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Due to ongoing levels of very high demand, we are currently unable to offer appointment times to discuss new borrowing. We are operating a waiting list and will be in touch as soon as there is availability. If you would like to be added to the waiting list then please complete this form. We apologise for the delays but are committed to responding to everyone.

For existing borrowers considering moving home, we are still able to offer appointments between 9am and 12noon Monday to Friday. Please submit your enquiry here and we will be in touch.

Notice for customers: the Ministry of Housing, Communities and Local Government has issued some advice on home moving during the COVID-19 outbreak. The guidance is specifically for people who are buying or selling private residential homes in which they intend to live.

Hinckley & Rugby recognises that choosing the right mortgage may be difficult, but we have always tried to make our products straightforward and easy to understand so that you can select the product best suited to your needs.

We are proud of the service which we provide to our members but don’t just take our word for it – read some of their comments.

Choose from the product types below to find the mortgage to suit you…alternatively you may wish to use our Mortgage Finder to help you.

All our mortgages are available on properties in England and Wales. You must be 18 to be able to apply for a mortgage. All mortgages will be subject to status and an assessment of the property.


Flexible Mortgages

Flexible mortgages from Hinckley and Rugby Building Society

Take control and adapt your mortgage to suit your changing needs, by taking a payment holiday or making an underpayment or overpayment Continue reading →

Fee Free Mortgages

Fee Free mortgages from Hinckley and Rugby Building Society

Get all the benefits of a Hinckley & Rugby mortgage but with no fees to pay during the life of the mortgage, including when you apply, complete or redeem Continue reading →

Fixed Rate Mortgages

Fixed Rate mortgages from Hinckley and Rugby Building Society

Fixed Rate Mortgages offer you peace of mind that your monthly payments will not vary for a set period whether or not the Bank of England Base Rate changes Continue reading →

Discount Mortgages

Discount mortgages from Hinckley and Rugby Building Society

Get a discount off Standard Variable Rate (SVR) for a set period – if the SVR changes, the discount is guaranteed to remain the same Continue reading →

Offset mortgages

Offset mortgages from Hinckley and Rugby Building Society

Save money and potentially reduce the term of your mortgage by offsetting your savings – over the life of your mortgage you are only charged interest on the difference Continue reading →

Buy to Let Mortgages

Buy to Let mortgage from Hinckley and Rugby Building Society

Manage your property portfolio, whether you are just starting out as a landlord, expanding by buying a new property or moving from another lender Continue reading →

Joint Borrower Sole Proprietor Mortgages

Help a family member to get onto the housing ladder by boosting their income with your own and without adding you to the title deeds Continue reading →

Later life mortgages

Purpose-designed assistance for borrowers whose circumstances mean they need a mortgage to take them into later life Continue reading →

Standard Variable Rate Mortgage Category

Standard Variable rate mortgages from Hinckley and Rugby Building Society

Hinckley & Rugby’s Standard Variable Rate Mortgage. Continue reading →

Non Owner Occupier Mortgages

A Non Owner Occupier mortgage may be available for first time buyers or other would-be landlords who do not own a residential property, depending on their circumstances. Continue reading →

Green mortgages

Access additional borrowing to make energy-efficiency improvements to your property if you are already an existing customer. Continue reading →