In line with the government's Mortgage Charter, HSBC can now offer more options to help mortgage customers through the cost of living crisis.
Find the best mortgage rate for you
Existing customer rates
Already got an HSBC mortgage? Switch to a new rate for your home or buy-to-let property, or borrow more for your current home.
Remortgage rates
If you're new to HSBC, you could remortgage to us from another lender to find a more suitable deal, whether you’re borrowing the same or want to borrow more.
First-time buyer rates
Check out our latest rates if you're looking to buy your first home.
Moving home rates
If you're moving home, you could transfer your mortgage to a new rate or borrow more.
Buy-to-let rates
View our latest rates if you're looking for a mortgage, or to remortgage a buy-to-let property from another provider.
High-value mortgage rates
If you want to apply for a mortgage where your total borrowing is over £2 million, view our latest rates. You can also book an appointment to speak to one of our advisers.
Mortgages for energy-efficient homes
If your home, or a property you're thinking of buying, is energy efficient (EPC or PEA rating of A or B) you might qualify for cashback on the mortgage.
Think carefully before securing other debts against your home.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Ready to apply?
If you've started your application already, you can pick up where you left off or update it online at any time.
Need some help?
Give our dedicated mortgage specialists a call on:
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.
Moving home rates
We offer a range of award-winning mortgages, with our latest rates if you're moving home.
Special types of mortgages
If your home, or a property you're thinking of buying, is energy efficient (EPC or PEA rating of A or B) you might qualify for cashback on the mortgage. Find out more about mortgages for energy-efficient homes.
Looking for a residential loan for a single property where your total borrowing exposure with HSBC UK will be over £2 million? Take a look at our high-value mortgage rates.
Not a UK resident? 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.
If you're a foreign national who lives in the UK then the following rates will apply. Find out more about mortgages for foreign nationals who live in the UK.
Not moving home?
Go back to our rates.
Fixed-rate mortgages
A fixed-rate mortgage means that your payments will stay the same until the end date of the fixed-rate period, even if interest rates change.
| 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 |
4.22% |
6.74% |
2 Years fixed rate until 31.08.2027 |
6.40% APRC |
£0 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
2 Year Fixed Standard
|
3.99% |
6.74% |
2 Years fixed rate until 31.08.2027 |
6.50% APRC |
£999 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| 2 Year Fixed Premier Standard | 3.96% fixed |
6.74% | 2 Years fixed rate until 31.08.2027 | 6.50% APRC |
£999 | 10% | £0 | £ 2,000,000 | Get a decision in principle |
| 5 Year Fixed Fee Saver |
4.16% |
6.74% |
5 Years fixed rate until 31.08.2030 |
5.80% APRC |
£0 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| 5 Year Fixed Standard |
4.01% |
6.74% |
5 Years fixed rate until 31.08.2030 |
5.80% APRC |
£999 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| 5 Year Fixed Premier Standard | 3.98% |
6.74% |
5 Years fixed rate until 31.08.2030 |
5.80% APRC |
£999 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| Mortgage |
2 Year Fixed Fee Saver |
|---|---|
| Initial interest rate |
4.22% |
| Followed by a Variable Rate, currently |
6.74% |
| Initial interest rate period |
2 Years fixed rate until 31.08.2027 |
| Overall cost for comparison (APRC) |
6.40% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
| Get a decision in principle | |
| Mortgage |
2 Year Fixed Standard
|
| Initial interest rate |
3.99% |
| Followed by a Variable Rate, currently |
6.74% |
| Initial interest rate period |
2 Years fixed rate until 31.08.2027 |
| Overall cost for comparison (APRC) |
6.50% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
| Mortgage | 2 Year Fixed Premier Standard |
| Initial interest rate |
3.96% fixed |
| Followed by a Variable Rate, currently | 6.74% |
| Initial interest rate period | 2 Years fixed rate until 31.08.2027 |
| Overall cost for comparison (APRC) |
6.50% APRC |
| Booking fee | £999 |
| Annual overpayment allowance | 10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) | £ 2,000,000 |
| Get a decision in principle | |
| Mortgage |
5 Year Fixed Fee Saver |
| Initial interest rate |
4.16% |
| Followed by a Variable Rate, currently |
6.74% |
| Initial interest rate period |
5 Years fixed rate until 31.08.2030 |
