If you have an HSBC mortgage and the rate is due to expire or has already come to an end, you may want to switch your rate, find out how.
The rates below are available if you're looking to purchase a buy-to-let mortgage or to remortgage a buy-to-let property.
Purchasing a buy-to-let property
Remortgaging a buy-to-let property
Not a resident in the UK? If you're not yet a UK resident, find out if you can apply and take a look at our Buy-to-let rates for non-UK residents
It's worth considering what your loan-to-value (LTV) will be. Your LTV is the ratio between the amount of the loan you take out and the value of your property as a whole, as a percentage.
A low LTV ratio is good news because the rates available are likely to be lower than higher LTV mortgages. For example, a £100,000 property with an £80,000 mortgage = an 80% LTV.
Purchasing a buy-to-let property
Fixed-rate mortgages
A fixed-rate mortgage means that your payments will stay the same until the end date of the fixed-rate period, even if interest rates change.
| Mortgage | Initial interest rate | Followed by a Variable Rate, currently | Initial interest rate period | Overall cost for comparison (APRC) | Booking fee | Annual overpayment allowance | Cashback | Maximum loan amount (subject to LTV and Lending Policy) | |
|---|---|---|---|---|---|---|---|---|---|
| 2 Year Fixed Standard Buy To Let |
3.05% fixed |
5.10% |
2 Years fixed rate until 31.10.24 |
5.1% APRC |
£1999 |
10% |
£500 | £ 2,000,000 |
Get a decision in principle |
| 5 Year Fixed Fee Saver Buy To Let |
3.67% |
5.10% |
5 Years fixed rate until 31.10.27 |
4.6% APRC |
£0 |
10% |
£500 | £ 2,000,000 |
Get a decision in principle |
| 5 Year Fixed Standard Buy To Let |
3.25% fixed |
5.10% |
5 Years fixed rate until 31.10.27 |
4.7% APRC |
£1999 |
10% |
£500 | £ 2,000,000 |
Get a decision in principle |
| Mortgage |
2 Year Fixed Standard Buy To Let |
|---|---|
| Initial interest rate |
3.05% fixed |
| Followed by a Variable Rate, currently |
5.10% |
| Initial interest rate period |
2 Years fixed rate until 31.10.24 |
| Overall cost for comparison (APRC) |
5.1% APRC |
| Booking fee |
£1999 |
| Annual overpayment allowance |
10% |
| Cashback | £500 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Fee Saver Buy To Let |
| Initial interest rate |
3.67% |
| Followed by a Variable Rate, currently |
5.10% |
| Initial interest rate period |
5 Years fixed rate until 31.10.27 |
| Overall cost for comparison (APRC) |
4.6% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £500 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Standard Buy To Let |
| Initial interest rate |
3.25% fixed |
| Followed by a Variable Rate, currently |
5.10% |
| Initial interest rate period |
5 Years fixed rate until 31.10.27 |
| Overall cost for comparison (APRC) |
4.7% APRC |
| Booking fee |
£1999 |
| Annual overpayment allowance |
10% |
| Cashback | £500 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
| Mortgage | Initial interest rate | Followed by a Variable Rate, currently | Initial interest rate period | Overall cost for comparison (APRC) | Booking fee | Annual overpayment allowance | Cashback | Maximum loan amount (subject to LTV and Lending Policy) | |
|---|---|---|---|---|---|---|---|---|---|
| 2 Year Fixed Standard Buy To Let |
3.15% fixed |
5.10% |
2 Years fixed rate until 31.10.24 |
5.1% APRC |
£1999 |
10% |
£500 | £ 1,000,000 |
Get a decision in principle |
| 5 Year Fixed Fee Saver Buy To Let |
3.68% |
5.10% |
5 Years fixed rate until 31.10.27 |
4.6% APRC |
£0 |
10% |
£500 | £ 1,000,000 |
Get a decision in principle |
| 5 Year Fixed Standard Buy To Let |
3.27% fixed |
5.10% |
5 Years fixed rate until 31.10.27 |
4.7% APRC |
£1999 |
10% |
£500 | £ 1,000,000 |
Get a decision in principle |
| Mortgage |
2 Year Fixed Standard Buy To Let |
|---|---|
| Initial interest rate |
3.15% fixed |
| Followed by a Variable Rate, currently |
5.10% |
| Initial interest rate period |
2 Years fixed rate until 31.10.24 |
| Overall cost for comparison (APRC) |
5.1% APRC |
| Booking fee |
£1999 |
| Annual overpayment allowance |
10% |
| Cashback | £500 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Fee Saver Buy To Let |
| Initial interest rate |
3.68% |
| Followed by a Variable Rate, currently |
5.10% |
| Initial interest rate period |
