Mortgage Rates | Mortgages

Whether you're a first time buyer or looking to remortgage, we offer different levels of flexibility and security across all our mortgages, subject to a maximum Loan To Value (LTV). The loan to value represents the percentage of the value of the property which you want to borrow. E.g. a £100K property with an £80K mortgage = an 80% LTV.

The rates shown below are available for new and existing HSBC mortgage customers.

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

Contact us

0800 169 6333^†

Fixed Rate Mortgages

**95% 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	3.09% fixed	4.19%	2 Years fixed rate until 31.01.21	4.1% APRC	£0	10%	£ 400,000
3 Year Fixed Fee Saver	3.29% fixed	4.19%	3 Years fixed rate until 31.01.22	4% APRC	£0	10%	£ 400,000
5 Year Fixed Fee Saver	3.49% fixed	4.19%	5 Years fixed rate until 31.01.24	4% APRC	£0	10%	£ 400,000

**95% Maximum Loan to Value (LTV)**
Mortgage	2 Year Fixed Fee Saver
Initial interest rate*	3.09% fixed
Followed by a Variable Rate, currently*	4.19%
Initial interest rate period	2 Years fixed rate until 31.01.21
Overall cost for comparison (APRC)*	4.1% APRC
Booking fee	£0
Annual overpayment allowance	10%
Maximum loan amount	£ 400,000

Mortgage	3 Year Fixed Fee Saver
Initial interest rate*	3.29% fixed
Followed by a Variable Rate, currently*	4.19%
Initial interest rate period	3 Years fixed rate until 31.01.22
Overall cost for comparison (APRC)*	4% APRC
Booking fee	£0
Annual overpayment allowance	10%
Maximum loan amount	£ 400,000

Mortgage	5 Year Fixed Fee Saver
Initial interest rate*	3.49% fixed
Followed by a Variable Rate, currently*	4.19%
Initial interest rate period	5 Years fixed rate until 31.01.24
Overall cost for comparison (APRC)*	4% APRC
Booking fee	£0
Annual overpayment allowance	10%
Maximum loan amount	£ 400,000

**90% 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	2.15% fixed	4.19%	2 Years fixed rate until 31.01.21	3.9% APRC	£0	10%	£ 400,000
2 Year Fixed Standard	1.79% fixed	4.19%	2 Years fixed rate until 31.01.21	3.9% APRC	£999	10%	£ 400,000
3 Year Fixed Fee Saver	2.35% fixed	4.19%	3 Years fixed rate until 31.01.22	3.8% APRC	£0	10%	£ 400,000
3 Year Fixed Standard	2.19% fixed	4.19%	3 Years fixed rate until 31.01.22	3.8% APRC	£999	10%	£ 400,000
5 Year Fixed Fee Saver	2.49% fixed	4.19%	5 Years fixed rate until 31.01.24	3.6% APRC	£0	10%	£ 400,000
5 Year Fixed Standard	2.39% fixed	4.19%	5 Years fixed rate until 31.01.24	3.6% APRC	£999	10%	£ 400,000

**90% Maximum Loan to Value (LTV)**
Mortgage	2 Year Fixed Fee Saver
Initial interest rate*	2.15% fixed
Followed by a Variable Rate, currently*	4.19%
Initial interest rate period	2 Years fixed rate until 31.01.21
Overall cost for comparison (APRC)*	3.9% APRC
Booking fee	£0
Annual overpayment allowance	10%
Maximum loan amount	£ 400,000

Mortgage	2 Year Fixed Standard
Initial interest rate*	1.79% fixed
Followed by a Variable Rate, currently*	4.19%
Initial interest rate period	2 Years fixed rate until 31.01.21
Overall cost for comparison (APRC)*	3.9% APRC
Booking fee	£999
Annual overpayment allowance	10%
Maximum loan amount	£ 400,000

Mortgage	3 Year Fixed Fee Saver
Initial interest rate*	2.35% fixed
Followed by a Variable Rate, currently*	4.19%
Initial interest rate period	3 Years fixed rate until 31.01.22
Overall cost for comparison (APRC)*	3.8% APRC
Booking fee	£0
Annual overpayment allowance	10%
Maximum loan amount	£ 400,000

Mortgage	3 Year Fixed Standard
Initial interest rate*	2.19% fixed
Followed by a Variable Rate, currently*	4.19%
Initial interest rate period	3 Years fixed rate until 31.01.22
Overall cost for comparison (APRC)*	3.8% APRC
Booking fee	£999
Annual overpayment allowance	10%
Maximum loan amount	£ 400,000

Mortgage	5 Year Fixed Fee Saver
Initial interest rate*	2.49% fixed
Followed by a Variable Rate, currently*	4.19%
Initial interest rate period	5 Years fixed rate until 31.01.24
Overall cost for comparison (APRC)*	3.6% APRC
Booking fee	£0
Annual overpayment allowance	10%
Maximum loan amount	£ 400,000

Mortgage	5 Year Fixed Standard
Initial interest rate*	2.39% fixed
Followed by a Variable Rate, currently*	4.19%
Initial interest rate period	5 Years fixed rate until 31.01.24
Overall cost for comparison (APRC)*	3.6% APRC
Booking fee	£999
Annual overpayment allowance	10%
Maximum loan amount	£ 400,000