| Overall cost for comparison (APRC) |
5.80% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Standard |
| Initial interest rate |
4.01% |
| Followed by a Variable Rate, currently |
6.74% |
| Initial interest rate period |
5 Years fixed rate until 31.08.2030 |
| Overall cost for comparison (APRC) |
5.80% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
| Mortgage | 5 Year Fixed Premier Standard |
| Initial interest rate |
3.98% |
| Followed by a Variable Rate, currently |
6.74% |
| Initial interest rate period |
5 Years fixed rate until 31.08.2030 |
| Overall cost for comparison (APRC) |
5.80% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
| 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 |
4.31% |
6.74% |
2 Years fixed rate until 31.08.2027 |
6.50% APRC |
£0 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| 2 Year Fixed Standard |
4.08% |
6.74% |
2 Years fixed rate until 31.08.2027 |
6.50% APRC |
£999 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| 2 Year Fixed Premier Standard | 4.03% fixed |
6.74% | 2 Years fixed rate until 31.08.2027 | 6.50% APRC |
£999 | 10% | £0 | £ 2,000,000 | Get a decision in principle |
| 5 Year Fixed Fee Saver |
4.28% |
6.74% |
5 Years fixed rate until 31.08.2030 |
5.80% APRC |
£0 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| 5 Year Fixed Standard |
4.18% |
6.74% |
5 Years fixed rate until 31.08.2030 |
5.90% APRC |
£999 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
5 Year Fixed Premier Standard |
4.13% |
|
5 Years fixed rate until 31.08.2030 |
5.90% APRC |
£999 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| Mortgage |
2 Year Fixed Fee Saver |
|---|---|
| Initial interest rate |
4.31% |
| Followed by a Variable Rate, currently |
6.74% |
| Initial interest rate period |
2 Years fixed rate until 31.08.2027 |
| Overall cost for comparison (APRC) |
6.50% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
| Mortgage |
2 Year Fixed Standard |
| Initial interest rate |
4.08% |
| Followed by a Variable Rate, currently |
6.74% |
| Initial interest rate period |
2 Years fixed rate until 31.08.2027 |
| Overall cost for comparison (APRC) |
6.50% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
| Mortgage | 2 Year Fixed Premier Standard |
| Initial interest rate |
4.03% fixed |
| Followed by a Variable Rate, currently | 6.74% |
| Initial interest rate period | 2 Years fixed rate until 31.08.2027 |
| Overall cost for comparison (APRC) |
6.50% APRC |
| Booking fee | £999 |
| Annual overpayment allowance | 10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) | £ 2,000,000 |
| Get a decision in principle | |
| Mortgage |
5 Year Fixed Fee Saver |
| Initial interest rate |
4.28% |
| Followed by a Variable Rate, currently |
6.74% |
| Initial interest rate period |
5 Years fixed rate until 31.08.2030 |
| Overall cost for comparison (APRC) |
5.80% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Standard |
| Initial interest rate |
4.18% |
| Followed by a Variable Rate, currently |
6.74% |
| Initial interest rate period |
5 Years fixed rate until 31.08.2030 |
| Overall cost for comparison (APRC) |
5.90% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Premier Standard |
| Initial interest rate |
4.13% |
| Followed by a Variable Rate, currently |
|
| Initial interest rate period |
5 Years fixed rate until 31.08.2030 |
| Overall cost for comparison (APRC) |
5.90% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
| 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 |
4.31% |
6.74% |
2 Years fixed rate until 31.08.2027 |
6.50% APRC |
£0 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| 2 Year Fixed Standard |
4.08% |
6.74% |
2 Years fixed rate until 31.08.2027 |
6.50% APRC |
£999 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| 2 Year Fixed Premier Standard | 4.03% fixed |
6.74% | 2 Years fixed rate until 31.08.2027 | 6.50% APRC |
£999 | 10% | £0 | £ 2,000,000 | Get a decision in principle |
| 5 Year Fixed Fee Saver |
4.28% |
6.74% |
5 Years fixed rate until 31.08.2030 |
5.80% APRC |
£0 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| 5 Year Fixed Standard |
4.18% |
6.74% |
5 Years fixed rate until 31.08.2030 |
5.90% APRC |
£999 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| 5 Year Fixed Premier Standard | 4.13% |
|
|
5.90%
|
£999 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| Mortgage |
2 Year Fixed Fee Saver |
|---|---|
| Initial interest rate |
4.31% |
| Followed by a Variable Rate, currently |
6.74% |
| Initial interest rate period |
2 Years fixed rate until 31.08.2027 |
| Overall cost for comparison (APRC) |
6.50% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
| Mortgage |
2 Year Fixed Standard |
| Initial interest rate |
4.08% |
| Followed by a Variable Rate, currently |
