Top of main content

Existing customer rates

If you're interested in switching rates or borrowing more on your HSBC mortgage, we've got a range to choose from

Not a UK resident or lived in the UK as a foreign national for less than 12 months? Find out how to apply for a non-UK resident mortgage and take a look at our latest residential and buy-to-let mortgage rates.

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

dpws-tools-calculator-creator

Fixed-rate mortgages

60% Maximum Loan to Value (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 Fee Saver

4.90%
fixed

6.99%

2 Years fixed rate until 31.07.26

6.8%
APRC

£0

10%

£

£ 5,000,000

Switch now


Borrow more

2 Year Fixed Standard

4.63%
fixed

6.99%

2 Years fixed rate until 31.07.26

7.0%
APRC

£999

10%

£

£ 5,000,000

Switch now


Borrow more

 

2 Year Fixed Fee Saver Buy To Let

5.23%
fixed

7.60%

2 Years fixed rate until 31.07.26

7.4%
APRC

£0

10%

£0

£ 2,000,000

Switch now


Borrow more

2 Year Fixed Standard Buy To Let

4.51%

fixed

7.60%
2 Years fixed rate until 31.07.26

7.8%

APRC

£1999
10%
£0 £ 2,000,000

Switch now


Borrow more

3 Year Fixed Fee Saver

4.84%
fixed

6.99%

3 Years fixed rate until 31.07.27

6.6%
APRC

£0

10%

£

£ 5,000,000

Switch now


Borrow more

3 Year Fixed Standard

4.59%
fixed

6.99%

3 Years fixed rate until 31.07.27

6.8%
APRC

£999

10%

£

£ 5,000,000

Switch now


Borrow more

5 Year Fixed Fee Saver

4.47%
fixed

6.99%

5 Years fixed rate until 31.07.29

6.1%
APRC

£0

10%

£

£ 5,000,000

Switch now


Borrow more

5 Year Fixed Standard

4.28%
fixed

6.99%

5 Years fixed rate until 31.07.29

6.3%
APRC

£999

10%

£

£ 5,000,000

Switch now


Borrow more

5 Year Fixed Fee Saver Buy To Let

4.66%
fixed

7.60%

5 Years fixed rate until 31.07.29

6.5%
APRC

£0

10%

£0

£ 2,000,000

Switch now


Borrow more

5 Year Fixed Standard Buy To Let

4.22%

fixed

7.60%
5 Years fixed rate until 31.07.29

6.9%

APRC

£1999
10%
£0 £ 2,000,000

Switch now


Borrow more

5 Year Fixed Premier Standard

4.25%
fixed

6.99%

5 Years fixed rate until 31.07.29

6.4%
APRC

£1499

10%

£0

£ 5,000,000

Switch now


Borrow more

10 Year Fixed Fee Saver

4.89%
fixed

6.99%

10 Years fixed rate until 31.07.34

5.7%
APRC

£0

10%

£

£ 5,000,000

Switch now


Borrow more

10 Year Fixed Standard

4.77%
fixed

6.99%

10 Years fixed rate until 31.07.34

5.8%
APRC

£999

10%

£

£ 5,000,000

Switch now


Borrow more

60% Maximum Loan to Value (LTV)
Mortgage 2 Year Fixed Fee Saver
Initial interest rate

4.90%
fixed

Followed by a Variable Rate, currently

6.99%

Initial interest rate period

2 Years fixed rate until 31.07.26

Overall cost for comparison (APRC) 6.8%
APRC
Booking fee

£0

Annual overpayment allowance

10%

Cashback £
Maximum loan amount (subject to LTV and Lending Policy)

£ 5,000,000

 

Switch now


Borrow more

Mortgage 2 Year Fixed Standard
Initial interest rate

4.63%
fixed

Followed by a Variable Rate, currently

6.99%

Initial interest rate period

2 Years fixed rate until 31.07.26

Overall cost for comparison (APRC) 7.0%
APRC

Booking fee

£999

Annual overpayment allowance

10%

Cashback £
Maximum loan amount (subject to LTV and Lending Policy)

£ 5,000,000

 

Switch now


Borrow more

 