**85% 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	2.09% fixed	4.19%	2 Years fixed rate until 31.01.21	3.9% APRC	£0	10%	£ 400,000
2 Year Fixed Standard	1.74% fixed	4.19%	2 Years fixed rate until 31.01.21	3.9% APRC	£999	10%	£ 400,000
3 Year Fixed Fee Saver	2.25% fixed	4.19%	3 Years fixed rate until 31.01.22	3.8% APRC	£0	10%	£ 400,000
3 Year Fixed Standard	2.04% fixed	4.19%	3 Years fixed rate until 31.01.22	3.8% APRC	£999	10%	£ 400,000
5 Year Fixed Fee Saver	2.39% fixed	4.19%	5 Years fixed rate until 31.01.24	3.5% APRC	£0	10%	£ 400,000
5 Year Fixed Standard	2.25% fixed	4.19%	5 Years fixed rate until 31.01.24	3.5% APRC	£999	10%	£ 400,000

**85% Maximum Loan to Value (LTV)**
Mortgage	2 Year Fixed Fee Saver
Initial interest rate*	2.09% fixed
Followed by a Variable Rate, currently*	4.19%
Initial interest rate period	2 Years fixed rate until 31.01.21
Overall cost for comparison (APRC)*	3.9% APRC
Booking fee	£0
Annual overpayment allowance	10%
Maximum loan amount	£ 400,000

Mortgage	2 Year Fixed Standard
Initial interest rate*	1.74% fixed
Followed by a Variable Rate, currently*	4.19%
Initial interest rate period	2 Years fixed rate until 31.01.21
Overall cost for comparison (APRC)*	3.9% APRC
Booking fee	£999
Annual overpayment allowance	10%
Maximum loan amount	£ 400,000

Mortgage	3 Year Fixed Fee Saver
Initial interest rate*	2.25% fixed
Followed by a Variable Rate, currently*	4.19%
Initial interest rate period	3 Years fixed rate until 31.01.22
Overall cost for comparison (APRC)*	3.8% APRC
Booking fee	£0
Annual overpayment allowance	10%
Maximum loan amount	£ 400,000

Mortgage	3 Year Fixed Standard
Initial interest rate*	2.04% fixed
Followed by a Variable Rate, currently*	4.19%
Initial interest rate period	3 Years fixed rate until 31.01.22
Overall cost for comparison (APRC)*	3.8% APRC
Booking fee	£999
Annual overpayment allowance	10%
Maximum loan amount	£ 400,000

Mortgage	5 Year Fixed Fee Saver
Initial interest rate*	2.39% fixed
Followed by a Variable Rate, currently*	4.19%
Initial interest rate period	5 Years fixed rate until 31.01.24
Overall cost for comparison (APRC)*	3.5% APRC
Booking fee	£0
Annual overpayment allowance	10%
Maximum loan amount	£ 400,000

Mortgage	5 Year Fixed Standard
Initial interest rate*	2.25% fixed
Followed by a Variable Rate, currently*	4.19%
Initial interest rate period	5 Years fixed rate until 31.01.24
Overall cost for comparison (APRC)*	3.5% APRC
Booking fee	£999
Annual overpayment allowance	10%
Maximum loan amount	£ 400,000

**80% 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	2.09% fixed	4.19%	2 Years fixed rate until 31.01.21	3.9% APRC	£0	10%	£ 1,000,000
2 Year Fixed Standard	1.74% fixed	4.19%	2 Years fixed rate until 31.01.21	3.9% APRC	£999	10%	£ 1,000,000
3 Year Fixed Fee Saver	2.19% fixed	4.19%	3 Years fixed rate until 31.01.22	3.7% APRC	£0	10%	£ 1,000,000
3 Year Fixed Standard	1.99% fixed	4.19%	3 Years fixed rate until 31.01.22	3.8% APRC	£999	10%	£ 1,000,000
5 Year Fixed Fee Saver	2.39% fixed	4.19%	5 Years fixed rate until 31.01.24	3.5% APRC	£0	10%	£ 1,000,000
5 Year Fixed Standard	2.19% fixed	4.19%	5 Years fixed rate until 31.01.24	3.5% APRC	£999	10%	£ 1,000,000
10 Year Fixed Fee Saver	2.99% fixed	4.19%	10 Years fixed rate until 31.01.29	3.4% APRC	£0	10%	£ 1,000,000

**80% Maximum Loan to Value (LTV)**
Mortgage	2 Year Fixed Fee Saver
Initial interest rate*	2.09% fixed
Followed by a Variable Rate, currently*	4.19%
Initial interest rate period	2 Years fixed rate until 31.01.21
Overall cost for comparison (APRC)*	3.9% APRC
Booking fee	£0
Annual overpayment allowance	10%
Maximum loan amount	£ 1,000,000

Mortgage	2 Year Fixed Standard
Initial interest rate*	1.74% fixed
Followed by a Variable Rate, currently*	4.19%
Initial interest rate period	2 Years fixed rate until 31.01.21
Overall cost for comparison (APRC)*	3.9% APRC
Booking fee	£999
Annual overpayment allowance	10%
Maximum loan amount	£ 1,000,000