5 Years fixed rate until 31.10.27 |
| Overall cost for comparison (APRC) |
4.6% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £500 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Standard Buy To Let |
| Initial interest rate |
3.27% fixed |
| Followed by a Variable Rate, currently |
5.10% |
| Initial interest rate period |
5 Years fixed rate until 31.10.27 |
| Overall cost for comparison (APRC) |
4.7% APRC |
| Booking fee |
£1999 |
| Annual overpayment allowance |
10% |
| Cashback | £500 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
|
Get a decision in principle |
| Mortgage | Initial interest rate | Followed by a Variable Rate, currently | Initial interest rate period | Overall cost for comparison (APRC) | Booking fee | Annual overpayment allowance | Cashback | Maximum loan amount (subject to LTV and Lending Policy) | |
|---|---|---|---|---|---|---|---|---|---|
| 2 Year Fixed Standard Buy To Let |
3.15% fixed |
5.10% |
2 Years fixed rate until 31.10.24 |
5.1% APRC |
£1999 |
10% |
£500 | £ 1,000,000 |
Get a decision in principle |
| 5 Year Fixed Fee Saver Buy To Let |
3.68% |
5.10% |
5 Years fixed rate until 31.10.27 |
4.6% APRC |
£0 |
10% |
£500 | £ 1,000,000 |
Get a decision in principle |
| 5 Year Fixed Standard Buy To Let |
3.27% fixed |
5.10% |
5 Years fixed rate until 31.10.27 |
4.7% APRC |
£1999 |
10% |
£500 | £ 1,000,000 |
Get a decision in principle |
| Mortgage |
2 Year Fixed Standard Buy To Let |
|---|---|
| Initial interest rate |
3.15% fixed |
| Followed by a Variable Rate, currently |
5.10% |
| Initial interest rate period |
2 Years fixed rate until 31.10.24 |
| Overall cost for comparison (APRC) |
5.1% APRC |
| Booking fee |
£1999 |
| Annual overpayment allowance |
10% |
| Cashback | £500 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Fee Saver Buy To Let |
| Initial interest rate |
3.68% |
| Followed by a Variable Rate, currently |
5.10% |
| Initial interest rate period |
5 Years fixed rate until 31.10.27 |
| Overall cost for comparison (APRC) |
4.6% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £500 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Standard Buy To Let |
| Initial interest rate |
3.27% fixed |
| Followed by a Variable Rate, currently |
5.10% |
| Initial interest rate period |
5 Years fixed rate until 31.10.27 |
| Overall cost for comparison (APRC) |
4.7% APRC |
| Booking fee |
£1999 |
| Annual overpayment allowance |
10% |
| Cashback | £500 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
|
Get a decision in principle |
60% LTV
| Mortgage | Initial interest rate | Followed by a Variable Rate, currently | Initial interest rate period | Overall cost for comparison (APRC) | Booking fee | Annual overpayment allowance | Cashback | Maximum loan amount (subject to LTV and Lending Policy) | |
|---|---|---|---|---|---|---|---|---|---|
| 2 Year Fixed Standard Buy To Let |
3.05% fixed |
5.10% |
2 Years fixed rate until 31.10.24 |
5.1% APRC |
£1999 |
10% |
£500 | £ 2,000,000 |
Get a decision in principle |
| 5 Year Fixed Fee Saver Buy To Let |
3.67% |
5.10% |
5 Years fixed rate until 31.10.27 |
4.6% APRC |
£0 |
10% |
£500 | £ 2,000,000 |
Get a decision in principle |
| 5 Year Fixed Standard Buy To Let |
3.25% fixed |
5.10% |
5 Years fixed rate until 31.10.27 |
4.7% APRC |
£1999 |
10% |
£500 | £ 2,000,000 |
Get a decision in principle |
| Mortgage |
2 Year Fixed Standard Buy To Let |
|---|---|
| Initial interest rate |
3.05% fixed |
| Followed by a Variable Rate, currently |
5.10% |
| Initial interest rate period |
2 Years fixed rate until 31.10.24 |
| Overall cost for comparison (APRC) |
5.1% APRC |
| Booking fee |
£1999 |
| Annual overpayment allowance |
10% |
| Cashback | £500 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Fee Saver Buy To Let |
| Initial interest rate |
3.67% |
| Followed by a Variable Rate, currently |
5.10% |
| Initial interest rate period |
5 Years fixed rate until 31.10.27 |
| Overall cost for comparison (APRC) |
4.6% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £500 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Standard Buy To Let |
| Initial interest rate |
3.25% fixed |
| Followed by a Variable Rate, currently |
5.10% |
| Initial interest rate period |
5 Years fixed rate until 31.10.27 |
| Overall cost for comparison (APRC) |
