Rate switching with HSBC
If you've got an HSBC mortgage or a Buy-to-Let mortgage and you're interested in switching, we've got a range of rates to choose from.
Switching to another rate could help you save more for what you really love.
Choose your rate 90 days in advance
You can choose your mortgage rate up to 90 days before your current rate comes to an end, without paying an early repayment charge.
No need for a credit check
As you already have a mortgage with us, we don't need to check your credit rating.
We carry out an automatic valuation for your property so you'll have one less thing to think about.
Think carefully before securing other debts against your home.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Video guides to help you switch
Speak to us
If you'd like to speak to one of our mortgage advisors, give us a call on 0800 731 3134 to book an appointment.
Lines open Monday to Saturday 08:00 to 20:00, Sunday 09:00 to 18:00. Calls may be monitored and recorded. Opening hours within the mortgage departments may vary.
What happens if you choose not to switch
If you don't switch rates when your current HSBC fixed-rate or 2-year term tracker mortgage comes to an end, you'll be automatically moved onto the HSBC variable rate, or the HSBC Buy-to-Let variable rate if you have a Buy-to-Let mortgage.
This means that if you don’t switch, you may pay more for your mortgage. This is because your payments will be variable and could go up or down, depending on any changes to the variable rate.
Discover more about the types of mortgages we offer.