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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 resident in the UK? If you're not yet a UK resident, find out if you can apply and take a look at our Residential and Buy-to-let rates for non-UK residents.

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

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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

3.50%
fixed

4.54%

2 Years fixed rate until 31.10.24

4.4%
APRC

£0

10%

£0

£ 5,000,000

Switch now
2 Year Fixed Standard

3.20%
fixed

4.54%

2 Years fixed rate until 31.10.24

4.6%
APRC

£999

10%

£0

£ 5,000,000

Switch now
2 Year Fixed Fee Saver Buy To Let

3.50%
fixed

5.10%

2 Years fixed rate until 31.10.24

4.9%
APRC

£0

10%

£0

£ 2,000,000

Switch now
2 Year Fixed Standard Buy To Let

2.94%

fixed

5.10%
2 Years fixed rate until 31.10.24

5.3%

APRC

£1999
10%
£0 £ 2,000,000
Switch now
3 Year Fixed Fee Saver

3.84%
fixed

4.54%

3 Years fixed rate until 31.10.25

4.4%
APRC

£0

10%

£0

£ 5,000,000

Switch now
3 Year Fixed Standard

3.57%
fixed

4.54%

3 Years fixed rate until 31.10.25

4.6%
APRC

£999

10%

£0

£ 5,000,000

Switch now
5 Year Fixed Fee Saver

3.49%
fixed

4.54%

5 Years fixed rate until 31.10.27

4.2%
APRC

£0

10%

£0

£ 5,000,000

Switch now
5 Year Fixed Standard

3.23%
fixed

4.54%

5 Years fixed rate until 31.10.27

4.3%
APRC

£999

10%

£0

£ 5,000,000

Switch now
5 Year Fixed Premier Standard

3.20%
fixed

4.54%

5 Years fixed rate until 31.10.27

4.4%
APRC

£1499

10%

£0

£ 5,000,000

Switch now
5 Year Fixed Fee Saver Buy To Let

3.49%
fixed

5.10%

5 Years fixed rate until 31.10.27

4.5%
APRC

£0

10%

£0

£ 2,000,000

Switch now
5 Year Fixed Standard Buy To Let

3.09%

fixed

5.10%
5 Years fixed rate until 31.10.27

4.9%

APRC

£1999
10%
£0 £ 2,000,000
Switch now

60% Maximum Loan to Value (LTV)

Mortgage 2 Year Fixed Fee Saver
Initial interest rate

3.50%
fixed

Followed by a Variable Rate, currently

4.54%

Initial interest rate period

2 Years fixed rate until 31.10.24

Overall cost for comparison (APRC) 4.4%
APRC
Booking fee

£0

Annual overpayment allowance

10%

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

£ 5,000,000

  Switch now
Mortgage 2 Year Fixed Standard
Initial interest rate

3.20%
fixed

Followed by a Variable Rate, currently

4.54%

Initial interest rate period

2 Years fixed rate until 31.10.24

Overall cost for comparison (APRC) 4.6%
APRC

Booking fee

£999

Annual overpayment allowance

10%

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

£ 5,000,000

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

3.50%
fixed

Followed by a Variable Rate, currently

5.10%

Initial interest rate period

2 Years fixed rate until 31.10.24

Overall cost for comparison (APRC) 4.9%
APRC
Booking fee

£0

Annual overpayment allowance

10%

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

£ 2,000,000

  Switch now
Mortgage 2 Year Fixed Standard Buy To Let
Initial interest rate

2.94%

fixed

Followed by a Variable Rate, currently 5.10%
Initial interest rate period 2 Years fixed rate until 31.10.24
Overall cost for comparison (APRC)

5.3%

APRC

Booking fee £1999
Annual overpayment allowance 10%
Cashback £0
Maximum loan amount (subject to LTV and Lending Policy) £ 2,000,000
  Switch now
Mortgage 3 Year Fixed Fee Saver
Initial interest rate