4.7% APRC |
| Booking fee |
£1999 |
| Annual overpayment allowance |
10% |
| Cashback | £500 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
65% LTV
| Mortgage | Initial interest rate | Followed by a Variable Rate, currently | Initial interest rate period | Overall cost for comparison (APRC) | Booking fee | Annual overpayment allowance | Cashback | Maximum loan amount (subject to LTV and Lending Policy) | |
|---|---|---|---|---|---|---|---|---|---|
| 2 Year Fixed Standard Buy To Let |
3.15% fixed |
5.10% |
2 Years fixed rate until 31.10.24 |
5.1% APRC |
£1999 |
10% |
£500 | £ 1,000,000 |
Get a decision in principle |
| 5 Year Fixed Fee Saver Buy To Let |
3.68% |
5.10% |
5 Years fixed rate until 31.10.27 |
4.6% APRC |
£0 |
10% |
£500 | £ 1,000,000 |
Get a decision in principle |
| 5 Year Fixed Standard Buy To Let |
3.27% fixed |
5.10% |
5 Years fixed rate until 31.10.27 |
4.7% APRC |
£1999 |
10% |
£500 | £ 1,000,000 |
Get a decision in principle |
| Mortgage |
2 Year Fixed Standard Buy To Let |
|---|---|
| Initial interest rate |
3.15% fixed |
| Followed by a Variable Rate, currently |
5.10% |
| Initial interest rate period |
2 Years fixed rate until 31.10.24 |
| Overall cost for comparison (APRC) |
5.1% APRC |
| Booking fee |
£1999 |
| Annual overpayment allowance |
10% |
| Cashback | £500 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Fee Saver Buy To Let |
| Initial interest rate |
3.68% |
| Followed by a Variable Rate, currently |
5.10% |
| Initial interest rate period |
5 Years fixed rate until 31.10.27 |
| Overall cost for comparison (APRC) |
4.6% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £500 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Standard Buy To Let |
| Initial interest rate |
3.27% fixed |
| Followed by a Variable Rate, currently |
5.10% |
| Initial interest rate period |
5 Years fixed rate until 31.10.27 |
| Overall cost for comparison (APRC) |
4.7% APRC |
| Booking fee |
£1999 |
| Annual overpayment allowance |
10% |
| Cashback | £500 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
|
Get a decision in principle |
75% LTV
| Mortgage | Initial interest rate | Followed by a Variable Rate, currently | Initial interest rate period | Overall cost for comparison (APRC) | Booking fee | Annual overpayment allowance | Cashback | Maximum loan amount (subject to LTV and Lending Policy) | |
|---|---|---|---|---|---|---|---|---|---|
| 2 Year Fixed Standard Buy To Let |
3.15% fixed |
5.10% |
2 Years fixed rate until 31.10.24 |
5.1% APRC |
£1999 |
10% |
£500 | £ 1,000,000 |
Get a decision in principle |
| 5 Year Fixed Fee Saver Buy To Let |
3.68% |
5.10% |
5 Years fixed rate until 31.10.27 |
4.6% APRC |
£0 |
10% |
£500 | £ 1,000,000 |
Get a decision in principle |
| 5 Year Fixed Standard Buy To Let |
3.27% fixed |
5.10% |
5 Years fixed rate until 31.10.27 |
4.7% APRC |
£1999 |
10% |
£500 | £ 1,000,000 |
Get a decision in principle |
| Mortgage |
2 Year Fixed Standard Buy To Let |
|---|---|
| Initial interest rate |
3.15% fixed |
| Followed by a Variable Rate, currently |
5.10% |
| Initial interest rate period |
2 Years fixed rate until 31.10.24 |
| Overall cost for comparison (APRC) |
5.1% APRC |
| Booking fee |
£1999 |
| Annual overpayment allowance |
10% |
| Cashback | £500 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Fee Saver Buy To Let |
| Initial interest rate |
3.68% |
| Followed by a Variable Rate, currently |
5.10% |
| Initial interest rate period |
5 Years fixed rate until 31.10.27 |
| Overall cost for comparison (APRC) |
4.6% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £500 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Standard Buy To Let |
| Initial interest rate |
3.27% fixed |
| Followed by a Variable Rate, currently |
5.10% |
| Initial interest rate period |
5 Years fixed rate until 31.10.27 |
| Overall cost for comparison (APRC) |
4.7% APRC |
| Booking fee |
£1999 |
| Annual overpayment allowance |
10% |
| Cashback | £500 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
|
Get a decision in principle |
Tracker mortgages
A tracker mortgage is a variable rate mortgage linked to the Bank of England base rate that rises or falls with it. This will affect your monthly repayments. Our tracker mortgages are available over a 2-year period.
