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.
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 checkAs 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.
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.