Mortgage	3 Year Fixed Fee Saver
Initial interest rate*	2.19% fixed
Followed by a Variable Rate, currently*	4.19%
Initial interest rate period	3 Years fixed rate until 31.01.22
Overall cost for comparison (APRC)*	3.7% APRC
Booking fee	£0
Annual overpayment allowance	10%
Maximum loan amount	£ 1,000,000

Mortgage	3 Year Fixed Standard
Initial interest rate*	1.99% fixed
Followed by a Variable Rate, currently*	4.19%
Initial interest rate period	3 Years fixed rate until 31.01.22
Overall cost for comparison (APRC)*	3.8% APRC
Booking fee	£999
Annual overpayment allowance	10%
Maximum loan amount	£ 1,000,000

Mortgage	5 Year Fixed Fee Saver
Initial interest rate*	2.39% fixed
Followed by a Variable Rate, currently*	4.19%
Initial interest rate period	5 Years fixed rate until 31.01.24
Overall cost for comparison (APRC)*	3.5% APRC
Booking fee	£0
Annual overpayment allowance	10%
Maximum loan amount	£ 1,000,000

Mortgage	5 Year Fixed Standard
Initial interest rate*	2.19% fixed
Followed by a Variable Rate, currently*	4.19%
Initial interest rate period	5 Years fixed rate until 31.01.24
Overall cost for comparison (APRC)*	3.5% APRC
Booking fee	£999
Annual overpayment allowance	10%
Maximum loan amount	£ 1,000,000

Mortgage	10 Year Fixed Fee Saver
Initial interest rate*	2.99% fixed
Followed by a Variable Rate, currently*	4.19%
Initial interest rate period	10 Years fixed rate until 31.01.29
Overall cost for comparison (APRC)*	3.4% APRC
Booking fee	£0
Annual overpayment allowance	10%
Maximum loan amount	£ 1,000,000

**75% 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	1.95% fixed	4.19%	2 Years fixed rate until 31.01.21	3.9% APRC	£0	10%	£ 2,000,000
2 Year Fixed Standard	1.64% fixed	4.19%	2 Years fixed rate until 31.01.21	3.9% APRC	£999	10%	£ 2,000,000
2 Year Fixed Standard Buy To Let	2.54% fixed	5.25%	2 Years fixed rate until 31.01.21	4.9% APRC	£349	10%	£ 1,000,000
2 Year Fixed Standard Buy To Let	2.04% fixed	5.25%	2 Years fixed rate until 31.01.21	5% APRC	£1999	10%	£ 1,000,000
3 Year Fixed Fee Saver	2.05% fixed	4.19%	3 Years fixed rate until 31.01.22	3.7% APRC	£0	10%	£ 2,000,000
3 Year Fixed Standard	1.75% fixed	4.19%	3 Years fixed rate until 31.01.22	3.7% APRC	£999	10%	£ 2,000,000
5 Year Fixed Fee Saver	2.19% fixed	4.19%	5 Years fixed rate until 31.01.24	3.5% APRC	£0	10%	£ 2,000,000
5 Year Fixed Standard	1.99% fixed	4.19%	5 Years fixed rate until 31.01.24	3.4% APRC	£999	10%	£ 2,000,000
5 Year Fixed Standard Buy To Let	3.09% fixed	5.25%	5 Years fixed rate until 31.01.24	4.5% APRC	£349	10%	£ 1,000,000
5 Year Fixed Standard Buy To Let	2.79% fixed	5.25%	5 Years fixed rate until 31.01.24	4.6% APRC	£1999	10%	£ 1,000,000
10 Year Fixed Fee Saver	2.59% fixed	4.19%	10 Years fixed rate until 31.01.29	3.2% APRC	£0	10%	£ 2,000,000

**75% Maximum Loan to Value (LTV)**
Mortgage	2 Year Fixed Fee Saver
Initial interest rate*	1.95% fixed
Followed by a Variable Rate, currently*	4.19%
Initial interest rate period	2 Years fixed rate until 31.01.21
Overall cost for comparison (APRC)*	3.9% APRC
Booking fee	£0
Annual overpayment allowance	10%
Maximum loan amount	£ 2,000,000

Mortgage	2 Year Fixed Standard
Initial interest rate*	1.64% fixed
Followed by a Variable Rate, currently*	4.19%
Initial interest rate period	2 Years fixed rate until 31.01.21
Overall cost for comparison (APRC)*	3.9% APRC
Booking fee	£999
Annual overpayment allowance	10%
Maximum loan amount	£ 2,000,000

Mortgage	2 Year Fixed Standard Buy To Let
Initial interest rate*	2.54% fixed
Followed by a Variable Rate, currently*	5.25%
Initial interest rate period	2 Years fixed rate until 31.01.21
Overall cost for comparison (APRC)*	4.9% APRC
Booking fee	£349
Annual overpayment allowance	10%
Maximum loan amount	£ 1,000,000

Mortgage	2 Year Fixed Standard Buy To Let
Initial interest rate*	2.04% fixed
Followed by a Variable Rate, currently*	5.25%
Initial interest rate period	2 Years fixed rate until 31.01.21
Overall cost for comparison (APRC)*	5% APRC
Booking fee	£1999
Annual overpayment allowance	10%
Maximum loan amount	£ 1,000,000