| Mortgage | Initial interest rate |
Followed by a variable rate, currently |
Initial interest rate period |
Overall cost for comparison (APRC) |
Booking fee |
Cashback | Maximum loan amount (subject to LTV and Lending Policy) |
|
|---|---|---|---|---|---|---|---|---|
| 2 Year Term Tracker Standard Buy To Let |
3.49% variable |
5.10% |
2 Years |
5.2% APRC |
£1999 |
£0 | £ 2,000,000 |
Get a decision in principle |
| Mortgage |
2 Year Term Tracker Standard Buy To Let |
|---|---|
Initial interest rate |
3.49% variable |
Followed by a variable rate, currently |
5.10% |
Initial interest rate period |
2 Years |
Overall cost for comparison (APRC) |
5.2% APRC |
Booking fee |
£1999 |
| Cashback | £0 |
Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
| Mortgage | Initial interest rate |
Followed by a variable rate, currently |
Initial interest rate period |
Overall cost for comparison (APRC) |
Booking fee |
Cashback | Maximum loan amount (subject to LTV and Lending Policy) |
|
|---|---|---|---|---|---|---|---|---|
| 2 Year Term Tracker Standard Buy To Let |
3.49% variable |
5.10% |
2 Years |
5.2% APRC |
£1999 |
£0 | £ 1,000,000 |
Get a decision in principle |
| Mortgage |
2 Year Term Tracker Standard Buy To Let |
|---|---|
Initial interest rate |
3.49% variable |
Followed by a variable rate, currently |
5.10% |
Initial interest rate period |
2 Years |
Overall cost for comparison (APRC) |
5.2% APRC |
Booking fee |
£1999 |
| Cashback | £0 |
Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
|
Get a decision in principle |
60% LTV
| Mortgage | Initial interest rate |
Followed by a variable rate, currently |
Initial interest rate period |
Overall cost for comparison (APRC) |
Booking fee |
Cashback | Maximum loan amount (subject to LTV and Lending Policy) |
|
|---|---|---|---|---|---|---|---|---|
| 2 Year Term Tracker Standard Buy To Let |
3.49% variable |
5.10% |
2 Years |
5.2% APRC |
£1999 |
£0 | £ 2,000,000 |
Get a decision in principle |
| Mortgage |
2 Year Term Tracker Standard Buy To Let |
|---|---|
Initial interest rate |
3.49% variable |
Followed by a variable rate, currently |
5.10% |
Initial interest rate period |
2 Years |
Overall cost for comparison (APRC) |
5.2% APRC |
Booking fee |
£1999 |
| Cashback | £0 |
Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
65% LTV
| Mortgage | Initial interest rate |
Followed by a variable rate, currently |
Initial interest rate period |
Overall cost for comparison (APRC) |
Booking fee |
Cashback | Maximum loan amount (subject to LTV and Lending Policy) |
|
|---|---|---|---|---|---|---|---|---|
| 2 Year Term Tracker Standard Buy To Let |
3.49% variable |
5.10% |
2 Years |
5.2% APRC |
£1999 |
£0 | £ 1,000,000 |
Get a decision in principle |
| Mortgage |
2 Year Term Tracker Standard Buy To Let |
|---|---|
Initial interest rate |
3.49% variable |
Followed by a variable rate, currently |
5.10% |
Initial interest rate period |
2 Years |
Overall cost for comparison (APRC) |
5.2% APRC |
Booking fee |
£1999 |
| Cashback | £0 |
Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
|
Get a decision in principle |
Remortgaging a Buy to Let property from another lender
Fixed-rate mortgages
A fixed-rate mortgage means that your payments will stay the same until the end date of the fixed-rate period, even if interest rates change.
| Mortgage | Initial interest rate | Followed by a Variable Rate, currently | Initial interest rate period | Overall cost for comparison (APRC) | Booking fee | Annual overpayment allowance | Cashback | Maximum loan amount (subject to LTV and Lending Policy) | |
|---|---|---|---|---|---|---|---|---|---|
| 2 Year Fixed Standard Buy To Let |
2.97% fixed |
5.10% |
2 Years fixed rate until 31.10.24 |
5.1% APRC |
£1999 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| 5 Year Fixed Fee Saver Buy To Let |
3.58% |
5.10% |
5 Years fixed rate until 31.10.27 |
4.6% APRC |
£0 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| 5 Year Fixed Standard Buy To Let |
3.11% fixed |
5.10% |
5 Years fixed rate until 31.10.27 |
4.6% APRC |
£1999 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| Mortgage |
2 Year Fixed Standard Buy To Let |
|---|---|
| Initial interest rate |
2.97% fixed |
| Followed by a Variable Rate, currently |
5.10% |
| Initial interest rate period |
2 Years fixed rate until 31.10.24 |
| Overall cost for comparison (APRC) |
5.1% APRC |
| Booking fee |
£1999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Fee Saver Buy To Let |
| Initial interest rate |
3.58% |
| Followed by a Variable Rate, currently |
5.10% |
| Initial interest rate period |
5 Years fixed rate until 31.10.27 |
| Overall cost for comparison (APRC) |