6.74% |
| Initial interest rate period |
2 Years fixed rate until 31.08.2027 |
| Overall cost for comparison (APRC) |
6.50% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
| Mortgage | 2 Year Fixed Premier Standard |
| Initial interest rate |
4.03% fixed |
| Followed by a Variable Rate, currently | 6.74% |
| Initial interest rate period | 2 Years fixed rate until 31.08.2027 |
| Overall cost for comparison (APRC) |
6.50% APRC |
| Booking fee | £999 |
| Annual overpayment allowance | 10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) | £ 2,000,000 |
| Get a decision in principle | |
| Mortgage |
5 Year Fixed Fee Saver |
| Initial interest rate |
4.28% |
| Followed by a Variable Rate, currently |
6.74% |
| Initial interest rate period |
5 Years fixed rate until 31.08.2030 |
| Overall cost for comparison (APRC) |
5.80% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Standard |
| Initial interest rate |
4.18% |
| Followed by a Variable Rate, currently |
6.74% |
| Initial interest rate period |
5 Years fixed rate until 31.08.2030 |
| Overall cost for comparison (APRC) |
5.90% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
| Mortgage | 5 Year Fixed Premier Standard |
| Initial interest rate |
4.13% |
| Followed by a Variable Rate, currently |
|
| Initial interest rate period |
|
| Overall cost for comparison (APRC) |
5.90%
|
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
| 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 |
4.53% |
6.74% |
2 Years fixed rate until 31.08.2027 |
6.50% APRC |
£0 |
10% |
£250 | £ 1,000,000 |
Get a decision in principle |
| 2 Year Fixed Standard |
4.30% |
6.74% |
2 Years fixed rate until 31.08.2027 |
6.50% APRC |
£999 |
10% |
£250 | £ 1,000,000 |
Get a decision in principle |
| 2 Year Fixed Premier Standard | 4.20% fixed |
6.74% | 2 Years fixed rate until 31.08.2027 | 6.50% APRC |
£999 | 10% | £0 | £ 1,000,000 | Get a decision in principle |
| 5 Year Fixed Fee Saver |
4.45% |
6.74% |
5 Years fixed rate until 31.08.2030 |
5.90% APRC |
£0 |
10% |
£350 | £ 1,000,000 |
Get a decision in principle |
| 5 Year Fixed Standard |
4.32% |
6.74% |
5 Years fixed rate until 31.08.2030 |
5.90% APRC |
£999 |
10% |
£350 | £ 1,000,000 |
Get a decision in principle |
| 5 Year Fixed Premier Standard | 4.22% |
|
|
5.90%
|
£999 |
10% |
£0 | £ 1,000,000 |
Get a decision in principle |
| Mortgage |
2 Year Fixed Fee Saver |
|---|---|
| Initial interest rate |
4.53% |
| Followed by a Variable Rate, currently |
6.74% |
| Initial interest rate period |
2 Years fixed rate until 31.08.2027 |
| Overall cost for comparison (APRC) |
6.50% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £250 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
|
Get a decision in principle |
|
| Mortgage |
2 Year Fixed Standard |
| Initial interest rate |
4.30% |
| Followed by a Variable Rate, currently |
6.74% |
| Initial interest rate period |
2 Years fixed rate until 31.08.2027 |
| Overall cost for comparison (APRC) |
6.50% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £250 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
|
Get a decision in principle |
|
| Mortgage | 2 Year Fixed Premier Standard |
| Initial interest rate |
4.20% fixed |
| Followed by a Variable Rate, currently | 6.74% |
| Initial interest rate period | 2 Years fixed rate until 31.08.2027 |
| Overall cost for comparison (APRC) |
6.50% APRC |
| Booking fee | £999 |
| Annual overpayment allowance | 10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) | £ 1,000,000 |
| Get a decision in principle | |
| Mortgage |
5 Year Fixed Fee Saver |
| Initial interest rate |
4.45% |
| Followed by a Variable Rate, currently |
6.74% |
| Initial interest rate period |
5 Years fixed rate until 31.08.2030 |
| Overall cost for comparison (APRC) |
5.90% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £350 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Standard |
| Initial interest rate |
4.32% |
| Followed by a Variable Rate, currently |
6.74% |
| Initial interest rate period |
5 Years fixed rate until 31.08.2030 |
| Overall cost for comparison (APRC) |
5.90% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £350 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
|
Get a decision in principle |
|
| Mortgage | 5 Year Fixed Premier Standard |
| Initial interest rate |
4.22% |
| Followed by a Variable Rate, currently |
|
| Initial interest rate period |
|
| Overall cost for comparison (APRC) |
5.90%
|
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
|
Get a decision in principle |
| 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 |
4.53% |
6.74% |
2 Years fixed rate until 31.08.2027 |
6.50% APRC |
£0 |
10% |
£250 | £ 750,000 |
Get a decision in principle |