Mortgage	3 Year Fixed Fee Saver
Initial interest rate*	2.05% fixed
Followed by a Variable Rate, currently*	4.19%
Initial interest rate period	3 Years fixed rate until 31.01.22
Overall cost for comparison (APRC)*	3.7% APRC
Booking fee	£0
Annual overpayment allowance	10%
Maximum loan amount	£ 2,000,000

Mortgage	3 Year Fixed Standard
Initial interest rate*	1.75% fixed
Followed by a Variable Rate, currently*	4.19%
Initial interest rate period	3 Years fixed rate until 31.01.22
Overall cost for comparison (APRC)*	3.7% APRC
Booking fee	£999
Annual overpayment allowance	10%
Maximum loan amount	£ 2,000,000

Mortgage	5 Year Fixed Fee Saver
Initial interest rate*	2.19% fixed
Followed by a Variable Rate, currently*	4.19%
Initial interest rate period	5 Years fixed rate until 31.01.24
Overall cost for comparison (APRC)*	3.5% APRC
Booking fee	£0
Annual overpayment allowance	10%
Maximum loan amount	£ 2,000,000

Mortgage	5 Year Fixed Standard
Initial interest rate*	1.99% fixed
Followed by a Variable Rate, currently*	4.19%
Initial interest rate period	5 Years fixed rate until 31.01.24
Overall cost for comparison (APRC)*	3.4% APRC
Booking fee	£999
Annual overpayment allowance	10%
Maximum loan amount	£ 2,000,000

Mortgage	5 Year Fixed Standard Buy To Let
Initial interest rate*	3.09% fixed
Followed by a Variable Rate, currently*	5.25%
Initial interest rate period	5 Years fixed rate until 31.01.24
Overall cost for comparison (APRC)*	4.5% APRC
Booking fee	£349
Annual overpayment allowance	10%
Maximum loan amount	£ 1,000,000

Mortgage	5 Year Fixed Standard Buy To Let
Initial interest rate*	2.79% fixed
Followed by a Variable Rate, currently*	5.25%
Initial interest rate period	5 Years fixed rate until 31.01.24
Overall cost for comparison (APRC)*	4.6% APRC
Booking fee	£1999
Annual overpayment allowance	10%
Maximum loan amount	£ 1,000,000

Mortgage	10 Year Fixed Fee Saver
Initial interest rate*	2.59% fixed
Followed by a Variable Rate, currently*	4.19%
Initial interest rate period	10 Years fixed rate until 31.01.29
Overall cost for comparison (APRC)*	3.2% APRC
Booking fee	£0
Annual overpayment allowance	10%
Maximum loan amount	£ 2,000,000

**70% 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	1.95% fixed	4.19%	2 Years fixed rate until 31.01.21	3.9% APRC	£0	10%	£ 3,000,000
2 Year Fixed Standard	1.64% fixed	4.19%	2 Years fixed rate until 31.01.21	3.9% APRC	£999	10%	£ 3,000,000
2 Year Fixed Premier Standard	1.59% fixed	4.19%	2 Years fixed rate until 31.01.21	3.9% APRC	£1499	10%	£ 3,000,000
3 Year Fixed Fee Saver	2.05% fixed	4.19%	3 Years fixed rate until 31.01.22	3.7% APRC	£0	10%	£ 3,000,000
3 Year Fixed Standard	1.75% fixed	4.19%	3 Years fixed rate until 31.01.22	3.7% APRC	£999	10%	£ 3,000,000
3 Year Fixed Premier Standard	1.72% fixed	4.19%	3 Years fixed rate until 31.01.22	3.7% APRC	£1499	10%	£ 3,000,000
5 Year Fixed Fee Saver	2.19% fixed	4.19%	5 Years fixed rate until 31.01.24	3.5% APRC	£0	10%	£ 3,000,000
5 Year Fixed Standard	1.99% fixed	4.19%	5 Years fixed rate until 31.01.24	3.4% APRC	£999	10%	£ 3,000,000
5 Year Fixed Premier Standard	1.96% fixed	4.19%	5 Years fixed rate until 31.01.24	3.5% APRC	£1499	10%	£ 3,000,000
10 Year Fixed Fee Saver	2.59% fixed	4.19%	10 Years fixed rate until 31.01.29	3.2% APRC	£0	10%	£ 3,000,000

**70% Maximum Loan to Value (LTV)**
Mortgage	2 Year Fixed Fee Saver
Initial interest rate*	1.95% fixed
Followed by a Variable Rate, currently*	4.19%
Initial interest rate period	2 Years fixed rate until 31.01.21
Overall cost for comparison (APRC)*	3.9% APRC
Booking fee	£0
Annual overpayment allowance	10%
Maximum loan amount	£ 3,000,000

Mortgage	2 Year Fixed Standard
Initial interest rate*	1.64% fixed
Followed by a Variable Rate, currently*	4.19%
Initial interest rate period	2 Years fixed rate until 31.01.21
Overall cost for comparison (APRC)*	3.9% APRC
Booking fee	£999
Annual overpayment allowance	10%
Maximum loan amount	£ 3,000,000