4.6% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Standard Buy To Let |
| Initial interest rate |
3.11% fixed |
| Followed by a Variable Rate, currently |
5.10% |
| Initial interest rate period |
5 Years fixed rate until 31.10.27 |
| Overall cost for comparison (APRC) |
4.6% APRC |
| Booking fee |
£1999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
| Mortgage | Initial interest rate | Followed by a Variable Rate, currently | Initial interest rate period | Overall cost for comparison (APRC) | Booking fee | Annual overpayment allowance | Cashback | Maximum loan amount (subject to LTV and Lending Policy) | |
|---|---|---|---|---|---|---|---|---|---|
| 2 Year Fixed Standard Buy To Let |
3.09% fixed |
5.10% |
2 Years fixed rate until 31.10.24 |
5.1% APRC |
£1999 |
10% |
£0 | £ 1,000,000 |
Get a decision in principle |
| 5 Year Fixed Fee Saver Buy To Let |
3.63% |
5.10% |
5 Years fixed rate until 31.10.27 |
4.6% APRC |
£0 |
10% |
£0 | £ 1,000,000 |
Get a decision in principle |
| 5 Year Fixed Standard Buy To Let |
3.26% fixed |
5.10% |
5 Years fixed rate until 31.10.27 |
4.7% APRC |
£1999 |
10% |
£0 | £ 1,000,000 |
Get a decision in principle |
| Mortgage |
2 Year Fixed Standard Buy To Let |
|---|---|
| Initial interest rate |
3.09% fixed |
| Followed by a Variable Rate, currently |
5.10% |
| Initial interest rate period |
2 Years fixed rate until 31.10.24 |
| Overall cost for comparison (APRC) |
5.1% APRC |
| Booking fee |
£1999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Fee Saver Buy To Let |
| Initial interest rate |
3.63% |
| Followed by a Variable Rate, currently |
5.10% |
| Initial interest rate period |
5 Years fixed rate until 31.10.27 |
| Overall cost for comparison (APRC) |
4.6% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Standard Buy To Let |
| Initial interest rate |
3.26% fixed |
| Followed by a Variable Rate, currently |
5.10% |
| Initial interest rate period |
5 Years fixed rate until 31.10.27 |
| Overall cost for comparison (APRC) |
4.7% APRC |
| Booking fee |
£1999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
|
Get a decision in principle |
| Mortgage | Initial interest rate | Followed by a Variable Rate, currently | Initial interest rate period | Overall cost for comparison (APRC) | Booking fee | Annual overpayment allowance | Cashback | Maximum loan amount (subject to LTV and Lending Policy) | |
|---|---|---|---|---|---|---|---|---|---|
| 2 Year Fixed Standard Buy To Let |
3.09% fixed |
5.10% |
2 Years fixed rate until 31.10.24 |
5.1% APRC |
£1999 |
10% |
£0 | £ 1,000,000 |
Get a decision in principle |
| 5 Year Fixed Fee Saver Buy To Let |
3.63% |
5.10% |
5 Years fixed rate until 31.10.27 |
4.6% APRC |
£0 |
10% |
£0 | £ 1,000,000 |
Get a decision in principle |
| 5 Year Fixed Standard Buy To Let |
3.26% fixed |
5.10% |
5 Years fixed rate until 31.10.27 |
4.7% APRC |
£1999 |
10% |
£0 | £ 1,000,000 |
Get a decision in principle |
| Mortgage |
2 Year Fixed Standard Buy To Let |
|---|---|
| Initial interest rate |
3.09% fixed |
| Followed by a Variable Rate, currently |
5.10% |
| Initial interest rate period |
2 Years fixed rate until 31.10.24 |
| Overall cost for comparison (APRC) |
5.1% APRC |
| Booking fee |
£1999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Fee Saver Buy To Let |
| Initial interest rate |
3.63% |
| Followed by a Variable Rate, currently |
5.10% |
| Initial interest rate period |
5 Years fixed rate until 31.10.27 |
| Overall cost for comparison (APRC) |
4.6% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Standard Buy To Let |
| Initial interest rate |
3.26% fixed |
| Followed by a Variable Rate, currently |
5.10% |
| Initial interest rate period |
5 Years fixed rate until 31.10.27 |
| Overall cost for comparison (APRC) |
4.7% APRC |
| Booking fee |
£1999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
|
Get a decision in principle |
60% LTV
| Mortgage | Initial interest rate | Followed by a Variable Rate, currently | Initial interest rate period | Overall cost for comparison (APRC) | Booking fee | Annual overpayment allowance | Cashback | Maximum loan amount (subject to LTV and Lending Policy) | |
|---|---|---|---|---|---|---|---|---|---|
| 2 Year Fixed Standard Buy To Let |
2.97% fixed |
5.10% |
2 Years fixed rate until 31.10.24 |
5.1% APRC |
£1999 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| 5 Year Fixed Fee Saver Buy To Let |
3.58% |
5.10% |
5 Years fixed rate until 31.10.27 |
4.6% APRC |
£0 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| 5 Year Fixed Standard Buy To Let |
3.11% fixed |
5.10% |
5 Years fixed rate until 31.10.27 |
4.6% APRC |
£1999 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| Mortgage |