| 2 Year Fixed Standard |
4.30% |
6.74% |
2 Years fixed rate until 31.08.2027 |
6.50% APRC |
£999 |
10% |
£250 | £ 750,000 |
Get a decision in principle |
| 2 Year Fixed Premier Standard | 4.20% fixed |
6.74% | 2 Years fixed rate until 31.08.2027 | 6.50% APRC |
£999 | 10% | £0 | £ 750,000 | Get a decision in principle |
| 5 Year Fixed Fee Saver |
4.45% |
6.74% |
5 Years fixed rate until 31.08.2030 |
5.90% APRC |
£0 |
10% |
£350 | £ 750,000 |
Get a decision in principle |
| 5 Year Fixed Standard |
4.32% |
6.74% |
5 Years fixed rate until 31.08.2030 |
5.90% APRC |
£999 |
10% |
£350 | £ 750,000 |
Get a decision in principle |
| 5 Year Fixed Premier Standard | 4.22% |
|
|
5.90% |
£999 |
10% |
£0 | £ 750,000 |
Get a decision in principle |
| Mortgage |
2 Year Fixed Fee Saver |
|---|---|
| Initial interest rate |
4.53% |
| Followed by a Variable Rate, currently |
6.74% |
| Initial interest rate period |
2 Years fixed rate until 31.08.2027 |
| Overall cost for comparison (APRC) |
6.50% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £250 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 750,000 |
|
Get a decision in principle |
|
| Mortgage |
2 Year Fixed Standard |
| Initial interest rate |
4.30% |
| Followed by a Variable Rate, currently |
6.74% |
| Initial interest rate period |
2 Years fixed rate until 31.08.2027 |
| Overall cost for comparison (APRC) |
6.50% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £250 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 750,000 |
|
Get a decision in principle |
|
| Mortgage | 2 Year Fixed Premier Standard |
| Initial interest rate |
4.20% fixed |
| Followed by a Variable Rate, currently | 6.74% |
| Initial interest rate period | 2 Years fixed rate until 31.08.2027 |
| Overall cost for comparison (APRC) |
6.50% APRC |
| Booking fee | £999 |
| Annual overpayment allowance | 10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) | £ 750,000 |
| Get a decision in principle | |
| Mortgage |
5 Year Fixed Fee Saver |
| Initial interest rate |
4.45% |
| Followed by a Variable Rate, currently |
6.74% |
| Initial interest rate period |
5 Years fixed rate until 31.08.2030 |
| Overall cost for comparison (APRC) |
5.90% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £350 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 750,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Standard |
| Initial interest rate |
4.32% |
| Followed by a Variable Rate, currently |
6.74% |
| Initial interest rate period |
5 Years fixed rate until 31.08.2030 |
| Overall cost for comparison (APRC) |
5.90% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £350 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 750,000 |
|
Get a decision in principle |
|
| Mortgage | 5 Year Fixed Premier Standard |
| Initial interest rate |
4.22% |
| Followed by a Variable Rate, currently |
|
| Initial interest rate period |
|
| Overall cost for comparison (APRC) |
5.90% |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 750,000 |
|
Get a decision in principle |
| 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 |
4.85% |
6.74% |
2 Years fixed rate until 31.08.2027 |
6.60%
|
£0 |
10% |
£250 | £ 550,000 |
Get a decision in principle |
| 2 Year Fixed Standard |
4.60% |
6.74% |
2 Years fixed rate until 31.08.2027 |
6.60% APRC |
£999 |
10% |
£250 | £ 550,000 |
Get a decision in principle |
| 2 Year Fixed Premier Standard | 4.50% fixed |
6.74% | 2 Years fixed rate until 31.08.2027 | 6.60% APRC |
£999 | 10% | £0 | £ 550,000 | Get a decision in principle |
| 5 Year Fixed Fee Saver |
4.61% |
6.74% |
5 Years fixed rate until 31.08.2030 |
6.00%
|
£0 |
10% |
£350 | £ 550,000 |
Get a decision in principle |
| 5 Year Fixed Standard |
4.49% |
6.74% |
5 Years fixed rate until 31.08.2030 |
6.00%
|
£999 |
10% |
£350 | £ 550,000 |
Get a decision in principle |
| 5 Year Fixed Premier Standard | 4.39% |
|
5 Years fixed rate until 31.08.2030 |
6.00%
|
£999 |
10% |
£0 | £ 550,000 |
Get a decision in principle |
| Mortgage |
2 Year Fixed Fee Saver |
|---|---|
| Initial interest rate |
4.85% |
| Followed by a Variable Rate, currently |
6.74% |
| Initial interest rate period |
2 Years fixed rate until 31.08.2027 |
| Overall cost for comparison (APRC) |
6.60%
|
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £250 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 550,000 |
|
Get a decision in principle |
|
| Mortgage |
2 Year Fixed Standard |
| Initial interest rate |
4.60% |
| Followed by a Variable Rate, currently |
6.74% |
| Initial interest rate period |
2 Years fixed rate until 31.08.2027 |
| Overall cost for comparison (APRC) |
6.60% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £250 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 550,000 |
|
