounted Variable

Cashback Available

Initial Rate
3.19% Discounted Variable for 2 years (2.70% disc)
APRC
5.00%
Product Fee
£999
Monthly Repayment
£726.23

Continue on Fluent Mortgages' website + More info

Lender:
Hinckley & Rugby BS
Max First Time Buyer LTV:
90%
Max House Purchase LTV:
90%
Max Remortgage LTV:
90%
Min Loan:
£100,000
Max Loan:
£1,500,000
Product Description:
3.19% Discounted Variable for 2 years (2.70% disc)
Incentives:
£250 cashback Remortgages

Ongoing Monthly Payments:
£726.23 x 24
Total Amount Payable:
£269,682.72
Total Interest Payable:
£118,383.72
Valuation Fee:
Free
Exit Admin Fee:
£150
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 2 yrs: 2% Sum Repaid

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Hinckley & Rugby BS 2 Year Fixed

Initial Rate
3.39% Fixed for 2 years
APRC
5.00%
Product Fee
£999
Monthly Repayment
£742.12

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Lender:
Hinckley & Rugby BS
Max First Time Buyer LTV:
95%
Max House Purchase LTV:
95%
Max Remortgage LTV:
0%
Min Loan:
£100,000
Max Loan:
Varies
Product Description:
3.39% Fixed for 2 years
Incentives:

Initial Monthly Repayment:
£742.12 x 24
Ongoing Monthly Payments:
£806.94 x 36
Total Amount Payable:
£271,085.72
Total Interest Payable:
£119,136.72
Valuation Fee:
Free
Exit Admin Fee:
£150
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 2 yrs: 2% Sum Repaid

Representative example

A mortgage of £150,000 payable over 25 years initially on a fixed rate for 24 months at 3.39%, reverting to 4.24% variable for 36 months and 5.89% variable for remaining term. 24 monthly payments of £742.12, 36 monthly payments of £806.94, and 240 monthly payments of £926.15. The total amount payable would be £270,335.72 made up of the loan amount, interest £119,136.72 and a product fee £999 and valuation fee £0. The overall cost for comparison is 5.00% APRC representative.

Hinckley & Rugby BS 5 Year Fixed

Initial Rate
3.49% Fixed for 5 years
APRC
4.80%
Product Fee
£999
Monthly Repayment
£750.13

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Lender:
Hinckley & Rugby BS
Max First Time Buyer LTV:
80%
Max House Purchase LTV:
80%
Max Remortgage LTV:
80%
Min Loan:
£100,000
Max Loan:
£1,500,000
Product Description:
3.49% Fixed for 5 years
Incentives:

Initial Monthly Repayment:
£750.13 x 60
Ongoing Monthly Payments:
£919.27 x 240
Total Amount Payable:
£267,181.60
Total Interest Payable:
£115,632.60
Valuation Fee:
Free
Exit Admin Fee:
£150
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 5 yrs: 5/4/3/2/1% Sum Repaid

Hinckley & Rugby BS 2 Year Fixed

Cashback Available

Initial Rate
3.49% Fixed for 2 years
APRC
5.10%
Product Fee
£999
Monthly Repayment
£750.13

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Lender:
Hinckley & Rugby BS
Max First Time Buyer LTV:
90%
Max House Purchase LTV:
90%
Max Remortgage LTV:
90%
Min Loan:
£100,000
Max Loan:
£1,500,000
Product Description:
3.49% Fixed for 2 years
Incentives:
£250 cashback Remortgages

Initial Monthly Repayment:
£750.13 x 24
Ongoing Monthly Payments:
£941.83 x 276
Total Amount Payable:
£279,247.20
Total Interest Payable:
£127,948.20
Valuation Fee:
Free
Exit Admin Fee:
£150
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 2 yrs: 2% Sum Repaid

Hinckley & Rugby BS 2 Year Fixed

Cashback Available

Initial Rate
3.49% Fixed for 2 years
APRC
5.10%
Product Fee
£999
Monthly Repayment
£750.13

Continue on Fluent Mortgages' website + More info

Lender:
Hinckley & Rugby BS
Max First Time Buyer LTV:
90%
Max House Purchase LTV:
90%
Max Remortgage LTV:
90%
Min Loan:
£100,000
Max Loan:
£1,500,000
Product Description:
3.49% Fixed for 2 years
Incentives:
£250 cashback Remortgages