2 Year Fixed Standard Buy To Let |
|---|---|
| Initial interest rate |
2.97% fixed |
| Followed by a Variable Rate, currently |
5.10% |
| Initial interest rate period |
2 Years fixed rate until 31.10.24 |
| Overall cost for comparison (APRC) |
5.1% APRC |
| Booking fee |
£1999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Fee Saver Buy To Let |
| Initial interest rate |
3.58% |
| Followed by a Variable Rate, currently |
5.10% |
| Initial interest rate period |
5 Years fixed rate until 31.10.27 |
| Overall cost for comparison (APRC) |
4.6% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Standard Buy To Let |
| Initial interest rate |
3.11% fixed |
| Followed by a Variable Rate, currently |
5.10% |
| Initial interest rate period |
5 Years fixed rate until 31.10.27 |
| Overall cost for comparison (APRC) |
4.6% APRC |
| Booking fee |
£1999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
65% LTV
| Mortgage | Initial interest rate | Followed by a Variable Rate, currently | Initial interest rate period | Overall cost for comparison (APRC) | Booking fee | Annual overpayment allowance | Cashback | Maximum loan amount (subject to LTV and Lending Policy) | |
|---|---|---|---|---|---|---|---|---|---|
| 2 Year Fixed Standard Buy To Let |
3.09% fixed |
5.10% |
2 Years fixed rate until 31.10.24 |
5.1% APRC |
£1999 |
10% |
£0 | £ 1,000,000 |
Get a decision in principle |
| 5 Year Fixed Fee Saver Buy To Let |
3.63% |
5.10% |
5 Years fixed rate until 31.10.27 |
4.6% APRC |
£0 |
10% |
£0 | £ 1,000,000 |
Get a decision in principle |
| 5 Year Fixed Standard Buy To Let |
3.26% fixed |
5.10% |
5 Years fixed rate until 31.10.27 |
4.7% APRC |
£1999 |
10% |
£0 | £ 1,000,000 |
Get a decision in principle |
| Mortgage |
2 Year Fixed Standard Buy To Let |
|---|---|
| Initial interest rate |
3.09% fixed |
| Followed by a Variable Rate, currently |
5.10% |
| Initial interest rate period |
2 Years fixed rate until 31.10.24 |
| Overall cost for comparison (APRC) |
5.1% APRC |
| Booking fee |
£1999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Fee Saver Buy To Let |
| Initial interest rate |
3.63% |
| Followed by a Variable Rate, currently |
5.10% |
| Initial interest rate period |
5 Years fixed rate until 31.10.27 |
| Overall cost for comparison (APRC) |
4.6% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Standard Buy To Let |
| Initial interest rate |
3.26% fixed |
| Followed by a Variable Rate, currently |
5.10% |
| Initial interest rate period |
5 Years fixed rate until 31.10.27 |
| Overall cost for comparison (APRC) |
4.7% APRC |
| Booking fee |
£1999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
|
Get a decision in principle |
75% LTV
| Mortgage | Initial interest rate | Followed by a Variable Rate, currently | Initial interest rate period | Overall cost for comparison (APRC) | Booking fee | Annual overpayment allowance | Cashback | Maximum loan amount (subject to LTV and Lending Policy) | |
|---|---|---|---|---|---|---|---|---|---|
| 2 Year Fixed Standard Buy To Let |
3.09% fixed |
5.10% |
2 Years fixed rate until 31.10.24 |
5.1% APRC |
£1999 |
10% |
£0 | £ 1,000,000 |
Get a decision in principle |
| 5 Year Fixed Fee Saver Buy To Let |
3.63% |
5.10% |
5 Years fixed rate until 31.10.27 |
4.6% APRC |
£0 |
10% |
£0 | £ 1,000,000 |
Get a decision in principle |
| 5 Year Fixed Standard Buy To Let |
3.26% fixed |
5.10% |
5 Years fixed rate until 31.10.27 |
4.7% APRC |
£1999 |
10% |
£0 | £ 1,000,000 |
Get a decision in principle |
| Mortgage |
2 Year Fixed Standard Buy To Let |
|---|---|
| Initial interest rate |
3.09% fixed |
| Followed by a Variable Rate, currently |
5.10% |
| Initial interest rate period |
2 Years fixed rate until 31.10.24 |
| Overall cost for comparison (APRC) |
5.1% APRC |
| Booking fee |
£1999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Fee Saver Buy To Let |
| Initial interest rate |
3.63% |
| Followed by a Variable Rate, currently |
5.10% |
| Initial interest rate period |
5 Years fixed rate until 31.10.27 |
| Overall cost for comparison (APRC) |
4.6% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Standard Buy To Let |
| Initial interest rate |
3.26% fixed |
| Followed by a Variable Rate, currently |
5.10% |
| Initial interest rate period |
5 Years fixed rate until 31.10.27 |
| Overall cost for comparison (APRC) |
4.7% APRC |
| Booking fee |
£1999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
|
Get a decision in principle |
Tracker mortgages
A tracker mortgage is a variable rate mortgage linked to the Bank of England base rate that rises or falls with it. This will affect your monthly repayments. Our tracker mortgages are available over a 2-year period.
