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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 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.

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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*

5.00%
fixed

6.99%

2 Years fixed rate until 31.07.2026

6.8%
APRC

£0

10%

£0

£ 5,000,000

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2 Year Fixed Standard

4.81%
fixed

6.99%

2 Years fixed rate until 31.07.2026

7.1%
APRC

£999

10%

£0

£ 5,000,000

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2 Year Fixed Fee Saver Buy To Let

5.33%
fixed

7.60%

2 Years fixed rate until 31.07.2026

7.4%
APRC

£0

10%

£0

£ 2,000,000

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2 Year Fixed Standard Buy To Let

4.69%

fixed

7.60%
2 Years fixed rate until 31.07.2026

7.8%

APRC

£1999
10%
£0 £ 2,000,000

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3 Year Fixed Fee Saver*

4.83%
fixed

6.99%

3 Years fixed rate until 31.07.2027

6.6%
APRC

£0

10%

£0

£ 5,000,000

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3 Year Fixed Standard

4.64%
fixed

6.99%

3 Years fixed rate until 31.07.2027

6.8%
APRC

£999

10%

£0

£ 5,000,000

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5 Year Fixed Fee Saver*

4.58%
fixed

6.99%

5 Years fixed rate until 31.07.2029

6.1%
APRC

£0

10%

£0

£ 5,000,000

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5 Year Fixed Standard

4.39%
fixed

6.99%

5 Years fixed rate until 31.07.2029

6.3%
APRC

£999

10%

£0

£ 5,000,000

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5 Year Fixed Fee Saver Buy To Let

4.68%
fixed

7.60%

5 Years fixed rate until 31.07.2029

6.5%
APRC

£0

10%

£0

£ 2,000,000

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5 Year Fixed Standard Buy To Let

4.52%

fixed

7.60%
5 Years fixed rate until 31.07.2029

7.0%

APRC

£1999
10%
£0 £ 2,000,000

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5 Year Fixed Premier Standard

4.36%
fixed

6.99%

5 Years fixed rate until 31.07.2029

6.4%
APRC

£1499

10%

£0

£ 5,000,000

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10 Year Fixed Fee Saver*

5.09%
fixed

6.99%

10 Years fixed rate until 31.07.2034

5.8%
APRC

£0

10%

£0

£ 5,000,000

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10 Year Fixed Standard

4.88%
fixed

6.99%

10 Years fixed rate until 31.07.2034

5.9%
APRC

£999

10%

£0

£ 5,000,000

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

5.00%
fixed

Followed by a Variable Rate, currently

6.99%

Initial interest rate period

2 Years fixed rate until 31.07.2026

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

£0

Annual overpayment allowance

10%

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

£ 5,000,000

 

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Mortgage 2 Year Fixed Standard
Initial interest rate

4.81%
fixed

Followed by a Variable Rate, currently

6.99%

Initial interest rate period

2 Years fixed rate until 31.07.2026

Overall cost for comparison (APRC) 7.1%
APRC

Booking fee

£999

Annual overpayment allowance

10%

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

£ 5,000,000

 

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

5.33%
fixed

Followed by a Variable Rate, currently

7.60%

Initial interest rate period

2 Years fixed rate until 31.07.2026

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

 

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Mortgage 2 Year Fixed Standard Buy To Let
Initial interest rate

4.69%

fixed

Followed by a Variable Rate, currently 7.60%
Initial interest rate period 2 Years fixed rate until 31.07.2026
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
 

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Mortgage 3 Year Fixed Fee Saver*
Initial interest rate

4.83%
fixed

Followed by a Variable Rate, currently

6.99%

Initial interest rate period

3 Years fixed rate until 31.07.2027

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

£0

Annual overpayment allowance

10%

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

£ 5,000,000

 

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Mortgage 3 Year Fixed Standard
Initial interest rate

4.64%
fixed

Followed by a Variable Rate, currently

6.99%

Initial interest rate period

3 Years fixed rate until 31.07.2027

Overall cost for comparison (APRC) 6.8%
APRC

Booking fee

£999

Annual overpayment allowance

10%

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

£ 5,000,000

 

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Mortgage 5 Year Fixed Fee Saver*
Initial interest rate

4.58%
fixed

Followed by a Variable Rate, currently

6.99%

Initial interest rate period

5 Years fixed rate until 31.07.2029

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

£0

Annual overpayment allowance

10%

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

£ 5,000,000

 

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Mortgage 5 Year Fixed Standard
Initial interest rate

4.39%
fixed

Followed by a Variable Rate, currently

6.99%

Initial interest rate period

5 Years fixed rate until 31.07.2029

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

£999

Annual overpayment allowance

10%

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

£ 5,000,000

 

Switch now


Borrow more

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

4.68%
fixed

Followed by a Variable Rate, currently

7.60%

Initial interest rate period

5 Years fixed rate until 31.07.2029

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


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Mortgage 5 Year Fixed Standard Buy To Let
Initial interest rate

4.52%

fixed

Followed by a Variable Rate, currently 7.60%
Initial interest rate period 5 Years fixed rate until 31.07.2029
Overall cost for comparison (APRC)

7.0%

APRC

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

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Mortgage 5 Year Fixed Premier Standard
Initial interest rate

4.36%
fixed

Followed by a Variable Rate, currently

6.99%

Initial interest rate period

5 Years fixed rate until 31.07.2029

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

 

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Mortgage 10 Year Fixed Fee Saver*
Initial interest rate

5.09%
fixed

Followed by a Variable Rate, currently

6.99%

Initial interest rate period

10 Years fixed rate until 31.07.2034

Overall cost for comparison (APRC) 5.8%
APRC
Booking fee

£0

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 Standard
Initial interest rate

4.88%
fixed

Followed by a Variable Rate, currently

6.99%

Initial interest rate period

10 Years fixed rate until 31.07.2034

Overall cost for comparison (APRC) 5.9%
APRC

Booking fee

£999

Annual overpayment allowance

10%

Cashback £0
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

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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

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2 Year Term Tracker Standard Buy To Let

5.52%

variable

7.60%
2 Years

8.0%

APRC

£1999
£0 £ 2,000,000
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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

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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
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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
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Representative example

A repayment mortgage of £179,992.02 payable over 27 years and 8 months initially on a fixed rate for 2 years at 6.23% and then on our current variable rate of 6.99% (variable) for the remaining 25 years and 8 months would require 24 monthly payments of £1,139.23 and 307 monthly payments of £1,223.34 plus one final payment of £1226.16.

The total amount payable would be £404,428.06 made up of the loan amount plus interest of £224,141.04 and a solicitors fee of £295.

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

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 169 6333 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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