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Hinckley & Rugby Building Society Mortgage Rates & Fees Comparison

Hinckley & Rugby Building Society offers a range of fixed and variable rate mortgages that could be suitable for you.

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By

Matthew Boyle

Updated

Fact checked

Hinckley & Rugby Building Society is a regional society based in the Midlands, serving not only towns and cities in the area but also smaller villages. The company dedicates itself to providing savings and mortgage products at competitive rates and with a customer-focused approach.

Compare Hinckley & Rugby Building Society’s mortgage rates

1 - 7 of 9
Updated daily
Name Product Initial rate Revert rate (SVR) Maximum LTV Borrower type Overall cost for comparison Cashback Apply link
Hinckley & Rugby Building Society 2 Years Discounted Variable
CASHBACK
Hinckley & Rugby BS 2 years Discounted Variable
4.79% variable (SVR minus 3.9%) for 2 years
8.69% variable
90%
First-time buyer, Moving home, Remortgaging
7.8% APRC
Eligible customers can receive up to £250 cashback on completion. T&Cs apply.
View details
Hinckley & Rugby Building Society 2 Years Discounted Variable
CASHBACK
Hinckley & Rugby BS 2 years Discounted Variable
4.79% variable (SVR minus 3.9%) for 2 years
8.69% variable
90%
First-time buyer, Moving home, Remortgaging
7.8% APRC
Eligible customers can receive up to £250 cashback on completion. T&Cs apply.
View details
Hinckley & Rugby Building Society 2 Years Discounted Variable
Hinckley & Rugby BS 2 years Discounted Variable
5.09% variable (SVR minus 3.6%) for 2 years
8.69% variable
80%
First-time buyer, Moving home, Remortgaging
7.9% APRC
View details
Hinckley & Rugby Building Society 2 Years Discounted Variable
Hinckley & Rugby BS 2 years Discounted Variable
5.29% variable (SVR minus 3.4%) for 2 years
8.69% variable
80%
First-time buyer, Moving home, Remortgaging
7.9% APRC
View details
Hinckley & Rugby Building Society 2 Years Discounted Variable
Hinckley & Rugby BS 2 years Discounted Variable
5.29% variable (SVR minus 3.4%) for 2 years
8.69% variable
90%
First-time buyer, Moving home, Remortgaging
7.9% APRC
View details
Hinckley & Rugby Building Society 2 Years Fixed
CASHBACK
Hinckley & Rugby BS 2 years Fixed
5.3% fixed for 2 years
8.69% variable
80%
First-time buyer, Moving home, Remortgaging
8.3% APRC
Eligible customers can receive up to £250 cashback on completion. T&Cs apply.
View details
Hinckley & Rugby Building Society 2 Years Fixed
CASHBACK
Hinckley & Rugby BS 2 years Fixed
5.5% fixed for 2 years
8.69% variable
90%
First-time buyer, Moving home, Remortgaging
8.4% APRC
Eligible customers can receive up to £250 cashback on completion. T&Cs apply.
View details
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Hinckley & Rugby Building Society’s buy-to-let mortgage rates

1 - 5 of 5
Updated daily
Name Product Initial rate Revert rate (SVR) Maximum LTV Overall cost for comparison Cashback Link
Hinckley & Rugby Building Society 2 Years Discounted Variable
Hinckley & Rugby BS 2 years Discounted Variable
4.59% variable (SVR minus 4.1%) for 2 years
8.69% variable
60%
8.2% APRC
View details
Hinckley & Rugby Building Society 2 Years Discounted Variable
Hinckley & Rugby BS 2 years Discounted Variable
4.65% variable (SVR minus 4.04%) for 2 years
8.69% variable
75%
8.2% APRC
View details
Hinckley & Rugby Building Society 2 Years Discounted Variable
Hinckley & Rugby BS 2 years Discounted Variable
4.89% variable (SVR minus 3.8%) for 2 years
8.69% variable
60%
8.3% APRC
View details
Hinckley & Rugby Building Society 2 Years Discounted Variable
Hinckley & Rugby BS 2 years Discounted Variable
4.89% variable (SVR minus 3.8%) for 2 years
8.69% variable
60%
8.3% APRC
View details
Hinckley & Rugby Building Society 2 Years Discounted Variable
Hinckley & Rugby BS 2 years Discounted Variable
5.39% variable (SVR minus 3.3%) for 2 years
8.69% variable
70%
8.4% APRC
View details
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Overall representative example
If you borrow £178,000 over a 25-year term at 4.56% p.a. (fixed) for 60 months reverting to 7.50% p.a. (variable) for the remaining term, you would make 60 monthly payments of £995.45 and 240 monthly payments of £1261.11. The total payable would be £362,773.40, which includes the interest of £184,393, valuation fees of £0 and a product fee of £0. The overall cost for comparison is 6.4% APRC representative.
Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

What types of mortgages can I get with Hinckley & Rugby Building Society?

  • Fixed rate Your interest rate will remain locked for a set amount of time. The lender currently offers mortgages with fixed-rate periods of two or five years.
  • Remortgages You can switch your existing mortgage to Hinckley & Rugby via one of its remortgage products.
  • Flexible. This mortgage is more flexible when it comes to making underpayments, overpayments or taking payment holidays.
  • Offset This mortgage allows you to use the funds in your savings account to offset the amount of your mortgage balance you pay interest on.
  • Discounted rate.Your interest rate will remain a specific percentage below the lender’s standard variable rate for a set amount of time. After the discount period ends, you’ll be switched onto the standard variable rate.
  • Variable rate You’ll remain on the lender’s standard variable rate throughout the mortgage term.
  • Buy to let This mortgage allows you to borrow money to buy an additional property and let it out to tenants.

How to apply

You can apply online or arrange for a mortgage expert to call you via hrbs.co.uk. Alternatively, you can call 0800 434 6343 to apply over the phone.

What information is needed to apply?

All applicants will need to provide proof of identity, proof of residency and proof of deposit
Employees will be asked for their last three monthly payslips and their most recent P60. Self-employed applicants will be asked for their last three annual SA302s.

Eligibility criteria

  • You must be at least 18 years old.
  • You must have been a UK resident for at least three years.
  • You must be buying a property in England or Wales.
  • Employed applicants must have been continuously employed in the same industry for at least six months, and permanently employed with the same company for at least three months.
  • Self-employed applicants must be able to provide three years of their most recent tax accounts.
  • All applicants are subject to an affordability assessment and a credit check.

Contact information

For general mortgage queries, you can call 0800 434 6343, email enquiry@hrbs.co.uk or use the live chat function on hrbs.co.uk. Alternatively, you can write a letter to Principal Office, Hinckley & Rugby Building Society, Upper Bond Street, Hinckley, Leicestershire, LE10 1NZ.

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