| Mortgage | Initial interest rate |
Followed by a variable rate, currently |
Initial interest rate period |
Overall cost for comparison (APRC) |
Booking fee |
Cashback | Maximum loan amount (subject to LTV and Lending Policy) |
|
|---|---|---|---|---|---|---|---|---|
| 2 Year Term Tracker Standard Buy To Let |
3.49% variable |
5.10% |
2 Years |
5.2% APRC |
£1999 |
£0 | £ 2,000,000 |
Get a decision in principle |
| Mortgage |
2 Year Term Tracker Standard Buy To Let |
|---|---|
Initial interest rate |
3.49% variable |
Followed by a variable rate, currently |
5.10% |
Initial interest rate period |
2 Years |
Overall cost for comparison (APRC) |
5.2% APRC |
Booking fee |
£1999 |
| Cashback | £0 |
Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
| Mortgage | Initial interest rate |
Followed by a variable rate, currently |
Initial interest rate period |
Overall cost for comparison (APRC) |
Booking fee |
Cashback | Maximum loan amount (subject to LTV and Lending Policy) |
|
|---|---|---|---|---|---|---|---|---|
| 2 Year Term Tracker Standard Buy To Let |
3.49% variable |
5.10% |
2 Years |
5.2% APRC |
£1999 |
£0 | £ 1,000,000 |
Get a decision in principle |
| Mortgage |
2 Year Term Tracker Standard Buy To Let |
|---|---|
Initial interest rate |
3.49% variable |
Followed by a variable rate, currently |
5.10% |
Initial interest rate period |
2 Years |
Overall cost for comparison (APRC) |
5.2% APRC |
Booking fee |
£1999 |
| Cashback | £0 |
Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
|
Get a decision in principle |
60% LTV
| Mortgage | Initial interest rate |
Followed by a variable rate, currently |
Initial interest rate period |
Overall cost for comparison (APRC) |
Booking fee |
Cashback | Maximum loan amount (subject to LTV and Lending Policy) |
|
|---|---|---|---|---|---|---|---|---|
| 2 Year Term Tracker Standard Buy To Let |
3.49% variable |
5.10% |
2 Years |
5.2% APRC |
£1999 |
£0 | £ 2,000,000 |
Get a decision in principle |
| Mortgage |
2 Year Term Tracker Standard Buy To Let |
|---|---|
Initial interest rate |
3.49% variable |
Followed by a variable rate, currently |
5.10% |
Initial interest rate period |
2 Years |
Overall cost for comparison (APRC) |
5.2% APRC |
Booking fee |
£1999 |
| Cashback | £0 |
Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
65% LTV
| Mortgage | Initial interest rate |
Followed by a variable rate, currently |
Initial interest rate period |
Overall cost for comparison (APRC) |
Booking fee |
Cashback | Maximum loan amount (subject to LTV and Lending Policy) |
|
|---|---|---|---|---|---|---|---|---|
| 2 Year Term Tracker Standard Buy To Let |
3.49% variable |
5.10% |
2 Years |
5.2% APRC |
£1999 |
£0 | £ 1,000,000 |
Get a decision in principle |
| Mortgage |
2 Year Term Tracker Standard Buy To Let |
|---|---|
Initial interest rate |
3.49% variable |
Followed by a variable rate, currently |
5.10% |
Initial interest rate period |
2 Years |
Overall cost for comparison (APRC) |
5.2% APRC |
Booking fee |
£1999 |
| Cashback | £0 |
Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
|
Get a decision in principle |
Representative example
A repayment mortgage of £184,000 payable over 28 years and 6 months initially on a fixed rate for 2 years at 4.09% and then on our current variable rate of 4.54% (variable) for the remaining 26 years and 6 months would require 24 monthly payments of £912.41 and 317 monthly payments of £957.81, plus one final payment of £960.45.
The total amount payable would be £326,779.06 made up of the loan amount plus interest (£142,484.06) and a solicitors fee of £295.
In this example, the overall cost for comparison is 4.6% APRC representative.
The above representative example is based on the highest APRC applicable to customers purchasing a property. Please note your actual costs and monthly repayments will vary.
Things to know
Key mortgage terms explained
We know that when it comes to choosing a mortgage, there's a lot of jargon to get your head around. That's why we've listed some common mortgage terms here.
