Hinckley & Rugby Building Society is a mutual organisation that provides a range of mortgage products.

What are the mortgage products Hinckley & Rugby Building Society offer?  

Hinckley & Rugby Building Society provides a range of mortgages including standard residential mortgages, buy-to-let, and specialist products such as Joint Borrower Sole Proprietor mortgages. They also offer self-build solutions and a variety of savings products, including easy access accounts, cash ISAs, and notice accounts.

How can I apply for a Hinckley & Rugby Building Society product? 

You can apply for their products by contacting them directly via their website or by visiting a local branch. They have a dedicated team for intermediary mortgage business.

Can Hinckley & Rugby Building Society help residential mortgage customers?  

Yes, they offer residential mortgages that cater to various needs, including those of first-time buyers and existing homeowners looking to move or remortgage.

Can Hinckley & Rugby Building Society help Self-employed mortgage customers? 

Hinckley & Rugby Building Society has increased the Loan to Value (LTV) offered to self-employed applicants, who can now benefit from up to 95% LTV with 2 years accounts required.

Can Hinckley & Rugby Building Society help first time buyer mortgage customers?

The building society has products specifically aimed at helping first-time buyers, such as the Joint Borrower Sole Proprietor mortgages which can boost affordability by allowing income from another individual to be considered​.

Can Hinckley & Rugby Building Society help adverse mortgage customers? Or customers with poor credit rating?  

Yes, the Credit Flex mortgages are designed for individuals who might need understanding around their credit circumstances, suggesting support for those with less-than-perfect credit histories.

Can Hinckley & Rugby Building Society help later life or retired mortgage customers? 

The building society offers Later Life lending options, catering to the financial needs of older or retired customers​.

Can Hinckley & Rugby Building Society help with second charge mortgages, secured loan or homeowner customers?  

The building society provides tailored mortgage options which may include second charge mortgages, particularly through their specialist mortgage range.

Can Hinckley & Rugby Building Society help buy to let mortgage customers?   

Hinckley & Rugby offers buy-to-let mortgages for new and existing landlords, supporting the expansion or management of property portfolios​.

Can Hinckley & Rugby Building Society help limited company buy to let mortgage customers?  

Their product range includes solutions for portfolio landlords, which typically cater to more complex buy-to-let situations, potentially including limited company arrangements​.

Can Hinckley & Rugby Building Society help with commercial or short-term mortgage customers?  

No, the building society primarily focuses on residential and buy-to-let mortgages.

What Credit scoring agency does Hinckley & Rugby Building Society use? 

Hinckley & Rugby uses a manual underwriting process and does not rely on credit scoring, preferring to assess each case on its individual merits​.