Mortgage	2 Year Fixed Premier Standard
Initial interest rate*	1.59% fixed
Followed by a Variable Rate, currently*	4.19%
Initial interest rate period	2 Years fixed rate until 31.01.21
Overall cost for comparison (APRC)*	3.9% APRC
Booking fee	£1499
Annual overpayment allowance	10%
Maximum loan amount	£ 3,000,000

Mortgage	3 Year Fixed Fee Saver
Initial interest rate*	2.05% fixed
Followed by a Variable Rate, currently*	4.19%
Initial interest rate period	3 Years fixed rate until 31.01.22
Overall cost for comparison (APRC)*	3.7% APRC
Booking fee	£0
Annual overpayment allowance	10%
Maximum loan amount	£ 3,000,000

Mortgage	3 Year Fixed Standard
Initial interest rate*	1.75% fixed
Followed by a Variable Rate, currently*	4.19%
Initial interest rate period	3 Years fixed rate until 31.01.22
Overall cost for comparison (APRC)*	3.7% APRC
Booking fee	£999
Annual overpayment allowance	10%
Maximum loan amount	£ 3,000,000

Mortgage	3 Year Fixed Premier Standard
Initial interest rate*	1.72% fixed
Followed by a Variable Rate, currently*	4.19%
Initial interest rate period	3 Years fixed rate until 31.01.22
Overall cost for comparison (APRC)*	3.7% APRC
Booking fee	£1499
Annual overpayment allowance	10%
Maximum loan amount	£ 3,000,000

Mortgage	5 Year Fixed Fee Saver
Initial interest rate*	2.19% fixed
Followed by a Variable Rate, currently*	4.19%
Initial interest rate period	5 Years fixed rate until 31.01.24
Overall cost for comparison (APRC)*	3.5% APRC
Booking fee	£0
Annual overpayment allowance	10%
Maximum loan amount	£ 3,000,000

Mortgage	5 Year Fixed Standard
Initial interest rate*	1.99% fixed
Followed by a Variable Rate, currently*	4.19%
Initial interest rate period	5 Years fixed rate until 31.01.24
Overall cost for comparison (APRC)*	3.4% APRC
Booking fee	£999
Annual overpayment allowance	10%
Maximum loan amount	£ 3,000,000

Mortgage	5 Year Fixed Premier Standard
Initial interest rate*	1.96% fixed
Followed by a Variable Rate, currently*	4.19%
Initial interest rate period	5 Years fixed rate until 31.01.24
Overall cost for comparison (APRC)*	3.5% APRC
Booking fee	£1499
Annual overpayment allowance	10%
Maximum loan amount	£ 3,000,000

Mortgage	10 Year Fixed Fee Saver
Initial interest rate*	2.59% fixed
Followed by a Variable Rate, currently*	4.19%
Initial interest rate period	10 Years fixed rate until 31.01.29
Overall cost for comparison (APRC)*	3.2% APRC
Booking fee	£0
Annual overpayment allowance	10%
Maximum loan amount	£ 3,000,000

**65% 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 Standard Buy To Let	2.39% fixed	5.25%	2 Years fixed rate until 31.01.21	4.9% APRC	£349	10%	£ 2,000,000
2 Year Fixed Standard Buy To Let	1.89% fixed	5.25%	2 Years fixed rate until 31.01.21	5% APRC	£1999	10%	£ 2,000,000
5 Year Fixed Standard Buy To Let	2.84% fixed	5.25%	5 Years fixed rate until 31.01.24	4.4% APRC	£349	10%	£ 2,000,000
5 Year Fixed Standard Buy To Let	2.59% fixed	5.25%	5 Years fixed rate until 31.01.24	4.5% APRC	£1999	10%	£ 2,000,000

**65% Maximum Loan to Value (LTV)**
Mortgage	2 Year Fixed Standard Buy To Let
Initial interest rate*	2.39% fixed
Followed by a Variable Rate, currently*	5.25%
Initial interest rate period	2 Years fixed rate until 31.01.21
Overall cost for comparison (APRC)*	4.9% APRC
Booking fee	£349
Annual overpayment allowance	10%
Maximum loan amount	£ 2,000,000

Mortgage	2 Year Fixed Standard Buy To Let
Initial interest rate*	1.89% fixed
Followed by a Variable Rate, currently*	5.25%
Initial interest rate period	2 Years fixed rate until 31.01.21
Overall cost for comparison (APRC)*	5% APRC
Booking fee	£1999
Annual overpayment allowance	10%
Maximum loan amount	£ 2,000,000

Mortgage	5 Year Fixed Standard Buy To Let
Initial interest rate*	2.84% fixed
Followed by a Variable Rate, currently*	5.25%
Initial interest rate period	5 Years fixed rate until 31.01.24
Overall cost for comparison (APRC)*	4.4% APRC
Booking fee	£349
Annual overpayment allowance	10%
Maximum loan amount	£ 2,000,000

Mortgage	5 Year Fixed Standard Buy To Let
Initial interest rate*	2.59% fixed
Followed by a Variable Rate, currently*	5.25%
Initial interest rate period	5 Years fixed rate until 31.01.24
Overall cost for comparison (APRC)*	4.5% APRC
Booking fee	£1999
Annual overpayment allowance	10%
Maximum loan amount	£ 2,000,000