Loan-to-value (LTV)
This represents the percentage of the property value you want to borrow. For example, a £100,000 property with an £80,000 mortgage would be an 80% LTV. The maximum LTV we'll lend you depends on your individual situation, the property, the loan you choose and the amount you borrow.
Initial interest rate
This is the initial percentage rate at which we calculate the interest on the mortgage.
Variable rate
When your initial mortgage rate ends, the interest on your mortgage will be calculated using the HSBC Standard Variable Rate or HSBC Buy to Let Variable rate. This will vary over the term of the loan and is set internally. HSBC Standard Variable Rate and HSBC Buy to Let Variable Rate do not track the Bank of England base rate.
Initial interest rate period
This is the period during which the fixed or tracker rate applies. For fixed and tracker rate mortgages, when the specified period expires, the rate will revert to the HSBC Standard Variable Rate/Buy-to-let Variable Rate.
Annual Percentage Rate of Charge (APRC)
The APRC represents the overall cost for comparison and can be used to compare mortgages.
Booking fee
A fee charged on some mortgages to secure a particular mortgage deal.
Annual overpayment allowance (AOA)
You'll have an annual overpayment allowance for fixed-rate mortgages equivalent to 10% of the outstanding balance of your mortgage. This is calculated annually on the date your fixed-rate period started. You can make additional payments during the fixed-rate period without incurring an early repayment charge (ERC). Anything over the 10% will incur an ERC, which is a charge you may have to pay if you repay the whole or part of your mortgage early. This includes if you move to a different HSBC mortgage rate, or move to a different lender during your fixed period. There's no early repayment charge for tracker mortgages.
Early repayment charges
Fixed-rate mortgages
You'll have an annual overpayment allowance (AOA) equivalent to 10% of the outstanding balance of your mortgage. This is calculated annually on the date your fixed-rate period started.
You can make additional payments during the fixed-rate period without incurring an early repayment charge (ERC).
Anything over the 10% will incur an ERC, which is a charge you may have to pay if you repay the whole or part of your mortgage early. This includes if you move to a different HSBC mortgage rate, or move to a different lender during your fixed period.
The ERC is calculated as 1% of the amount repaid early, above any annual overpayment allowance, for each remaining year of the period during which the ERC applies, reducing on a daily basis. However, (after taking your allowance into account) a maximum of 5% of your overpayment will be charged.
Tracker mortgages
No early repayment charge
There's no early repayment charge, so you can make unlimited overpayments. And you could pay your mortgage off early.
The end of the fixed period
Fixed-rate mortgages
When your fixed period ends the rate will move to the HSBC Standard Variable Rate, unless you switch your HSBC rate.
Tracker mortgages
The tracker mortgage will track the Bank of England base rate for a 2-year fixed period, then it will move to the HSBC Standard Variable Rate, unless you switch your HSBC rate.
Standard variable rate
Our current standard variable rate for residential mortgages (which is referred to either as the HSBC Variable Rate or the HSBC Standard Variable Rate) is 4.54% and for Buy to Let mortgages (which is referred to as either the HSBC Buy to Let Variable Rate or as the HSBC Standard Variable Buy to Let Rate) is 5.1%, effective from 1 August 2022. These rates only apply when a fixed or tracker rate no longer applies.
Your mortgage illustration
The mortgage rate information on this page doesn't contain all of the details you need, so remember to read your individual mortgage illustration before you choose a mortgage.
To get your illustration, use our Find and Compare tool to generate an illustration for any of the mortgages shown.
Your mortgage illustration sets out the details of all associated rates and fees for a mortgage. This is in the same format for all lenders to enable you to easily compare mortgages.
The impact of coronavirus on mortgage rates
If you have a fixed-rate mortgage, you’ll continue to pay the same amount each month. When your fixed-rate period ends, we recommend you look around for the best deal.
If you have a variable or tracker mortgage, the amount you pay may change just as it could today. Your mortgage rate will be based on the Bank of England base rate, plus a number of other factors. We’ll let you know if your interest rate changes. If you’re on a variable or tracker rate, you have the option of switching to a fixed-rate. You can do this with no fees or upfront costs.
You can find details about our different mortgages online or give us a call on 0800 169 6333. Our lines are open Monday to Saturday 08:00 to 20:00, Sunday 09:00 to 18:00. Opening hours may vary.
Ready to apply?
First, you'll need a Decision in Principle (sometimes called an Agreement in Principle), then you can apply for your mortgage.
Think carefully before securing other debts against your property.
Your property may be repossessed if you do not keep up repayments on your mortgage.
If you've started your application already, you can pick up where you left off or update it online at any time.
Need some guidance?
Give our dedicated mortgage specialists a call on:
Our lines are open Monday to Saturday 08:00 to 20:00, Sunday 09:00 to 18:00. We may monitor and record calls. Opening hours may vary.