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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.

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

Discover how to switch your HSBC mortgage rate

Fixed Rate Mortgages for existing mortgage customers

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 Maximum loan amount
2 Year Fixed Fee Saver

1.04%
fixed

3.54%

2 Years fixed rate until 30.11.23

3.2%
APRC

£0

10%

£ 5,000,000

2 Year Fixed Standard

0.84%
fixed

3.54%

2 Years fixed rate until 30.11.23

3.4%
APRC

£999

10%

£ 5,000,000

2 Year Fixed Fee Saver Buy To Let

1.84%
fixed

4.60%

2 Years fixed rate until 30.11.23

4.2%
APRC

£0

10%

£ 2,000,000

2 Year Fixed Standard Buy To Let

1.24%

fixed

4.60%
2 Years fixed rate until 30.11.23

4.6%

APRC

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

1.09%
fixed

3.54%

3 Years fixed rate until 30.11.24

3.0%
APRC

£0

10%

£ 5,000,000

3 Year Fixed Standard

0.94%
fixed

3.54%

3 Years fixed rate until 30.11.24

3.2%
APRC

£999

10%

£ 5,000,000

5 Year Fixed Fee Saver

1.14%
fixed

3.54%

5 Years fixed rate until 30.11.26

2.6%
APRC

£0

10%

£ 5,000,000

5 Year Fixed Standard

0.94%
fixed

3.54%

5 Years fixed rate until 30.11.26

2.8%
APRC

£999

10%

£ 5,000,000

5 Year Fixed Premier Standard

0.91%
fixed

3.54%

5 Years fixed rate until 30.11.26

2.9%
APRC

£1499

10%

£ 5,000,000

5 Year Fixed Fee Saver Buy To Let

1.94%
fixed

4.60%

5 Years fixed rate until 30.11.26

3.6%
APRC

£0

10%

£ 2,000,000

5 Year Fixed Standard Buy To Let

1.69%

fixed

4.60%
5 Years fixed rate until 30.11.26

4.0%

APRC

£1999
10%
£ 2,000,000

60% Maximum Loan to Value (LTV)

Mortgage 2 Year Fixed Fee Saver
Initial interest rate

1.04%
fixed

Followed by a Variable Rate, currently

3.54%

Initial interest rate period

2 Years fixed rate until 30.11.23

Overall cost for comparison (APRC) 3.2%
APRC
Booking fee

£0

Annual overpayment allowance

10%

Maximum loan amount

£ 5,000,000

Mortgage 2 Year Fixed Standard
Initial interest rate

0.84%
fixed

Followed by a Variable Rate, currently

3.54%

Initial interest rate period

2 Years fixed rate until 30.11.23

Overall cost for comparison (APRC) 3.4%
APRC

Booking fee

£999

Annual overpayment allowance

10%

Maximum loan amount

£ 5,000,000

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

1.84%
fixed

Followed by a Variable Rate, currently

4.60%

Initial interest rate period

2 Years fixed rate until 30.11.23

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

£0

Annual overpayment allowance

10%

Maximum loan amount

£ 2,000,000

Mortgage 2 Year Fixed Standard Buy To Let
Initial interest rate

1.24%

fixed

Followed by a Variable Rate, currently 4.60%
Initial interest rate period 2 Years fixed rate until 30.11.23
Overall cost for comparison (APRC)

4.6%

APRC

Booking fee £1999
Annual overpayment allowance 10%
Maximum loan amount £ 2,000,000
Mortgage 3 Year Fixed Fee Saver
Initial interest rate