Mortgage 2 Year Fixed Fee Saver Buy To Let
Initial interest rate

5.23%
fixed

Followed by a Variable Rate, currently

7.60%

Initial interest rate period

2 Years fixed rate until 31.07.26

Overall cost for comparison (APRC) 7.4%
APRC
Booking fee

£0

Annual overpayment allowance

10%

Cashback £0
Maximum loan amount (subject to LTV and Lending Policy)

£ 2,000,000

 

Switch now


Borrow more

Mortgage 2 Year Fixed Standard Buy To Let
Initial interest rate

4.51%

fixed

Followed by a Variable Rate, currently 7.60%
Initial interest rate period 2 Years fixed rate until 31.07.26
Overall cost for comparison (APRC)

7.8%

APRC

Booking fee £1999
Annual overpayment allowance 10%
Cashback £0
Maximum loan amount (subject to LTV and Lending Policy) £ 2,000,000
 

Switch now


Borrow more

Mortgage 3 Year Fixed Fee Saver
Initial interest rate

4.84%
fixed

Followed by a Variable Rate, currently

6.99%

Initial interest rate period

3 Years fixed rate until 31.07.27

Overall cost for comparison (APRC) 6.6%
APRC
Booking fee

£0

Annual overpayment allowance

10%

Cashback £
Maximum loan amount (subject to LTV and Lending Policy)

£ 5,000,000

 

Switch now


Borrow more

Mortgage 3 Year Fixed Standard
Initial interest rate

4.59%
fixed

Followed by a Variable Rate, currently

6.99%

Initial interest rate period

3 Years fixed rate until 31.07.27

Overall cost for comparison (APRC) 6.8%
APRC

Booking fee

£999

Annual overpayment allowance

10%

Cashback £
Maximum loan amount (subject to LTV and Lending Policy)

£ 5,000,000

 

Switch now


Borrow more

Mortgage 5 Year Fixed Fee Saver
Initial interest rate

4.47%
fixed

Followed by a Variable Rate, currently

6.99%

Initial interest rate period

5 Years fixed rate until 31.07.29

Overall cost for comparison (APRC) 6.1%
APRC
Booking fee

£0

Annual overpayment allowance

10%

Cashback £
Maximum loan amount (subject to LTV and Lending Policy)

£ 5,000,000

 

Switch now


Borrow more

Mortgage 5 Year Fixed Standard
Initial interest rate

4.28%
fixed

Followed by a Variable Rate, currently

6.99%

Initial interest rate period

5 Years fixed rate until 31.07.29

Overall cost for comparison (APRC) 6.3%
APRC
Booking fee

£999

Annual overpayment allowance

10%

Cashback £
Maximum loan amount (subject to LTV and Lending Policy)

£ 5,000,000

 

Switch now


Borrow more

Mortgage 5 Year Fixed Fee Saver Buy To Let
Initial interest rate

4.66%
fixed

Followed by a Variable Rate, currently

7.60%

Initial interest rate period

5 Years fixed rate until 31.07.29

Overall cost for comparison (APRC) 6.5%
APRC
Booking fee

£0

Annual overpayment allowance

10%

Cashback £0
Maximum loan amount (subject to LTV and Lending Policy)

£ 2,000,000

 

Switch now


Borrow more

Mortgage 5 Year Fixed Standard Buy To Let
Initial interest rate

4.22%

fixed

Followed by a Variable Rate, currently 7.60%
Initial interest rate period 5 Years fixed rate until 31.07.29
Overall cost for comparison (APRC)

6.9%

APRC

Booking fee £1999
Annual overpayment allowance 10%
Cashback £0
Maximum loan amount (subject to LTV and Lending Policy) £ 2,000,000
 

Switch now


Borrow more

Mortgage 5 Year Fixed Premier Standard
Initial interest rate

4.25%
fixed

Followed by a Variable Rate, currently

6.99%

Initial interest rate period

5 Years fixed rate until 31.07.29

Overall cost for comparison (APRC) 6.4%
APRC
Booking fee

£1499

Annual overpayment allowance

10%

Cashback £0
Maximum loan amount (subject to LTV and Lending Policy)

£ 5,000,000

 

