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Hinckley and Rugby Building Society
Hinckley and Rugby Building Society
ABOUT Hinckley and Rugby BS
Hinckley and Rugby Building Society was formed in 1983. It was the result of a merger between Hinckley Permanent Building Society and Rugby Provident Building Society both of which can trace their roots back to the mid nineteenth century.
It has total assets of £630 million and over 80,000 investors and over 9,000 borrowers.
Hinckley and Rugby have 12 branches and 5 agencies and is represented in most of the larger towns and cities of the East Midlands.
It is committed to remaining an independent and mutual organisation.
Hinckley and Rugby Building Society mortgage products are only available in England and Wales. It offers:
- Flexible Mortgage
- Flexible Offset
- Standard Variable Rate
| Hinckley and Rugby Building Society Mortgage Products |
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Flexible Mortgage: your rate is variable and it will not be set higher than 0.95% above the Bank of England base rate for the entire term of the mortgage. If the Bank of England base rate changes then your rate will change within a month.
Interest is calculated daily. There is no early repayment charge. This product is flexible – you can make overpayments and you can take payment holidays. Additional borrowing will be considered. There is no arrangement or application fee. There is no higher lending charge. The loan should not exceed 80% LTV. There is a free standard admin fee for re-mortgages. Applicants must be over 23 years. This product is portable.
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Flexible Offset: your rate is variable and it will not be set higher than 0.95% above the Bank of England base rate for the entire term of the mortgage. If the Bank of England base rate changes then your rate will change within a month.
Interest is calculated daily. There is no early repayment charge. This product has an offset option – you can offset your savings and current account against your mortgage balance so that you only make repayments on the difference. This product is flexible – you can make overpayments and you can take payment holidays. Additional borrowing will be considered. There is no arrangement or application fee. There is no higher lending charge. The loan should not exceed 95% LTV. There is a free standard admin fee for re-mortgages. Applicants must be over 23 years. This product is portable.
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Standard Variable Rate: your rate is set at the Society’s standard variable rate for the entire term of the mortgage. Interest is calculated annually. There is no early repayment charge. There is no arrangement or application fee. For advances over 80% LTV a higher lending charge may apply. The loan should not exceed 95% LTV. There is a free standard admin fee for re-mortgages. Applicants must be over 18 years. This product is portable.
If you are interested in a mortgage quotation including those offered by Hinckley and Rugby Building Society please complete our quick enquiry form.
Hinckley and Rugby Building Society also have a Flexible Tracker mortgage product:
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Flexible Tracker: your rate is set 0.45% above the Bank of England base rate for the entire term of the mortgage. If the Bank of England base rate changes then your rate will change within a month.
Interest is calculated daily. There is no early repayment charge. This product has an offset option – you can offset your savings and current account against your mortgage balance so that you only make repayments on the difference.
This product is flexible – you can make overpayments and you can take payment holidays. Additional borrowing will be considered. There is an arrangement fee. There is no higher lending charge. The loan should not exceed 95% LTV. There is a free standard admin fee for re-mortgages. Applicants must be over 23 years. This product is portable. |
| Current Hinckley and Rugby Building Society Mortgage Offers |
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| Hinckley and Rugby Building Society Mortgage News |
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