Mortgages FAQs

Applying for a mortgage

Speak to one of our advisers today on 01455 894084 about applying for a mortgage and product suitability. Alternatively, send us a message and we will get back to you as quickly soon as possible.

Click below to view our current range of mortgages.

The interest rate on our mortgages is dependant on the type selected. Click below to view our current range of mortgages.

If you have changed your name, please let us know so we can update our records.

We will need to see documentation to confirm your new name, we accept the following documents:

• Change of Name Deed
• Marriage Certificate 
• Civil Partnership Certificate
• Gender Recognition Certificate or a letter from a doctor or medical professional confirming the change of gender is likely to be permanent
• New Birth or Adoption Certificate

Click below to contact us.

If you have moved address or changed your phone number or email address, please let us know.

If you have moved address, we will verify your new address using an electronic verification system. We do this to protect you against the risk of identity fraud and to comply with money laundering regulations. If the search is unsuccessful or you are under 18, we will ask you to provide a document confirming your new address such as a bank statement (this could be in the name of a parent or guardian living at the same address if not available in the young saver’s name).

Each account holder must notify us of any changes to their contact details individually.

Please note: We are unable to change your address online if you’re not already registered for H&R Online. If you are looking to change your address, please call us on 01455 894 099 or visit one of our branches or agencies.

Moving house is an exciting time, but it can be stressful. Let us remove some of that uncertainty by taking care of the mortgage on your new home.

Click below for more information.

Losing a loved one is an incredibly challenging time, not only are you having to cope with the grief, but also dealing with several practical matters that need attending to. Our team will do our best to make this process as easy as we can for you. 

Please click below to see how we can help.

If you want to overpay on your mortgage account, you can transfer money to us using the Society’s bank details. See the next question for details.

Please note, an Early Repayment Charge may be payable, it’s important that you check your latest Mortgage Offer for full details of any Early Repayment Charges that apply to your mortgage before sending any additional payments.

A Capital Repayment is a payment of at least £500 over and above your Contractual Monthly Payment and any other amounts due and payable under the conditions of your mortgage.

After making a Capital Repayment you can ask the Society to recalculate your normal monthly payments, or you can leave your monthly payments as they are which will have the effect of reducing the remaining Mortgage Term. Payments will not be recalculated following a Capital Repayment unless specifically requested.

Contractual monthly payments are automatically recalculated following any interest rate change on your mortgage account.

To pay money into your account online or set up a regular Standing Order, please use these details:

Account type: Personal account
Payee’s full name: Your full name
Sort code: 40-05-30
Account number: 74575938
Reference or roll number: Your 11-digit Hinckley & Rugby mortgage account number. Without this, we will not be able to allocate the money to your account, and it will be returned to sender. If you require the payment to go to a specific sub-account, you will need to add the number of that sub-account, for example: 01 XXX XXXXX X / X.

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Yes. If you are having difficulties in paying your mortgage then please get in touch with us as soon as possible. Click below to find out more.

Click below to find out more.

Click below to find out more about borrowing more or contact us for more information.

You can find the current balance on your mortgage in a variety of ways:

On H&R Online

If you are registered for our online services H&R Online, you can check your current balance by logging in online. Due to the nature of our online service, it may take up to two working days for transactions to be reflected on our system.

If you are not already registered for our online services, you can do so here. will need to follow our registration process. Following your request to register, you will receive a letter through the post confirming your unique User ID and activation key to enable you to log in and view your account balance.

Contact Us – 01455 894 099

Click below to find out more about changing the term of your mortgage.

Click below to find out more about changing the repayment method of your mortgage.

Click below to find out more about adding or removing a borrower on a Hinckley & Rugby Building Society mortgage.

Click below to find out more about consent to let out your property.

Click below to find out more about payment holidays.

Click below to find out more about current tariffs for mortgage charges.

Click below to find out more about paying off your mortgage early.

H&R Online has been designed to be easy to use and has a range of features that we hope you will find really useful, including a secure private messaging service. Click below to find out more.

Offset Mortgages are no longer available to new customers. If you are an existing customer, click the link below to view how your Offset Mortgage works at Hinckley & Rugby.