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HSBC United Kingdom

Borrow up to 90% of the value of your new home. Our 2 year fixed–rate mortgage special at 5.99%. Fixed for 2 years 5.99%. Reverting to the HSBC variable rate, currently 3.94%. The overall cost for comparison is 4.5%. Available on loans up to £400,000 and up to 90% of the property value when purchasing a property. Any early repayment charge applies during the fixed–rate period. Non–refundable booking fee of £599.

Product Feature Checklist

FeatureFixed Rate
Interest TypeFixed
Is interest calculated daily? Yes
Can I make unlimited lump sum payments without incurring an early repayment chargeNo
Can I make unlimited overpayments without incurring an early repayment chargeNo
Is there an Early Repayment Charge? Yes
Is there an extended tie-in period? No
Is there any exit fee? No
Can I 'Port' my loan if I move home? Yes

*Our Fixed Rate Mortgage Specials range from 60% to a maximum LTV of 90%.

Fixed Rate

A fixed rate mortgage provides the security of fixed mortgage repayments until an agreed date, no matter what happens to interest rates. And remember, we offer some of the best mortgage overall rates in the UK.

Loan to valuation (LTV) - The maximum LTV we will lend will depend on your individual situation, the property, the loan you choose and the amount you borrow.

Your home may be repossessed if you do not keep up repayments on your mortgage.

  • Call us on 0800 169 6333†, 8am–10pm, 7 days a week

  • Textphone 1800 10800 028 0126

Ways to talk to us

  • Use our Get a mortgage quote to check what you can borrow, what your repayments will be, and to get an agreement in principle online.



An Early Repayment Charge applies if you increase your standard monthly payment by more than 20% or repay, by any other method, the whole or any part of the mortgage, over and above your standard monthly payment during a fixed rate period.


Mortgage Special 7 year Fixed Rate

Max Loan Balance £500,000 & Max LTV 75%

7 year Fixed Rate Mortgage Booking Fee Rate Fixed Until Then our HSBC variable rate for the rest of the term Overall cost for comparison
7 Year Fixed £999 5.29% 30.09.16 Currently 3.94% 4.9% APR

Home Buyer Mortgage Special 2 Year Fixed Rate *

Max Loan Balance £400,000 & Max LTV 90%

2 Year Fixed Rate Mortgage Booking Fee Rate Fixed Until Then our HSBC variable rate for the rest of the term Overall cost for comparison
2 Year Fixed £599 5.99% 30.09.11 Currently 3.94% 4.5% APR

Home Buyer Mortgage Special 5 Year Fixed Rate *

Max Loan Balance £400,000 & Max LTV 90%

5 Year Fixed Rate Mortgage Booking Fee Rate Fixed until Then our HSBC variable rate for the rest of the term Overall cost for comparison
5 Year Fixed £599 6.29% 30.09.14 Currently 3.94% 5.1% APR

*This offer is only available for property purchases and not re-mortgages.


Standard Fee Free Pricing Package

Max LTV 75%

Standard Offer Booking Fee Rate Fixed Until Then our HSBC variable rate for the rest of the term. Overall cost for Comparison
2 Year Fixed Nil 4.09% 30.09.11 Currently 3.94% 4.0% APR
3 Year Fixed Nil 4.74% 30.09.12 Currently 3.94% 4.2% APR
5 Year Fixed Nil 5.39% 30.09.14 Currently 3.94% 4.6% APR

Fees and Charges


Max LTV 75%

HSBC Plus Customers Booking Fee Rate Fixed Until Then our HSBC variable rate for the rest of the term. Overall cost for Comparison
2 Year Fixed Nil 3.94% 30.09.11 Currently 3.94% 4.0% APR
3 Year Fixed Nil 4.59% 30.09.12 Currently 3.94% 4.2% APR
5 Year Fixed Nil 5.24% 30.09.14 Currently 3.94% 4.6% APR

Fees and Charges


Max LTV 75%

HSBC Premier Customers Booking Fee Rate Fixed Until Then our HSBC variable rate for the rest of the term. Overall cost for Comparison
2 Year Fixed Nil 3.94% 30.09.11 Currently 3.94% 4.0% APR
3 Year Fixed Nil 4.59% 30.09.12 Currently 3.94% 4.2% APR
5 Year Fixed Nil 5.24% 30.09.14 Currently 3.94% 4.6% APR

Fees and Charges



†Lines are open 8am to 10pm everyday (except Christmas Day, Boxing Day and New Year's Day).

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