Get a decision in principle |
|
| Mortgage | 2 Year Fixed Premier Standard |
| Initial interest rate |
4.50% fixed |
| Followed by a Variable Rate, currently | 6.74% |
| Initial interest rate period | 2 Years fixed rate until 31.08.2027 |
| Overall cost for comparison (APRC) |
6.60% APRC |
| Booking fee | £999 |
| Annual overpayment allowance | 10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) | £ 550,000 |
| Get a decision in principle | |
| Mortgage |
5 Year Fixed Fee Saver |
| Initial interest rate |
4.61% |
| Followed by a Variable Rate, currently |
6.74% |
| Initial interest rate period |
5 Years fixed rate until 31.08.2030 |
| Overall cost for comparison (APRC) |
6.00%
|
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £350 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 550,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Standard |
| Initial interest rate |
4.49% |
| Followed by a Variable Rate, currently |
6.74% |
| Initial interest rate period |
5 Years fixed rate until 31.08.2030 |
| Overall cost for comparison (APRC) |
6.00%
|
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £350 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 550,000 |
|
Get a decision in principle |
|
| Mortgage | 5 Year Fixed Premier Standard |
| Initial interest rate |
4.39% |
| Followed by a Variable Rate, currently |
|
| Initial interest rate period |
5 Years fixed rate until 31.08.2030 |
| Overall cost for comparison (APRC) |
6.00%
|
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 550,000 |
|
Get a decision in principle |
| 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 | 5.05% fixed |
6.74% | 2 Years fixed rate until 31.08.2027 | 6.60% APRC |
£0 | 10% | £250 | £ 500,000 | Get a decision in principle |
| 5 Year Fixed Fee Saver |
4.89% |
6.74% |
5 Years fixed rate until 31.08.2030 |
6.10%
|
£0 |
10% |
£350 | £ 500,000 |
Get a decision in principle |
| Mortgage | 2 Year Fixed Fee Saver |
|---|---|
| Initial interest rate |
5.05% fixed |
| Followed by a Variable Rate, currently | 6.74% |
| Initial interest rate period | 2 Years fixed rate until 31.08.2027 |
| Overall cost for comparison (APRC) |
6.60% APRC |
| Booking fee | £0 |
| Annual overpayment allowance | 10% |
| Cashback | £250 |
| Maximum loan amount (subject to LTV and Lending Policy) | £ 500,000 |
| Get a decision in principle | |
| Mortgage |
5 Year Fixed Fee Saver |
| Initial interest rate |
4.89% |
| Followed by a Variable Rate, currently |
6.74% |
| Initial interest rate period |
5 Years fixed rate until 31.08.2030 |
| Overall cost for comparison (APRC) |
6.10%
|
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £350 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 500,000 |
| Get a decision in principle |
60% 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 |
4.22% |
6.74% |
2 Years fixed rate until 31.08.2027 |
6.40% APRC |
£0 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
2 Year Fixed Standard
|
3.99% |
6.74% |
2 Years fixed rate until 31.08.2027 |
6.50% APRC |
£999 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| 2 Year Fixed Premier Standard | 3.96% fixed |
6.74% | 2 Years fixed rate until 31.08.2027 | 6.50% APRC |
£999 | 10% | £0 | £ 2,000,000 | Get a decision in principle |
| 5 Year Fixed Fee Saver |
4.16% |
6.74% |
5 Years fixed rate until 31.08.2030 |
5.80% APRC |
£0 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| 5 Year Fixed Standard |
4.01% |
6.74% |
5 Years fixed rate until 31.08.2030 |
5.80% APRC |
£999 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| 5 Year Fixed Premier Standard | 3.98% |
6.74% |
5 Years fixed rate until 31.08.2030 |
5.80% APRC |
£999 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| Mortgage |
2 Year Fixed Fee Saver |
|---|---|
| Initial interest rate |
4.22% |
| Followed by a Variable Rate, currently |
6.74% |
| Initial interest rate period |
2 Years fixed rate until 31.08.2027 |
| Overall cost for comparison (APRC) |
6.40% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
| Get a decision in principle | |
| Mortgage |
2 Year Fixed Standard
|
| Initial interest rate |
3.99% |
| Followed by a Variable Rate, currently |
6.74% |
| Initial interest rate period |
2 Years fixed rate until 31.08.2027 |
| Overall cost for comparison (APRC) |
6.50% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
| Mortgage | 2 Year Fixed Premier Standard |
| Initial interest rate |
3.96% fixed |
| Followed by a Variable Rate, currently | 6.74% |
| Initial interest rate period | 2 Years fixed rate until 31.08.2027 |
| Overall cost for comparison (APRC) |
6.50% APRC |
| Booking fee | £999 |
| Annual overpayment allowance | 10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) | £ 2,000,000 |
| Get a decision in principle | |
