Term of business

Use of the website and/or registration on the intermediary portal and/or submitting a mortgage application assumes acceptance of the following terms and conditions:


Applications will only be accepted from mortgage intermediaries who hold current authorisation from the Financial Conduct Authority (FCA) for advising on and arranging mortgages or who are Appointed Representatives of an organisation authorised by the FCA to conduct such activities.

In accordance with money laundering regulations, intermediaries should verify and record the identity of all mortgage applicants before passing that application to us and forwarding the required supporting documentation.

Intermediaries should notify Hinckley & Rugby Building Society:

  • If their Consumer Credit Licence or any of their permissions are withdrawn
  • If they are investigated for breach of the Financial Services and Markets Act 2000
  • If their registration with the Financial Conduct Authority is terminated
  • If they are investigated by any regulatory body

All applications must be submitted fully packaged with all relevant monies due. We will not accept liability for delays caused by incomplete or inaccurate information provided by you. Prior to submission you must have taken reasonable steps to ensure the application meets our current lending criteria.

The applicants must consent to the Society making a credit reference search as part of its mortgage underwriting processing procedures. This consent must be obtained prior to submitting a DIP or full mortgage application to the Society.

All parties acknowledge that an ‘Agreement in Principle’ is not binding on either party.

All parties will ensure that the principles of treating customers fairly will be upheld at all times.

To help maintain service and quality, Hinckley & Rugby Building Society may record and monitor some telephone calls.

The Society may send marketing materials to registered intermediaries as it has identified a legitimate business interest in doing so. It is possible to unsubscribe from the receipt of marketing materials by clicking on the link displayed prominently in each email. Your information will not be passed on to any other party.

We reserve the right to query broker fees charged to applicants and may reject the application if we deem them to be excessive.

  • The products, services and policies on this website are subject to availability and may be withdrawn or amended without notice
  • Although we make every effort to ensure that the information on this website is both accurate and up-to-date, we accept no liability for any loss or damage (including consequential loss) due to an inability to use the site, omissions, inaccuracies or unavailability of the service
  • We can give no warranty that the site is free of viruses nor can be used with any computer, software or browser system. It is your responsibility to ensure that your equipment is compatible with the services provided on this website. You are responsible for any costs incurred to ensure your equipment is and remains compatible with our website
  • We reserve the right to withdraw your access to this service at any time for security reasons or where we believe the service is being misused. If you have not logged in to our online service for some time we may temporarily or permanently suspend your access to the service
  • All images, copy, underlying source code and downloadable content on this website are the property of Hinckley & Rugby Building Society and may only be used or reproduced with our express permission
  • Your username and password are provided for your sole use and must not be divulged to anyone else
  • Where other sites are linked to ours, there is no implication that the third-party site is part of this site. We will not accept any liability for any claim as a result of the content or activity of a third-party site

Data protection

Under the Data Protection Act 2018, when you supply any customer data or complete the mortgage application form, this is data owned by the Society in its capacity of Data Controller. For this purpose you are also a Data Controller and must comply with the requirements of the Data Protection Act 2018, the UK General Data Protection Regulations (UK GDPR), and the Privacy and Electronic Communications (EC Directive) Regulations 2003, and any legislation that replaces or converts into domestic law, the General Data Protection Regulations (EU) 2016/679 or any other law relating to data protection and privacy as a consequence of the United Kingdom leaving the European Union, ensuring a level of security appropriate to:

  1. The harm that might result from such unauthorised or unlawful processing or accidental loss, destruction or damage as are mentioned in the seventh principle, and
  2. The nature of the data to be protected


It is the policy of Hinckley & Rugby to conduct its business in an open, fair, honest and transparent way and without the use of corrupt practices or acts of bribery to obtain an unfair advantage. The Society is committed to adherence to the highest legal and ethical standards, and this must be reflected in every aspect of the way in which the Society operates. In introducing an applicant to the Society and signing the Declaration you are agreeing, warranting and undertaking not to do, or permit anything to be done, which is an offence under the Bribery Act 2010. You must notify the Society immediately upon becoming reasonably suspicious that an activity related to this introduction has contravened or may contravene the Bribery Act 2010.