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Switch your mortgage rate

Easily switch your mortgage to one of our latest rates

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 - and we've made switching easy.

  • Save money
    Switching to another rate could help you save more for what you really love.
  • Agree your rate up to 12 weeks in advance
    Relax, you can agree your mortgage rate up to 12 weeks before your current rate comes to an end.
  • No need for a credit check
    As you already have a mortgage with us, we don't need to check your credit rating.
  • Automatic valuation
    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.

How to switch your HSBC mortgage rate

Online

You can switch your mortgage or Buy-to-Let mortgage online if:

  • all applicants on the mortgage are registered for online banking
  • you don't need advice from our mortgage team
  • your current Loan to Value (LTV) doesn't exceed 90% - your LTV is your mortgage balance as a proportion of the value of your home, as a percentage
  • you're up to date on your mortgage payments


Log on to find out which rates are available, and switch your rate. You can also view your monthly repayments in more detail.

Are you not yet registered for online banking? Register now.

By phone or in branch

If you'd like support from our mortgage team, give us a call on 0800 169 6333 to book an appointment.

Lines open Monday to Saturday 08:00 – 20:00, Sunday 09:00 - 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.

Frequently Asked Questions

It’s easy to get in touch online. Talk to us directly through our chat channels.