3.84%
fixed

Followed by a Variable Rate, currently

4.54%

Initial interest rate period

3 Years fixed rate until 31.10.25

Overall cost for comparison (APRC) 4.4%
APRC
Booking fee

£0

Annual overpayment allowance

10%

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

£ 5,000,000

  Switch now
Mortgage 3 Year Fixed Standard
Initial interest rate

3.57%
fixed

Followed by a Variable Rate, currently

4.54%

Initial interest rate period

3 Years fixed rate until 31.10.25

Overall cost for comparison (APRC) 4.6%
APRC

Booking fee

£999

Annual overpayment allowance

10%

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

£ 5,000,000

  Switch now
Mortgage 5 Year Fixed Fee Saver
Initial interest rate

3.49%
fixed

Followed by a Variable Rate, currently

4.54%

Initial interest rate period

5 Years fixed rate until 31.10.27

Overall cost for comparison (APRC) 4.2%
APRC
Booking fee

£0

Annual overpayment allowance

10%

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

£ 5,000,000

  Switch now
Mortgage 5 Year Fixed Standard
Initial interest rate

3.23%
fixed

Followed by a Variable Rate, currently

4.54%

Initial interest rate period

5 Years fixed rate until 31.10.27

Overall cost for comparison (APRC) 4.3%
APRC
Booking fee

£999

Annual overpayment allowance

10%

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

£ 5,000,000

  Switch now
Mortgage 5 Year Fixed Premier Standard
Initial interest rate

3.20%
fixed

Followed by a Variable Rate, currently

4.54%

Initial interest rate period

5 Years fixed rate until 31.10.27

Overall cost for comparison (APRC) 4.4%
APRC
Booking fee

£1499

Annual overpayment allowance

10%

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

£ 5,000,000

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

3.49%
fixed

Followed by a Variable Rate, currently

5.10%

Initial interest rate period

5 Years fixed rate until 31.10.27

Overall cost for comparison (APRC) 4.5%
APRC
Booking fee

£0

Annual overpayment allowance

10%

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

£ 2,000,000

  Switch now
Mortgage 5 Year Fixed Standard Buy To Let
Initial interest rate

3.09%

fixed

Followed by a Variable Rate, currently 5.10%
Initial interest rate period 5 Years fixed rate until 31.10.27
Overall cost for comparison (APRC)

4.9%

APRC

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

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

2.54%
variable

4.54%

2 Years

4.5%
APRC

£999

£0

£ 5,000,000

Switch now
2 Year Term Tracker Standard Buy To Let

3.49%

variable

5.10%
2 Years

5.4%

APRC

£1999
£0 £ 2,000,000
Switch now

60% Maximum Loan to Value (LTV)

Mortgage 2 Year Term Tracker Standard

Initial interest rate

2.54%
variable

Followed by a variable rate, currently

4.54%

Initial interest rate period

2 Years

Overall cost for comparison (APRC)

4.5%
APRC

Booking fee

£999

Cashback £0

Maximum loan amount (subject to LTV and Lending Policy)

£ 5,000,000

  Switch now
Mortgage 2 Year Term Tracker Standard Buy To Let

Initial interest rate

3.49%

variable

Followed by a variable rate, currently

5.10%

Initial interest rate period

2 Years

Overall cost for comparison (APRC)

5.4%

APRC

Booking fee

£1999
Cashback £0

Maximum loan amount (subject to LTV and Lending Policy)

£ 2,000,000
  Switch now

Representative example

A repayment mortgage of £184,000 payable over 28 years and 6 months initially on a fixed rate for 2 years at 4.14% and then on our current variable rate of 4.54% (variable) for the remaining 26 years and 6 months would require 24 monthly payments of £917.69 and 317 monthly payments of £958.12, plus one final payment of £958.33. 

The total amount payable would be £327,001.93 made up of the loan amount plus interest (£142,706.93) and a solicitors fee of £295.

In this example, the overall cost for comparison is 4.6% 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

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