**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	1.89% fixed	4.19%	2 Years fixed rate until 31.01.21	3.9% APRC	£0	10%	£ 5,000,000
2 Year Fixed Standard	1.59% fixed	4.19%	2 Years fixed rate until 31.01.21	3.9% APRC	£999	10%	£ 5,000,000
2 Year Fixed Premier Standard	1.54% fixed	4.19%	2 Years fixed rate until 31.01.21	3.9% APRC	£1499	10%	£ 5,000,000
2 Year Fixed Standard Buy To Let	2.19% fixed	5.25%	2 Years fixed rate until 31.01.21	4.8% APRC	£349	10%	£ 2,000,000
2 Year Fixed Standard Buy To Let	1.69% fixed	5.25%	2 Years fixed rate until 31.01.21	4.9% APRC	£1999	10%	£ 2,000,000
3 Year Fixed Fee Saver	2.05% fixed	4.19%	3 Years fixed rate until 31.01.22	3.7% APRC	£0	10%	£ 5,000,000
3 Year Fixed Standard	1.69% fixed	4.19%	3 Years fixed rate until 31.01.22	3.7% APRC	£999	10%	£ 5,000,000
3 Year Fixed Premier Standard	1.66% fixed	4.19%	3 Years fixed rate until 31.01.22	3.7% APRC	£1499	10%	£ 5,000,000
5 Year Fixed Fee Saver	2.15% fixed	4.19%	5 Years fixed rate until 31.01.24	3.4% APRC	£0	10%	£ 5,000,000
5 Year Fixed Standard	1.95% fixed	4.19%	5 Years fixed rate until 31.01.24	3.4% APRC	£999	10%	£ 5,000,000
5 Year Fixed Premier Standard	1.92% fixed	4.19%	5 Years fixed rate until 31.01.24	3.4% APRC	£1499	10%	£ 5,000,000
5 Year Fixed Standard Buy To Let	2.74% fixed	5.25%	5 Years fixed rate until 31.01.24	4.4% APRC	£349	10%	£ 2,000,000
5 Year Fixed Standard Buy To Let	2.49% fixed	5.25%	5 Years fixed rate until 31.01.24	4.4% APRC	£1999	10%	£ 2,000,000
10 Year Fixed Fee Saver	2.49% fixed	4.19%	10 Years fixed rate until 31.01.29	3.1% APRC	£0	10%	£ 5,000,000

**60% Maximum Loan to Value (LTV)**
Mortgage	2 Year Fixed Fee Saver
Initial interest rate*	1.89% fixed
Followed by a Variable Rate, currently*	4.19%
Initial interest rate period	2 Years fixed rate until 31.01.21
Overall cost for comparison (APRC)*	3.9% APRC
Booking fee	£0
Annual overpayment allowance	10%
Maximum loan amount	£ 5,000,000

Mortgage	2 Year Fixed Standard
Initial interest rate*	1.59% fixed
Followed by a Variable Rate, currently*	4.19%
Initial interest rate period	2 Years fixed rate until 31.01.21
Overall cost for comparison (APRC)*	3.9% APRC
Booking fee	£999
Annual overpayment allowance	10%
Maximum loan amount	£ 5,000,000

Mortgage	2 Year Fixed Premier Standard
Initial interest rate*	1.54% fixed
Followed by a Variable Rate, currently*	4.19%
Initial interest rate period	2 Years fixed rate until 31.01.21
Overall cost for comparison (APRC)*	3.9% APRC
Booking fee	£1499
Annual overpayment allowance	10%
Maximum loan amount	£ 5,000,000

Mortgage	2 Year Fixed Standard Buy To Let
Initial interest rate*	2.19% fixed
Followed by a Variable Rate, currently*	5.25%
Initial interest rate period	2 Years fixed rate until 31.01.21
Overall cost for comparison (APRC)*	4.8% APRC
Booking fee	£349
Annual overpayment allowance	10%
Maximum loan amount	£ 2,000,000

Mortgage	2 Year Fixed Standard Buy To Let
Initial interest rate*	1.69% fixed
Followed by a Variable Rate, currently*	5.25%
Initial interest rate period	2 Years fixed rate until 31.01.21
Overall cost for comparison (APRC)*	4.9% APRC
Booking fee	£1999
Annual overpayment allowance	10%
Maximum loan amount	£ 2,000,000

Mortgage	3 Year Fixed Fee Saver
Initial interest rate*	2.05% fixed
Followed by a Variable Rate, currently*	4.19%
Initial interest rate period	3 Years fixed rate until 31.01.22
Overall cost for comparison (APRC)*	3.7% APRC
Booking fee	£0
Annual overpayment allowance	10%
Maximum loan amount	£ 5,000,000

Mortgage	3 Year Fixed Standard
Initial interest rate*	1.69% fixed
Followed by a Variable Rate, currently*	4.19%
Initial interest rate period	3 Years fixed rate until 31.01.22
Overall cost for comparison (APRC)*	3.7% APRC
Booking fee	£999
Annual overpayment allowance	10%
Maximum loan amount	£ 5,000,000