1.09%
fixed

Followed by a Variable Rate, currently

3.54%

Initial interest rate period

3 Years fixed rate until 30.11.24

Overall cost for comparison (APRC) 3.0%
APRC
Booking fee

£0

Annual overpayment allowance

10%

Maximum loan amount

£ 5,000,000

Mortgage 3 Year Fixed Standard
Initial interest rate

0.94%
fixed

Followed by a Variable Rate, currently

3.54%

Initial interest rate period

3 Years fixed rate until 30.11.24

Overall cost for comparison (APRC) 3.2%
APRC

Booking fee

£999

Annual overpayment allowance

10%

Maximum loan amount

£ 5,000,000

Mortgage 5 Year Fixed Fee Saver
Initial interest rate

1.14%
fixed

Followed by a Variable Rate, currently

3.54%

Initial interest rate period

5 Years fixed rate until 30.11.26

Overall cost for comparison (APRC) 2.6%
APRC
Booking fee

£0

Annual overpayment allowance

10%

Maximum loan amount

£ 5,000,000

Mortgage 5 Year Fixed Standard
Initial interest rate

0.94%
fixed

Followed by a Variable Rate, currently

3.54%

Initial interest rate period

5 Years fixed rate until 30.11.26

Overall cost for comparison (APRC) 2.8%
APRC
Booking fee

£999

Annual overpayment allowance

10%

Maximum loan amount

£ 5,000,000

Mortgage 5 Year Fixed Premier Standard
Initial interest rate

0.91%
fixed

Followed by a Variable Rate, currently

3.54%

Initial interest rate period

5 Years fixed rate until 30.11.26

Overall cost for comparison (APRC) 2.9%
APRC
Booking fee

£1499

Annual overpayment allowance

10%

Maximum loan amount

£ 5,000,000

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

1.94%
fixed

Followed by a Variable Rate, currently

4.60%

Initial interest rate period

5 Years fixed rate until 30.11.26

Overall cost for comparison (APRC) 3.6%
APRC
Booking fee

£0

Annual overpayment allowance

10%

Maximum loan amount

£ 2,000,000

Mortgage 5 Year Fixed Standard Buy To Let
Initial interest rate

1.69%

fixed

Followed by a Variable Rate, currently 4.60%
Initial interest rate period 5 Years fixed rate until 30.11.26
Overall cost for comparison (APRC)

4.0%

APRC

Booking fee £1999
Annual overpayment allowance 10%
Maximum loan amount £ 2,000,000

Tracker Mortgages for existing mortgage customers

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

Maximum loan amount

2 Year Term Tracker Standard

0.94%
variable

3.54%

2 Years

3.4%
APRC

£999

£ 5,000,000

2 Year Term Tracker Fee Saver Buy To Let

2.34%
variable

4.60%

2 Years

4.3%
APRC

£0

£ 2,000,000

2 Year Term Tracker Standard Buy To Let

1.84%

variable

4.60%
2 Years

4.7%

APRC

£1999
£ 2,000,000

60% Maximum Loan to Value (LTV)

Mortgage 2 Year Term Tracker Standard

Initial interest rate

0.94%
variable

Followed by a variable rate, currently

3.54%

Initial interest rate period

2 Years

Overall cost for comparison (APRC)

3.4%
APRC

Booking fee

£999

Maximum loan amount

£ 5,000,000

Mortgage 2 Year Term Tracker Fee Saver Buy To Let

Initial interest rate

2.34%
variable

Followed by a variable rate, currently

4.60%

Initial interest rate period

2 Years

Overall cost for comparison (APRC)

4.3%
APRC

Booking fee

£0

Maximum loan amount

£ 2,000,000

Mortgage 2 Year Term Tracker Standard Buy To Let

Initial interest rate

1.84%

variable

Followed by a variable rate, currently

4.60%

Initial interest rate period

2 Years

Overall cost for comparison (APRC)

4.7%

APRC

Booking fee

£1999

Maximum loan amount

£ 2,000,000

How to switch your HSBC mortgage rate

Online

You can switch your rate online if:

  • all applicants on the mortgage are registered for online banking
  • you don't want advice from our mortgage team
  • your current Loan to Value (LTV) doesn't exceed 90% for residential or 75% for Buy to let - your LTV percentage is your mortgage balance as a proportion of the value of your home
  • you're up to date on your mortgage payments
  • you’re only changing the rate and not making any other changes to your mortgage


Not yet registered for online banking? Register now.

Representative Example

A repayment mortgage of £163,500 payable over 28 years initially on a fixed rate for 2 years at 2.34% and then on our current variable rate of 3.54% (variable) for the remaining 26 years would require 24 monthly payments of £663.95 and 311 monthly payments of £761.15, plus one final payment of £760.00.

The total amount payable would be £253,707.45 made up of the loan amount plus interest (£89,912.45) and a solicitors fee of £295.

In this example, the overall cost for comparison is 3.40% 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.

Things to know

By phone or in branch

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

Lines open Monday to Saturday 08:00 to 20:00, Sunday 09:00 to 18:00. Calls may be monitored and recorded. Opening hours within the mortgage departments may vary.

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