| Mortgage |
5 Year Fixed Fee Saver |
| Initial interest rate |
4.16% |
| Followed by a Variable Rate, currently |
6.74% |
| Initial interest rate period |
5 Years fixed rate until 31.08.2030 |
| Overall cost for comparison (APRC) |
5.80% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Standard |
| Initial interest rate |
4.01% |
| Followed by a Variable Rate, currently |
6.74% |
| Initial interest rate period |
5 Years fixed rate until 31.08.2030 |
| Overall cost for comparison (APRC) |
5.80% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
| Mortgage | 5 Year Fixed Premier Standard |
| Initial interest rate |
3.98% |
| Followed by a Variable Rate, currently |
6.74% |
| Initial interest rate period |
5 Years fixed rate until 31.08.2030 |
| Overall cost for comparison (APRC) |
5.80% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
70% 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 |
4.31% |
6.74% |
2 Years fixed rate until 31.08.2027 |
6.50% APRC |
£0 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| 2 Year Fixed Standard |
4.08% |
6.74% |
2 Years fixed rate until 31.08.2027 |
6.50% APRC |
£999 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| 2 Year Fixed Premier Standard | 4.03% fixed |
6.74% | 2 Years fixed rate until 31.08.2027 | 6.50% APRC |
£999 | 10% | £0 | £ 2,000,000 | Get a decision in principle |
| 5 Year Fixed Fee Saver |
4.28% |
6.74% |
5 Years fixed rate until 31.08.2030 |
5.80% APRC |
£0 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| 5 Year Fixed Standard |
4.18% |
6.74% |
5 Years fixed rate until 31.08.2030 |
5.90% APRC |
£999 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
5 Year Fixed Premier Standard |
4.13% |
|
5 Years fixed rate until 31.08.2030 |
5.90% APRC |
£999 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| Mortgage |
2 Year Fixed Fee Saver |
|---|---|
| Initial interest rate |
4.31% |
| Followed by a Variable Rate, currently |
6.74% |
| Initial interest rate period |
2 Years fixed rate until 31.08.2027 |
| Overall cost for comparison (APRC) |
6.50% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
| Mortgage |
2 Year Fixed Standard |
| Initial interest rate |
4.08% |
| Followed by a Variable Rate, currently |
6.74% |
| Initial interest rate period |
2 Years fixed rate until 31.08.2027 |
| Overall cost for comparison (APRC) |
6.50% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
| Mortgage | 2 Year Fixed Premier Standard |
| Initial interest rate |
4.03% fixed |
| Followed by a Variable Rate, currently | 6.74% |
| Initial interest rate period | 2 Years fixed rate until 31.08.2027 |
| Overall cost for comparison (APRC) |
6.50% APRC |
| Booking fee | £999 |
| Annual overpayment allowance | 10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) | £ 2,000,000 |
| Get a decision in principle | |
| Mortgage |
5 Year Fixed Fee Saver |
| Initial interest rate |
4.28% |
| Followed by a Variable Rate, currently |
6.74% |
| Initial interest rate period |
5 Years fixed rate until 31.08.2030 |
| Overall cost for comparison (APRC) |
5.80% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Standard |
| Initial interest rate |
4.18% |
| Followed by a Variable Rate, currently |
6.74% |
| Initial interest rate period |
5 Years fixed rate until 31.08.2030 |
| Overall cost for comparison (APRC) |
5.90% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Premier Standard |
| Initial interest rate |
4.13% |
| Followed by a Variable Rate, currently |
|
| Initial interest rate period |
5 Years fixed rate until 31.08.2030 |
| Overall cost for comparison (APRC) |
5.90% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
75% 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 |
4.31% |
6.74% |
2 Years fixed rate until 31.08.2027 |
6.50% APRC |
£0 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| 2 Year Fixed Standard |
4.08% |
6.74% |
2 Years fixed rate until 31.08.2027 |
6.50% APRC |
£999 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| 2 Year Fixed Premier Standard | 4.03% fixed |
6.74% | 2 Years fixed rate until 31.08.2027 | 6.50% APRC |
£999 | 10% | £0 | £ 2,000,000 | Get a decision in principle |
| 5 Year Fixed Fee Saver |
4.28% |
6.74% |
5 Years fixed rate until 31.08.2030 |
5.80% APRC |
£0 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| 5 Year Fixed Standard |
4.18% |
6.74% |
5 Years fixed rate until 31.08.2030 |
5.90% APRC |
£999 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| 5 Year Fixed Premier Standard | 4.13% |
|
|
5.90%
|
£999 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| Mortgage |
2 Year Fixed Fee Saver |
|---|---|
| Initial interest rate |
4.31% |
| Followed by a Variable Rate, currently |
6.74% |
| Initial interest rate period |
2 Years fixed rate until 31.08.2027 |
