Mortgage Fees

HSBC UK
Mortgages
Mortgage fees

When you take out an HSBC mortgage you'll benefit from our continuous efforts to keep our fees as low as possible. Read on to see what fees are charged and when.

Standard versus fee saver mortgages

We offer two fee options on our residential mortgages – the standard mortgage range, or you can choose from the fee saver range. Fee saver means:

No booking fee
No completion fee.

We'll cover the cost of one Standard Valuation report where this is required by HSBC as part of your mortgage application.

Other fees and charges may be payable to other parties including, but not limited to legal fees and charges applied by your existing lender.

Our mortgage fees

**Fixed rate mortgage fees**
Fee Payable	Standard	Fee Saver
Is there a Booking fee?	Yes Refer to our mortgage rates or your mortgage illustration for details	No
Is there a Completion fee?	£17	£17
Is there a Standard Valuation Report fee?	No	No
Do early repayment charges apply?	Yes	Yes

**Fixed rate mortgage fees**
Fee Payable	Is there a Booking fee?
Standard	Yes Refer to our mortgage rates or your mortgage illustration for details
Fee Saver	No

Fee Payable	Is there a Completion fee?
Standard	£17
Fee Saver	£17

Fee Payable	Is there a Standard Valuation Report fee?
Standard	No
Fee Saver	No

Fee Payable	Do early repayment charges apply?
Standard	Yes
Fee Saver	Yes

View all HSBC fixed rate mortgages

**Tracker mortgage fees**
Fee Payable	Standard	Fee Saver
Is there a Booking fee?	Yes Refer to our mortgage rates or your mortgage illustration for details	No
Is there a Completion fee?	£17	£17
Is there a Standard Valuation Report fee?	No	No
Do early repayment charges apply?	No	No

**Tracker mortgage fees**
Fee Payable	Is there a Booking fee?
Standard	Yes Refer to our mortgage rates or your mortgage illustration for details
Fee Saver	No

Fee Payable	Is there a Completion fee?
Standard	£17
Fee Saver	£17

Fee Payable	Is there a Standard Valuation Report fee?
Standard	No
Fee Saver	No

Fee Payable	Do early repayment charges apply?
Standard	No
Fee Saver	No

View all HSBC tracker mortgages

**Buy to let fees**
Fee Payable	Tracker	Fixed
Is there a Booking fee?	Yes Refer to our mortgage rates or your mortgage illustration for details	Yes Refer to our mortgage rates or your mortgage illustration for details
Arrangement fee	N/A	N/A
Is there a Completion fee?	£17	£17
Is there a Standard Valuation Report fee?	No	No
Do early repayment charges apply?	No	Yes

**Buy to let fees**
Fee Payable	Is there a Booking fee?
Tracker	Yes Refer to our mortgage rates or your mortgage illustration for details
Fixed	Yes Refer to our mortgage rates or your mortgage illustration for details

Fee Payable	Arrangement fee
Tracker	N/A
Fixed	N/A

Fee Payable	Is there a Completion fee?
Tracker	£17
Fixed	£17

Fee Payable	Is there a Standard Valuation Report fee?
Tracker	No
Fixed	No

Fee Payable	Do early repayment charges apply?
Tracker	No
Fixed	Yes

View all HSBC buy to let mortgages

Understanding our fees

A range of fees may apply when taking out an HSBC mortgage. Our tariff of charges makes our fees and charges easy for you to understand. We have also summarised these fees below to make it clear what's what.

A fee charged on some mortgages to secure a particular mortgage deal.

You may be able to add some or all of the booking fee to your mortgage. Adding fees to your mortgage means you'll pay more interest over the term of the loan, than if you'd chosen to pay at the start. If you'd like to consider adding the booking fee to your mortgage, please call us or visit your local HSBC branch where we will be happy to discuss your requirements.

You may want to commission a building survey to get a fuller picture of the property's construction and condition. This includes subsidence, foundations, external walls, the history of the property and likely future maintenance needs.

The lender charges this fee to cover the cost of electronically transferring the mortgage funds to the borrower.

An Early Repayment Charge (ERC) is a charge you may have to pay if you repay the whole or part of your mortgage early (which includes when you move to a different HSBC mortgage product or move to a different lender) during a certain period.

Mortgages that have an ERC also have an annual overpayment allowance. This allowance, which is available in the years when an ERC applies, gives you the flexibility of making some overpayments, if you wish, up to the amount of the allowance without incurring an ERC. As long as you do not exceed your annual overpayment allowance, you can make as many overpayments as you like within that year either by way of increasing your monthly mortgage payments or making additional payments.

If you exceed your annual overpayment allowance for a year, an ERC will be charged on the amount you have repaid over the allowance.

ERCs do not apply to all of our mortgages. Please refer to your Mortgage Illustration for details of any applicable ERC.

Fee Saver means no booking fee and no completion fee. We'll cover the cost of one Standard Valuation where this is required by HSBC as part of your mortgage application.

Other fees and charges may be payable to other parties including, but not limited to legal fees and charges applied by your existing lender.

You may want to commission a homebuyers report which is designed to be as cost-effective as possible and so concentrates on defects and problems that are urgent or significant. It doesn't explore structural aspects or detail remedial works.

This report is solely for the purpose of arriving at a current market value to enable the lender to determine the amount of the advance. It should not be relied on to access the suitability or saleability of the property.

We'll cover the cost of one Standard Valuation report where this is required by HSBC as part of your mortgage application.

Contact us

0800 1696333^†

How to apply

New Application

Applying for a mortgage involves two stages, firstly getting a Decision in Principle; secondly making a mortgage application.

Apply for a mortgage

Already started an application?

If you started a mortgage application over the phone or online, you can log on to complete it or track its progress.

Continue your application

Think carefully before securing other debts against your home.

Your home may be repossessed if you do not keep up repayments on your mortgage.

^† Lines open Monday to Friday 8am - 9pm, Saturday 8am - 8pm, Sunday 9am - 6pm. Calls may be monitored and recorded. Opening hours within the mortgage departments may vary.

Standard versus fee saver mortgages

Our mortgage fees

Fixed rate mortgage fees

Fixed rate mortgage fees

Tracker mortgage fees

Tracker mortgage fees

Buy to let fees

Buy to let fees

Understanding our fees

Booking fee

Building survey and valuation report

Completion fee

Early Repayment Charge

Fee Saver

Homebuyers report and valuation report

Legal fees

Standard Valuation report

Contact us

How to apply

New Application

Already started an application?

Customer support