Switch now


Borrow more

Mortgage 10 Year Fixed Fee Saver
Initial interest rate

4.89%
fixed

Followed by a Variable Rate, currently

6.99%

Initial interest rate period

10 Years fixed rate until 31.07.34

Overall cost for comparison (APRC) 5.7%
APRC
Booking fee

£0

Annual overpayment allowance

10%

Cashback £
Maximum loan amount (subject to LTV and Lending Policy)

£ 5,000,000

 

Switch now


Borrow more

Mortgage 10 Year Fixed Standard
Initial interest rate

4.77%
fixed

Followed by a Variable Rate, currently

6.99%

Initial interest rate period

10 Years fixed rate until 31.07.34

Overall cost for comparison (APRC) 5.8%
APRC

Booking fee

£999

Annual overpayment allowance

10%

Cashback £
Maximum loan amount (subject to LTV and Lending Policy)

£ 5,000,000

 

Switch now


Borrow more

Tracker mortgages

60% Maximum Loan to Value (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

5.39%
variable

6.99%

2 Years

7.2%
APRC

£999

£0

£ 5,000,000

Switch now

Borrow more
2 Year Term Tracker Fee Saver 6.09%
variable
6.99% 2 Years 7.0%
APRC
£0 £0 £ 5,000,000 Rate switch only
2 Year Term Tracker Fee Saver Buy To Let

6.34%

variable

7.60%
2 Years

7.6%

APRC

£0
£0 £ 2,000,000 Switch now

Borrow more
2 Year Term Tracker Standard Buy To Let

5.52%

variable

7.60%
2 Years

8.0%

APRC

£1999
£0 £ 2,000,000
Switch now

Borrow more
60% Maximum Loan to Value (LTV)
Mortgage 2 Year Term Tracker Standard

Initial interest rate

5.39%
variable

Followed by a variable rate, currently

6.99%

Initial interest rate period

2 Years

Overall cost for comparison (APRC)

7.2%
APRC

Booking fee

£999

Cashback £0

Maximum loan amount (subject to LTV and Lending Policy)

£ 5,000,000

  Switch now

Borrow more
Mortgage 2 Year Term Tracker Fee Saver

Initial interest rate

6.09%
variable

Followed by a variable rate, currently

6.99%

Initial interest rate period

2 Years

Overall cost for comparison (APRC)

7.0%
APRC

Booking fee

£0
Cashback £0

Maximum loan amount (subject to LTV and Lending Policy)

£ 5,000,000
  Rate switch only
Mortgage 2 Year Term Tracker Fee Saver Buy To Let

Initial interest rate

6.34%

variable

Followed by a variable rate, currently

7.60%

Initial interest rate period

2 Years

Overall cost for comparison (APRC)

7.6%

APRC

Booking fee

£0
Cashback £0

Maximum loan amount (subject to LTV and Lending Policy)

£ 2,000,000
  Switch now

Borrow more
Mortgage 2 Year Term Tracker Standard Buy To Let

Initial interest rate

5.52%

variable

Followed by a variable rate, currently

7.60%

Initial interest rate period

2 Years

Overall cost for comparison (APRC)

8.0%

APRC

Booking fee

£1999
Cashback £0

Maximum loan amount (subject to LTV and Lending Policy)

£ 2,000,000
  Switch now

Borrow more

Representative example

A repayment mortgage of £178,881.91 payable over 26 years initially on a fixed rate for 2 years at 6.08% and then on our current variable rate of 6.99% (variable) for the remaining 24 years would require 24 monthly payments of £1,143.10 and 287 monthly payments of £1,240.57, plus one final payment of £1237.21.

The total amount payable would be £385,010.20 made up of the loan amount plus interest of £205,833.29 and a solicitors fee of £295.

In this example, the overall cost for comparison is 7.1% 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.

Speak to us

If you'd like support from our mortgage team for your rate switch, give us a call on 0800 731 3134 to book an appointment.

Our lines are open Monday to Friday 08:00 to 20:00, Saturday and Sunday 09:00 to 17:00. Calls may be monitored and recorded. Opening hours within the mortgage departments may vary.

Things to know

It's easy to answer your query online. Visit our Help page to find out how.