Switch | Mortgages

If your current fixed rate mortgage is coming to an end, or you're on the HSBC standard variable rate or HSBC Buy to Let standard variable rate, we can help you switch to a new HSBC mortgage rate.

Why should you consider switching your rate?

You could save money by switching to another rate compared to our standard variable rate
You can agree your mortgage rate up to 12 weeks before your current rate ends
We won't need to check your credit rating as you're an existing mortgage customer
No valuations are required
No legal work is required.

What happens if I don't switch my mortgage rate?

If you're on a HSBC fixed rate which is ending soon, you'll be moved onto the HSBC standard variable rate for residential mortgages or HSBC Buy to Let standard variable rate for Buy to Let mortgages. Details of this can be found on your mortgage Offer document.

Your mortgage payments will be variable so these could go up or down
You'll be able to make unlimited overpayments
You could pay off your mortgage early without any Early Repayment Charges.

Switching to a new HSBC mortgage rate is easy

Once you've decided you want to switch, it's easy to find a new rate.

Step 1 - Find and compare our current mortgage rates or view all Our mortgage rates
Step 2 - When you're ready, apply to switch to a new rate.

Contact us

0800 169 6333^†

Handy tools

Interest rate change calculator

Repayment calculator

How to apply for a rate switch

Online

To switch your rate online, you need to be registered for online banking. If you are not registered for online banking, you can register now

If you are switching a rate and making no other changes, once you have logged into online banking, select your mortgage account, click 'Manage' and then select 'Change my rate only'.
If you are switching a rate and you would like to make other changes at the same (e.g. changing your term, requesting additional borrowing, changing your repayment type) once you have logged into online banking, select your mortgage account, click 'Manage' and then select 'Make other changes'.

Consider this option if:

you don’t need advice in relation to the mortgage rate you wish to apply for and are comfortable choosing a new mortgage deal
your current Loan to Value (LTV) does not exceed 90% - the LTV is your mortgage balance as a proportion of the value of your home
you are not switching a Buy to Let mortgage.

Apply online

Speak to us

Arrange an appointment with a Mortgage Advisor over the phone or in branch

Speak to us on 0800 1696333^†Textphone 1800 10800 028 1236

Consider this option if:

you need advice from one of our Mortgage Advisors in relation to the mortgage you wish to apply for
you don't need advice but would like us to complete your application for you
your current Loan to Value (LTV) exceeds 90% - the LTV is your mortgage balance as a proportion of the value of your home
you have a Buy to Let mortgage.

Call us on 0800 1696333

Think carefully before securing other debts against your home.
Your home may be repossessed if you do not keep up repayments on your mortgage.

^†Lines open Monday to Friday 8am - 9pm, Saturday 8am - 8pm, Sunday 9am - 6pm. Calls may be monitored and recorded. Opening hours within the mortgage departments may vary.

Switch mortgage