Mortgage	3 Year Fixed Premier Standard
Initial interest rate*	1.66% fixed
Followed by a Variable Rate, currently*	4.19%
Initial interest rate period	3 Years fixed rate until 31.01.22
Overall cost for comparison (APRC)*	3.7% APRC
Booking fee	£1499
Annual overpayment allowance	10%
Maximum loan amount	£ 5,000,000

Mortgage	5 Year Fixed Fee Saver
Initial interest rate*	2.15% fixed
Followed by a Variable Rate, currently*	4.19%
Initial interest rate period	5 Years fixed rate until 31.01.24
Overall cost for comparison (APRC)*	3.4% APRC
Booking fee	£0
Annual overpayment allowance	10%
Maximum loan amount	£ 5,000,000

Mortgage	5 Year Fixed Standard
Initial interest rate*	1.95% fixed
Followed by a Variable Rate, currently*	4.19%
Initial interest rate period	5 Years fixed rate until 31.01.24
Overall cost for comparison (APRC)*	3.4% APRC
Booking fee	£999
Annual overpayment allowance	10%
Maximum loan amount	£ 5,000,000

Mortgage	5 Year Fixed Premier Standard
Initial interest rate*	1.92% fixed
Followed by a Variable Rate, currently*	4.19%
Initial interest rate period	5 Years fixed rate until 31.01.24
Overall cost for comparison (APRC)*	3.4% APRC
Booking fee	£1499
Annual overpayment allowance	10%
Maximum loan amount	£ 5,000,000

Mortgage	5 Year Fixed Standard Buy To Let
Initial interest rate*	2.74% fixed
Followed by a Variable Rate, currently*	5.25%
Initial interest rate period	5 Years fixed rate until 31.01.24
Overall cost for comparison (APRC)*	4.4% APRC
Booking fee	£349
Annual overpayment allowance	10%
Maximum loan amount	£ 2,000,000

Mortgage	5 Year Fixed Standard Buy To Let
Initial interest rate*	2.49% fixed
Followed by a Variable Rate, currently*	5.25%
Initial interest rate period	5 Years fixed rate until 31.01.24
Overall cost for comparison (APRC)*	4.4% APRC
Booking fee	£1999
Annual overpayment allowance	10%
Maximum loan amount	£ 2,000,000

Mortgage	10 Year Fixed Fee Saver
Initial interest rate*	2.49% fixed
Followed by a Variable Rate, currently*	4.19%
Initial interest rate period	10 Years fixed rate until 31.01.29
Overall cost for comparison (APRC)*	3.1% APRC
Booking fee	£0
Annual overpayment allowance	10%
Maximum loan amount	£ 5,000,000

Tracker mortgages

**90% 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	2.09% variable	4.19%	2 Years	4% APRC	£999	£ 400,000

**90% Maximum Loan to Value (LTV)**
Mortgage	2 Year Term Tracker Standard
Initial interest rate*	2.09% variable
Followed by a variable rate, currently*	4.19%
Initial interest rate period*	2 Years
Overall cost for comparison (APRC)*	4% APRC
Booking fee*	£999
Maximum loan amount	£ 400,000

**85% 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	1.94% variable	4.19%	2 Years	3.9% APRC	£999	£ 400,000

**85% Maximum Loan to Value (LTV)**
Mortgage	2 Year Term Tracker Standard
Initial interest rate*	1.94% variable
Followed by a variable rate, currently*	4.19%
Initial interest rate period*	2 Years
Overall cost for comparison (APRC)*	3.9% APRC
Booking fee*	£999
Maximum loan amount	£ 400,000

**80% 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	1.79% variable	4.19%	2 Years	3.9% APRC	£999	£ 1,000,000

**80% Maximum Loan to Value (LTV)**
Mortgage	2 Year Term Tracker Standard
Initial interest rate*	1.79% variable
Followed by a variable rate, currently*	4.19%
Initial interest rate period*	2 Years
Overall cost for comparison (APRC)*	3.9% APRC
Booking fee*	£999
Maximum loan amount	£ 1,000,000

**75% 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	1.59% variable	4.19%	2 Years	3.9% APRC	£999	£ 2,000,000
2 Year Term Tracker Standard Buy To Let	2.94% variable	5.25%	2 Years	4.9% APRC	£349	£ 1,000,000
2 Year Term Tracker Standard Buy To Let	2.44% variable	5.25%	2 Years	5% APRC	£1999	£ 1,000,000

**75% Maximum Loan to Value (LTV)**
Mortgage	2 Year Term Tracker Standard
Initial interest rate*	1.59% variable
Followed by a variable rate, currently*	4.19%
Initial interest rate period*	2 Years
Overall cost for comparison (APRC)*	3.9% APRC
Booking fee*	£999
Maximum loan amount	£ 2,000,000

Mortgage	2 Year Term Tracker Standard Buy To Let
Initial interest rate*	2.94% variable
Followed by a variable rate, currently*	5.25%
Initial interest rate period*	2 Years
Overall cost for comparison (APRC)*	4.9% APRC
Booking fee*	£349
Maximum loan amount	£ 1,000,000

