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Residential Mortgages

Hinckley & Rugby recognises that choosing the right mortgage for your client may be difficult, but we have always tried to make our products straightforward and easy to understand.

Please find below a complete list of all currently available residential mortgage products.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

We currently have: 10 residential mortgage products
Standard Variable mortgages from Hinckley and Rugby Building Society

STANDARD VARIABLE RATE

With effect from 30 January 2017

Available throughout England and Wales

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Maximum loan to value available:The Society's Standard Variable
Rate of interest
The overall cost for comparison is:
75%5.64% variable 5.8%
APRC
Login and Enquire about this 5.64% variable rateLogin and Enquire about this 5.64% variable rateMore information about: Standard Variable Rate Mortgage ProductDetails of the maximum loan available for your client's required loan to value can be found in the Guide to Terms & Underwriting Criteria, which can be found under the Criteria & Terms tab

What to do next

Our preferred method of contact is via the "Request a callback" link. We aim to return your calls within just a few minutes. Alternatively you may complete the form under the Contact tab, usually for a same day response.

lifetime dis - header

SPECIAL MORTGAGE SCHEME

With effect from 3 July 2017

Available throughout England and Wales

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Maximum loan to value available:Discount of 3.69% off the Society's Standard
Variable Rate for the term of the mortgage
The overall cost for comparison is:
80%1.95% variable 2.0%
APRC
Login and Enquire about this 1.95% variable rateLogin and Enquire about this 1.95% variable rateMore information about: Lifetime DiscountDetails of the maximum loan available for your client's required loan to value can be found in the Guide to Terms & Underwriting Criteria, which can be found under the Criteria & Terms tab
Maximum loan to value available:Discount of 3.40% off the Society's Standard
Variable Rate for the term of the mortgage
The overall cost for comparison is:
90%2.24% variable 2.3%
APRC
Login and Enquire about this 2.24% variable rateLogin and Enquire about this 2.24% variable rateMore information about: Lifetime DiscountDetails of the maximum loan available for your client's required loan to value can be found in the Guide to Terms & Underwriting Criteria, which can be found under the Criteria & Terms tab
Maximum loan to value available:Discount of 1.65% off the Society's Standard
Variable Rate for the term of the mortgage
The overall cost for comparison is:
95%3.99% variable* 4.1%
APRC
Login and Enquire about this 3.99% variable* rateLogin and Enquire about this 3.99% variable* rateMore information about: Lifetime DiscountDetails of the maximum loan available for your client's required loan to value can be found in the Guide to Terms & Underwriting Criteria, which can be found under the Criteria & Terms tab

What to do next

Our preferred method of contact is via the "Request a callback" link. We aim to return your calls within just a few minutes. Alternatively you may complete the form under the Contact tab, usually for a same day response.

Lifetime tracker mortgages from Hinckley and Rugby Building Society

SPECIAL MORTGAGE SCHEME

With effect from 30 January 2017

Available throughout England and Wales

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Maximum loan to value available:Tracks at 2.39% above Bank of England Base Rate for the term of the mortgage. Will not go below a floor of: 2.64%The overall cost for comparison is:
80%2.64% variable 2.7%
APRC
Login and Enquire about this 2.64% variable rateLogin and Enquire about this 2.64% variable rateMore information about: Lifetime Tracker MortgageDetails of the maximum loan available for your client's required loan to value can be found in the Guide to Terms & Underwriting Criteria, which can be found under the Criteria & Terms tab
Maximum loan to value available:Tracks at 3.19% above Bank of England Base Rate for the term of the mortgage. Will not go below a floor of: 3.44%The overall cost for comparison is:
85%3.44% variable 3.5%
APRC
Login and Enquire about this 3.44% variable rateLogin and Enquire about this 3.44% variable rateMore information about: Lifetime Tracker MortgageDetails of the maximum loan available for your client's required loan to value can be found in the Guide to Terms & Underwriting Criteria, which can be found under the Criteria & Terms tab

What to do next

Our preferred method of contact is via the "Request a callback" link. We aim to return your calls within just a few minutes. Alternatively you may complete the form under the Contact tab, usually for a same day response.

