Hinckley & Rugby Building Society
Hinckley & Rugby Building Society

Hinckley & Rugby Building Society

The Hinckley & Rugby Building Society is a mutual building society that lends across England and Wales.

Our range of residential and buy to let mortgages and our manual approach to underwriting, enables us to assess mortgages based on individual circumstances and the overall case value rather than rely on automated systems.


Key Features Tools & Calculators

Hinckley & Rugby Building Society

Proc Fees

Product Gross Net
All Products 0.42% 0.4%
Product Transfers 0.2% 0.18%
Product Type When does the lender pay PMS? Frequency
All The month after completion. Monthly.

Lenders send payments by BACS which can take anything up to 5 working days to clear at PMS. PMS then make payment to brokers once the funds have cleared in our account.  

Key Features

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    Mortgage Referral Committee & Manual Underwriting

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    Joint borrower sole proprietor and split term loans

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    BTL Top Slicing – we use personal income to cover the rental shortfall

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    Later life lending including RIO



Post Code Restrictions: Lender-InfoBoxWhite

Registering to use the system will give you access to an online DIP, KFI and mortgage application submission facility. The DIP does not incorporate a credit check. If you have not used the system before, you will first need to register, and this only takes a few minutes.

The Society lends in England and Wales.

Register Lender-InfoBoxWhite

Register to place business with Hinckley Rugby Building Society:

*Please select that you are a PMS Mortgage Club member when registering, placing business or checking existing payment route to ensure you receive the procuration fee quoted by PMS.


We pride ourselves on customer service and that all underwriting decisions are made manually and with no credit scoring. We hold a daily ‘mortgage referral committee’ where the Society’s most senior decision makers meet and assess each case considering the supporting infrastructure of assets, debt, income and cost. Our Mortgage Referral Committee is in place to help support PMS members and their complex cases.

The Society offers lending for residential house purchase and remortgage loans up to 95% LTV and 75% LTV for BTL. We also lend on a joint borrower sole proprietor basis, interest only, new build and offer BTL top slicing.

In addition, the Society is a prominent lender in the later life lending market, we offer Retirement Interest Only mortgages, and allow applicants to borrow up to age 85 with no requirement for a single affordability check. We also consider earned income to age 75.

Please call the telephone sales team to talk through any enquiries which need an individual and common sense approach.

Tools & Calculators