Mortgage	2 Year Term Tracker Standard Buy To Let
Initial interest rate*	2.44% variable
Followed by a variable rate, currently*	5.25%
Initial interest rate period*	2 Years
Overall cost for comparison (APRC)*	5% APRC
Booking fee*	£1999
Maximum loan amount	£ 1,000,000

**70% 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	1.59% variable	4.19%	2 Years	3.9% APRC	£999	£ 3,000,000

**70% Maximum Loan to Value (LTV)**
Mortgage	2 Year Term Tracker Standard
Initial interest rate*	1.59% variable
Followed by a variable rate, currently*	4.19%
Initial interest rate period*	2 Years
Overall cost for comparison (APRC)*	3.9% APRC
Booking fee*	£999
Maximum loan amount	£ 3,000,000

**65% 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 Buy To Let	2.79% variable	5.25%	2 Years	4.9% APRC	£349	£ 2,000,000
2 Year Term Tracker Standard Buy To Let	2.29% variable	5.25%	2 Years	5% APRC	£1999	£ 2,000,000

**65% Maximum Loan to Value (LTV)**
Mortgage	2 Year Term Tracker Standard Buy To Let
Initial interest rate*	2.79% variable
Followed by a variable rate, currently*	5.25%
Initial interest rate period*	2 Years
Overall cost for comparison (APRC)*	4.9% APRC
Booking fee*	£349
Maximum loan amount	£ 2,000,000

Mortgage	2 Year Term Tracker Standard Buy To Let
Initial interest rate*	2.29% variable
Followed by a variable rate, currently*	5.25%
Initial interest rate period*	2 Years
Overall cost for comparison (APRC)*	5% APRC
Booking fee*	£1999
Maximum loan amount	£ 2,000,000

**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	1.44% variable	4.19%	2 Years	3.8% APRC	£999	£ 5,000,000
2 Year Term Tracker Standard Buy To Let	2.59% variable	5.25%	2 Years	4.9% APRC	£349	£ 2,000,000
2 Year Term Tracker Standard Buy To Let	2.09% variable	5.25%	2 Years	5% APRC	£1999	£ 2,000,000

**60% Maximum Loan to Value (LTV)**
Mortgage	2 Year Term Tracker Standard
Initial interest rate*	1.44% variable
Followed by a variable rate, currently*	4.19%
Initial interest rate period*	2 Years
Overall cost for comparison (APRC)*	3.8% APRC
Booking fee*	£999
Maximum loan amount	£ 5,000,000

Mortgage	2 Year Term Tracker Standard Buy To Let
Initial interest rate*	2.59% variable
Followed by a variable rate, currently*	5.25%
Initial interest rate period*	2 Years
Overall cost for comparison (APRC)*	4.9% APRC
Booking fee*	£349
Maximum loan amount	£ 2,000,000

Mortgage	2 Year Term Tracker Standard Buy To Let
Initial interest rate*	2.09% variable
Followed by a variable rate, currently*	5.25%
Initial interest rate period*	2 Years
Overall cost for comparison (APRC)*	5% APRC
Booking fee*	£1999
Maximum loan amount	£ 2,000,000

*Confused by these terms? Check our Jargon Buster Opens in overlay

Early Repayment Charges

An Early Repayment Charge (ERC) applies to fixed rate mortgages. The ERC is calculated as 1% of the amount repaid early, above any annual overpayment allowance, for each remaining year of the period during which the ERC applies, reducing on a daily basis. However, (after taking your allowance into account) a maximum 5% of your overpayment will be charged.
Pay your mortgage off early: An ERC is a charge you may have to pay if you repay the whole or part of your mortgage early. The ERC also applies if you switch your mortgage rate to another HSBC mortgage product.
You'll have an annual overpayment allowance (AOA) to enable you to make additional payments during the fixed rate period without incurring an early repayment charge. The allowance is equivalent to 10% of the outstanding balance of your mortgage calculated on each anniversary of the start of your fixed rate period. Anything over this will incur an early repayment charge.

Your mortgage illustration

This information does not contain all of the details you need, so remember to read your individual mortgage illustration before you choose a mortgage. To get your illustration, use Find and Compare, where you’ll have an option to generate an illustration for any of the mortgages shown.

Your mortgage illustration sets out the details of all associated rates and fees for a mortgage product. This is in the same format for all lenders to enable customers to easily compare products.

Find and Compare This link will open in a new window

Standard variable rate:

Our current standard variable rate for residential mortgages (which is referred to either as the HSBC Variable Rate or the HSBC Standard Variable Rate) is 4.19% and for Buy to Let mortgages (which is referred to as either the HSBC Buy to Let Variable Rate or as the HSBC Standard Variable Buy to Let Rate) is 5.25%, effective from 1st September 2018. These rates only apply when a fixed or tracker rate no longer applies.

Representative Example

A repayment mortgage of £159,575 payable over 30 years initially on a fixed rate for 2 years at 3.34% and then on our current variable rate of 4.19% (variable) for the remaining 28 years would require 24 monthly payments of £702.67 and 335 monthly payments of £775.50, plus one final payment of £777.66.

The total amount payable would be £277,434.24 made up of the loan amount plus interest (£117,859.24).

In this example, the overall cost for comparison is 4.2% 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.

How to apply

New Application

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

Apply

Already started an application?

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

Continue

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.

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