| Overall cost for comparison (APRC) |
6.50% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
| Mortgage |
2 Year Fixed Standard |
| Initial interest rate |
4.08% |
| Followed by a Variable Rate, currently |
6.74% |
| Initial interest rate period |
2 Years fixed rate until 31.08.2027 |
| Overall cost for comparison (APRC) |
6.50% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
| Mortgage | 2 Year Fixed Premier Standard |
| Initial interest rate |
4.03% fixed |
| Followed by a Variable Rate, currently | 6.74% |
| Initial interest rate period | 2 Years fixed rate until 31.08.2027 |
| Overall cost for comparison (APRC) |
6.50% APRC |
| Booking fee | £999 |
| Annual overpayment allowance | 10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) | £ 2,000,000 |
| Get a decision in principle | |
| Mortgage |
5 Year Fixed Fee Saver |
| Initial interest rate |
4.28% |
| Followed by a Variable Rate, currently |
6.74% |
| Initial interest rate period |
5 Years fixed rate until 31.08.2030 |
| Overall cost for comparison (APRC) |
5.80% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Standard |
| Initial interest rate |
4.18% |
| Followed by a Variable Rate, currently |
6.74% |
| Initial interest rate period |
5 Years fixed rate until 31.08.2030 |
| Overall cost for comparison (APRC) |
5.90% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
| Mortgage | 5 Year Fixed Premier Standard |
| Initial interest rate |
4.13% |
| Followed by a Variable Rate, currently |
|
| Initial interest rate period |
|
| Overall cost for comparison (APRC) |
5.90%
|
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
80% 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 |
4.53% |
6.74% |
2 Years fixed rate until 31.08.2027 |
6.50% APRC |
£0 |
10% |
£250 | £ 1,000,000 |
Get a decision in principle |
| 2 Year Fixed Standard |
4.30% |
6.74% |
2 Years fixed rate until 31.08.2027 |
6.50% APRC |
£999 |
10% |
£250 | £ 1,000,000 |
Get a decision in principle |
| 2 Year Fixed Premier Standard | 4.20% fixed |
6.74% | 2 Years fixed rate until 31.08.2027 | 6.50% APRC |
£999 | 10% | £0 | £ 1,000,000 | Get a decision in principle |
| 5 Year Fixed Fee Saver |
4.45% |
6.74% |
5 Years fixed rate until 31.08.2030 |
5.90% APRC |
£0 |
10% |
£350 | £ 1,000,000 |
Get a decision in principle |
| 5 Year Fixed Standard |
4.32% |
6.74% |
5 Years fixed rate until 31.08.2030 |
5.90% APRC |
£999 |
10% |
£350 | £ 1,000,000 |
Get a decision in principle |
| 5 Year Fixed Premier Standard | 4.22% |
|
|
5.90%
|
£999 |
10% |
£0 | £ 1,000,000 |
Get a decision in principle |
| Mortgage |
2 Year Fixed Fee Saver |
|---|---|
| Initial interest rate |
4.53% |
| Followed by a Variable Rate, currently |
6.74% |
| Initial interest rate period |
2 Years fixed rate until 31.08.2027 |
| Overall cost for comparison (APRC) |
6.50% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £250 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
|
Get a decision in principle |
|
| Mortgage |
2 Year Fixed Standard |
| Initial interest rate |
4.30% |
| Followed by a Variable Rate, currently |
6.74% |
| Initial interest rate period |
2 Years fixed rate until 31.08.2027 |
| Overall cost for comparison (APRC) |
6.50% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £250 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
|
Get a decision in principle |
|
| Mortgage | 2 Year Fixed Premier Standard |
| Initial interest rate |
4.20% fixed |
| Followed by a Variable Rate, currently | 6.74% |
| Initial interest rate period | 2 Years fixed rate until 31.08.2027 |
| Overall cost for comparison (APRC) |
6.50% APRC |
| Booking fee | £999 |
| Annual overpayment allowance | 10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) | £ 1,000,000 |
| Get a decision in principle | |
| Mortgage |
5 Year Fixed Fee Saver |
| Initial interest rate |
4.45% |
| Followed by a Variable Rate, currently |
6.74% |
| Initial interest rate period |
5 Years fixed rate until 31.08.2030 |
| Overall cost for comparison (APRC) |
5.90% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £350 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Standard |
| Initial interest rate |
4.32% |
| Followed by a Variable Rate, currently |
6.74% |
| Initial interest rate period |
5 Years fixed rate until 31.08.2030 |
| Overall cost for comparison (APRC) |
5.90% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £350 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
|
Get a decision in principle |
|
| Mortgage | 5 Year Fixed Premier Standard |
| Initial interest rate |
4.22% |
| Followed by a Variable Rate, currently |
|
| Initial interest rate period |
|
| Overall cost for comparison (APRC) |
5.90%
|
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
|