Initial Monthly Repayment:
£750.13 x 24
Ongoing Monthly Payments:
£941.83 x 276
Total Amount Payable:
£279,247.20
Total Interest Payable:
£127,948.20
Valuation Fee:
Free
Exit Admin Fee:
£150
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 2 yrs: 2% Sum Repaid

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Hinckley & Rugby BS 5 Year Fixed

Cashback Available

Initial Rate
3.69% Fixed for 5 years
APRC
5.00%
Product Fee
£999
Monthly Repayment
£766.31

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Lender:
Hinckley & Rugby BS
Max First Time Buyer LTV:
90%
Max House Purchase LTV:
90%
Max Remortgage LTV:
90%
Min Loan:
£100,000
Max Loan:
£1,500,000
Product Description:
3.69% Fixed for 5 years
Incentives:
£250 cashback Remortgages

Initial Monthly Repayment:
£766.31 x 60
Ongoing Monthly Payments:
£922.65 x 240
Total Amount Payable:
£268,713.60
Total Interest Payable:
£117,414.60
Valuation Fee:
Free
Exit Admin Fee:
£150
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 5 yrs: 5/4/3/2/1% Sum Repaid

Hinckley & Rugby BS 5 Year Fixed

Initial Rate
3.69% Fixed for 5 years
APRC
5.00%
Product Fee
£999
Monthly Repayment
£766.31

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Lender:
Hinckley & Rugby BS
Max First Time Buyer LTV:
95%
Max House Purchase LTV:
95%
Max Remortgage LTV:
0%
Min Loan:
£100,000
Max Loan:
Varies
Product Description:
3.69% Fixed for 5 years
Incentives:

Initial Monthly Repayment:
£766.31 x 60
Ongoing Monthly Payments:
£922.65 x 240
Total Amount Payable:
£269,363.60
Total Interest Payable:
£117,414.60
Valuation Fee:
Free
Exit Admin Fee:
£150
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 5 yrs: 5/4/3/2/1% Sum Repaid

Hinckley & Rugby BS 5 Year Fixed

Cashback Available

Initial Rate
3.69% Fixed for 5 years
APRC
5.00%
Product Fee
£999
Monthly Repayment
£766.31

Continue on Fluent Mortgages' website + More info

Lender:
Hinckley & Rugby BS
Max First Time Buyer LTV:
90%
Max House Purchase LTV:
90%
Max Remortgage LTV:
90%
Min Loan:
£100,000
Max Loan:
£1,500,000
Product Description:
3.69% Fixed for 5 years
Incentives:
£250 cashback Remortgages

Initial Monthly Repayment:
£766.31 x 60
Ongoing Monthly Payments:
£922.65 x 240
Total Amount Payable:
£268,713.60
Total Interest Payable:
£117,414.60
Valuation Fee:
Free
Exit Admin Fee:
£150
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 5 yrs: 5/4/3/2/1% Sum Repaid

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Hinckley & Rugby BS Standard Variable Rate

Cashback Available

Initial Rate
5.89% Standard Variable Rate
APRC
6.10%
Product Fee
£250
Monthly Repayment
£956.39

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Lender:
Hinckley & Rugby BS
Max First Time Buyer LTV:
75%
Max House Purchase LTV:
75%
Max Remortgage LTV:
75%
Min Loan:
£100,000
Max Loan:
Varies
Product Description:
5.89% Standard Variable Rate
Incentives:
£250 cashback Remortgages

Ongoing Monthly Payments:
£956.39 x 300
Total Amount Payable:
£287,712
Total Interest Payable:
£136,917
Valuation Fee:
£245
Exit Admin Fee:
£150
Early Repayment Charge:
No

Your home may be repossessed if you do not keep up repayments on your mortgage.

The mortgage data above was supplied by Moneyfacts Group Plc and is updated at the time of mortgage search. The figures and data provided in our tables are for illustration purposes only. While we make every effort to ensure the accuracy of this data you should always confirm the terms on offer with the provider/broker. We do not give any financial advice.

Our mortgage comparison service is partnered with Fluent Mortgages for selections made outside of our featured lenders. Featured lenders are firms with whom we have a direct commercial relationship.

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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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