2 Year Discount Mortgages from Hinckley and Rugby Building Society

SPECIAL MORTGAGE SCHEME

With effect from 3 July 2017

Available throughout England and Wales

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Maximum loan to value available:3.99% off the Society's Standard Variable Rate for 2 yearsReverts to 1.65% discount off SVR for the next 3 yearsThen reverting for the rest of the term of the mortgage to Standard Variable Rate (SVR)The overall cost for comparison is:
85%1.65% variable3.99% variable5.64%
variable
4.6% APRC
Login and Enquire about this 1.65% variable rateLogin and Enquire about this 1.65% variable rateMore information about: 2 Year Discount MortgageDetails of the maximum loan available for your client's required loan to value can be found in the Guide to Terms & Underwriting Criteria, which can be found under the Criteria & Terms tab
Maximum loan to value available:3.69% off the Society's Standard Variable Rate for 2 yearsReverts to 1.65% discount off SVR for the next 3 yearsThen reverting for the rest of the term of the mortgage to Standard Variable Rate (SVR)The overall cost for comparison is:
90%1.95% variable3.99% variable5.64%
variable
4.7% APRC
Login and Enquire about this 1.95% variable rateLogin and Enquire about this 1.95% variable rateMore information about: 2 Year Discount MortgageDetails of the maximum loan available for your client's required loan to value can be found in the Guide to Terms & Underwriting Criteria, which can be found under the Criteria & Terms tab

What to do next

Our preferred method of contact is via the "Request a callback" link. We aim to return your calls within just a few minutes. Alternatively you may complete the form under the Contact tab, usually for a same day response.

5 Year Fixed Rate Mortgages from Hinckley and Rugby Building Society

SPECIAL MORTGAGE SCHEME

With effect from 14 June 2017

Available throughout England and Wales

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Maximum loan to value available:Fixed for 5 years from completionReverting for the rest of the term of the mortgage to Standard Variable Rate (SVR)The overall cost for comparison is:
85%2.29% fixed5.64%
variable
 4.3%
APRC
Login and Enquire about this 2.29% fixed rateLogin and Enquire about this 2.29% fixed rateMore information about: 5 Year Fixed Rate Mortgage ProductsDetails of the maximum loan available for your client's required loan to value can be found in the Guide to Terms & Underwriting Criteria, which can be found under the Criteria & Terms tab
Maximum loan to value available:Fixed for 5 years from completionReverting for the rest of the term of the mortgage to Standard Variable Rate (SVR)The overall cost for comparison is:
90%2.69% fixed5.64%
variable
 4.5%
APRC
Login and Enquire about this 2.69% fixed rateLogin and Enquire about this 2.69% fixed rateMore information about: 5 Year Fixed Rate Mortgage ProductsDetails of the maximum loan available for your client's required loan to value can be found in the Guide to Terms & Underwriting Criteria, which can be found under the Criteria & Terms tab

What to do next

Our preferred method of contact is via the "Request a callback" link. We aim to return your calls within just a few minutes. Alternatively you may complete the form under the Contact tab, usually for a same day response.

Lifetime fee free disc header

SPECIAL MORTGAGE SCHEME

With effect from 27 March 2017

Available throughout England and Wales

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Maximum loan to value available:3.55% off the Society's Standard Variable Rate
for the term of the mortgage
The overall cost for comparison is:
80%2.09% variable 2.1% APRC
Login and Enquire about this 2.09% variable rateLogin and Enquire about this 2.09% variable rateMore information about: Lifetime Fee Free Discount MortgageDetails of the maximum loan available for your client's required loan to value can be found in the Guide to Terms & Underwriting Criteria, which can be found under the Criteria & Terms tab

What to do next

Our preferred method of contact is via the "Request a callback" link. We aim to return your calls within just a few minutes. Alternatively you may complete the form under the Contact tab, usually for a same day response.

