Mortgages FAQs

We only provide new mortgages that are arranged through a mortgage broker. You can see our range of mortgages here, including interest rates. If you feel that a particular mortgage meets your needs, please talk to your mortgage broker about it. They will take care of everything on your behalf.

To change a name on your account, you will need to complete a Change of Name form (see link below) and provide proof of the change of name. We can accept the following documents:

The document must be an original or a certified copy.

An official copy of a birth, adoption, death, marriage or civil partnership certificate, is the same as an original – you can order a copy of your certificate at gov.uk/ordercopy- birth-death-marriage-certificate. A certified copy is a legally acceptable copy of almost any document, but it must be correctly certified by one of the following UK-based individuals (one who offers this service) and must be dated within the last three months:

• solicitor
• accountant
• bank/building society official
• independent financial adviser
• post office official
• minister of a recognised religion
• doctor, dentist or police officer.

The person certifying the document must not be related to any person named on the account. A correctly certified copy is one where the certifier:

• writes ‘Certified to be a true copy of the original seen by me’ on the document;
• signs and dates it;
• prints their full name under the signature; and
• adds their occupation, business address and telephone number.

Click below to download the Change of Name form (or contact us to send you one), and when completed please post it with the document to: Hinckley & Rugby Building Society, Upper Bond Street, Hinckley, LE10 1NZ.

If you have changed your phone number or email address, please let us know without delay. You can inform us in three ways.

• Call us on 0800 434 6343.
• Send us a secure message on H&R Online.
• Post a signed request (a letter) to Hinckley & Rugby Building Society, Upper Bond Street, Hinckley, LE10 1NZ.

For a joint account, each account holder must inform us of any changes to their own contact details.

If you have changed your correspondence address (e.g. a buy-to-let customer not living at the mortgaged property), you can inform us in two ways.

• Call us on 0800 434 6343.
• Post a signed request (a letter) to Hinckley & Rugby Building Society, Upper Bond Street, Hinckley, LE10 1NZ.

To protect you from the risk of fraud, we will carry out an electronic ID check to confirm the new correspondence address. If this is unsuccessful, we will contact you to provide a document that confirms your new address, such as a recent bank statement.

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 a very difficult time. We do our best to make the process of dealing with their Hinckley & Rugby accounts as easy and straightforward as possible.

Please click below to see how we can help.

If you wish to make extra payments to reduce the balance on your mortgage account, please check your latest Mortgage Offer for details of any Early Repayment Charges that apply before sending any extra payments.

If you make a Capital Repayment (£500 or more, over and above your Contractual Monthly Payment and any other amounts due under the conditions of your mortgage), you can:

• ask us to recalculate your normal monthly payments (to pay less each month), or
• leave your monthly payments as they are, which will reduce the remaining mortgage term (pay off the mortgage sooner).

Payments will only be recalculated following a Capital Repayment if requested. To make an overpayment, please see the next question for the Society’s bank details.

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 (with no spaces). 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 to the 11-digit account number, for example: 01234567891/1.

If you are a business (e.g. a limited company buy-to-let customer), the account type is Business account and the payee is the business name of your mortgage account.

Click below to find out more.

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 for information about borrowing more on your mortgage.

If you are registered for our online service H&R Online, you can check your current balance at any time. Please note that it may take up to two business days for payments to be updated on our system.

You can also contact us for your current balance by calling 0800 434 6343 or emailing customerservice@hrbs.co.uk.

If you have not yet registered for H&R Online, you can do so below. Once you have registered, you will receive a letter through the post with an activation key so that you can start using the service.

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 for our current list (tariff) of mortgage administration 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.