2 Year Fixed mortgages from Hinckley and Rugby Building Society

SPECIAL MORTGAGE SCHEME

With effect from 3 July 2017

Available throughout England and Wales

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Maximum loan to value available:Fixed for 2 years from date of completionReverts to 1.65% discount off SVR for the next 3 yearsThen reverting for the rest of the term of the mortgage to Standard Variable Rate (SVR)The overall cost for comparison is:
80%1.89% fixed3.99% variable5.64%
variable
4.7% APRC
Login and Enquire about this 1.89% fixed rateLogin and Enquire about this 1.89% fixed rateMore information about: 2 Year Fixed Rate MortgagesDetails of the maximum loan available for your client's required loan to value can be found in the Guide to Terms & Underwriting Criteria, which can be found under the Criteria & Terms tab
Maximum loan to value available:Fixed for 2 years from date of completionReverts to 1.65% discount off SVR for the next 3 yearsThen reverting for the rest of the term of the mortgage to Standard Variable Rate (SVR)The overall cost for comparison is:
90%2.09% fixed3.99% variable5.64%
variable
4.7% APRC
Login and Enquire about this 2.09% fixed rateLogin and Enquire about this 2.09% fixed rateMore information about: 2 Year Fixed Rate MortgagesDetails of the maximum loan available for your client's required loan to value can be found in the Guide to Terms & Underwriting Criteria, which can be found under the Criteria & Terms tab

What to do next

Our preferred method of contact is via the "Request a callback" link. We aim to return your calls within just a few minutes. Alternatively you may complete the form under the Contact tab, usually for a same day response.

H&R-Self-Build-Mortgage product -Header_PondWith effect from 30 January 2017

Available throughout England and Wales

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Maximum loan to value available:The Society's Standard Variable
Rate of interest
The overall cost for comparison is:
75%5.64% variable 5.8%
APR
Login and Enquire about this 5.64% variable rateLogin and Enquire about this 5.64% variable rateMore information about: Self Build MortgagesDetails of the maximum loan available for your client's required loan to value can be found in the Guide to Terms & Underwriting Criteria, which can be found under the Criteria & Terms tab

What to do next

Our preferred method of contact is via the "Request a callback" link. We aim to return your calls within just a few minutes. Alternatively you may complete the form under the Contact tab, usually for a same day response.

3 year fixed rate mortgages header

SPECIAL MORTGAGE SCHEME

With effect from 13 March 2017

Available throughout England and Wales

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Maximum loan to value available:Fixed for 3 years from date of completionReverts to 1.65% discount off SVR for the next 2 yearsThe overall cost for comparison is:
90%2.39%
fixed
3.99% variable4.6%
APRC
Login and Enquire about this 2.39%
fixed rateLogin and Enquire about this 2.39%
fixed rateMore information about: 3 Year Fixed Rate MortgagesDetails of the maximum loan available for your client's required loan to value can be found in the Guide to Terms & Underwriting Criteria, which can be found under the Criteria & Terms tab

What to do next

Our preferred method of contact is via the "Request a callback" link. We aim to return your calls within just a few minutes. Alternatively you may complete the form under the Contact tab, usually for a same day response.

2-year-fixed-fee-free-headerSPECIAL MORTGAGE SCHEME

With effect from 16 October 2017

Available throughout England and Wales

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Maximum loan to value available:Fixed for 2 years from date of completionReverts to 1.65% discount off SVR for the next 3 yearsThen reverting for the rest of the term of the mortgage to Standard Variable Rate (SVR)The overall cost for comparison is:
90%2.39% fixed3.99% variable5.64%
variable
4.8% APRC
Login and Enquire about this 2.39% fixed rateLogin and Enquire about this 2.39% fixed rateMore information about: 2 Year Fixed Rate Fee FreeDetails of the maximum loan available for your client's required loan to value can be found in the Guide to Terms & Underwriting Criteria, which can be found under the Criteria & Terms tab

What to do next

Our preferred method of contact is via the "Request a callback" link. We aim to return your calls within just a few minutes. Alternatively you may complete the form under the Contact tab, usually for a same day response.