Get a decision in principle |
85% 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 |
4.53% |
6.74% |
2 Years fixed rate until 31.08.2027 |
6.50% APRC |
£0 |
10% |
£250 | £ 750,000 |
Get a decision in principle |
| 2 Year Fixed Standard |
4.30% |
6.74% |
2 Years fixed rate until 31.08.2027 |
6.50% APRC |
£999 |
10% |
£250 | £ 750,000 |
Get a decision in principle |
| 2 Year Fixed Premier Standard | 4.20% fixed |
6.74% | 2 Years fixed rate until 31.08.2027 | 6.50% APRC |
£999 | 10% | £0 | £ 750,000 | Get a decision in principle |
| 5 Year Fixed Fee Saver |
4.45% |
6.74% |
5 Years fixed rate until 31.08.2030 |
5.90% APRC |
£0 |
10% |
£350 | £ 750,000 |
Get a decision in principle |
| 5 Year Fixed Standard |
4.32% |
6.74% |
5 Years fixed rate until 31.08.2030 |
5.90% APRC |
£999 |
10% |
£350 | £ 750,000 |
Get a decision in principle |
| 5 Year Fixed Premier Standard | 4.22% |
|
|
5.90% |
£999 |
10% |
£0 | £ 750,000 |
Get a decision in principle |
| Mortgage |
2 Year Fixed Fee Saver |
|---|---|
| Initial interest rate |
4.53% |
| Followed by a Variable Rate, currently |
6.74% |
| Initial interest rate period |
2 Years fixed rate until 31.08.2027 |
| Overall cost for comparison (APRC) |
6.50% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £250 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 750,000 |
|
Get a decision in principle |
|
| Mortgage |
2 Year Fixed Standard |
| Initial interest rate |
4.30% |
| Followed by a Variable Rate, currently |
6.74% |
| Initial interest rate period |
2 Years fixed rate until 31.08.2027 |
| Overall cost for comparison (APRC) |
6.50% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £250 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 750,000 |
|
Get a decision in principle |
|
| Mortgage | 2 Year Fixed Premier Standard |
| Initial interest rate |
4.20% fixed |
| Followed by a Variable Rate, currently | 6.74% |
| Initial interest rate period | 2 Years fixed rate until 31.08.2027 |
| Overall cost for comparison (APRC) |
6.50% APRC |
| Booking fee | £999 |
| Annual overpayment allowance | 10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) | £ 750,000 |
| Get a decision in principle | |
| Mortgage |
5 Year Fixed Fee Saver |
| Initial interest rate |
4.45% |
| Followed by a Variable Rate, currently |
6.74% |
| Initial interest rate period |
5 Years fixed rate until 31.08.2030 |
| Overall cost for comparison (APRC) |
5.90% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £350 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 750,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Standard |
| Initial interest rate |
4.32% |
| Followed by a Variable Rate, currently |
6.74% |
| Initial interest rate period |
5 Years fixed rate until 31.08.2030 |
| Overall cost for comparison (APRC) |
5.90% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £350 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 750,000 |
|
Get a decision in principle |
|
| Mortgage | 5 Year Fixed Premier Standard |
| Initial interest rate |
4.22% |
| Followed by a Variable Rate, currently |
|
| Initial interest rate period |
|
| Overall cost for comparison (APRC) |
5.90% |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 750,000 |
|
Get a decision in principle |
90% 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 |
4.85% |
6.74% |
2 Years fixed rate until 31.08.2027 |
6.60%
|
£0 |
10% |
£250 | £ 550,000 |
Get a decision in principle |
| 2 Year Fixed Standard |
4.60% |
6.74% |
2 Years fixed rate until 31.08.2027 |
6.60% APRC |
£999 |
10% |
£250 | £ 550,000 |
Get a decision in principle |
| 2 Year Fixed Premier Standard | 4.50% fixed |
6.74% | 2 Years fixed rate until 31.08.2027 | 6.60% APRC |
£999 | 10% | £0 | £ 550,000 | Get a decision in principle |
| 5 Year Fixed Fee Saver |
4.61% |
6.74% |
5 Years fixed rate until 31.08.2030 |
6.00%
|
£0 |
10% |
£350 | £ 550,000 |
Get a decision in principle |
| 5 Year Fixed Standard |
4.49% |
6.74% |
5 Years fixed rate until 31.08.2030 |
6.00%
|
£999 |
10% |
£350 | £ 550,000 |
Get a decision in principle |
| 5 Year Fixed Premier Standard | 4.39% |
|
5 Years fixed rate until 31.08.2030 |
6.00%
|
£999 |
10% |
£0 | £ 550,000 |
Get a decision in principle |
| Mortgage |
2 Year Fixed Fee Saver |
|---|---|
| Initial interest rate |
4.85% |
| Followed by a Variable Rate, currently |
6.74% |
| Initial interest rate period |
2 Years fixed rate until 31.08.2027 |
| Overall cost for comparison (APRC) |
6.60%
|
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £250 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 550,000 |
|
Get a decision in principle |
|
| Mortgage |
2 Year Fixed Standard |
| Initial interest rate |
4.60% |
| Followed by a Variable Rate, currently |
6.74% |
| Initial interest rate period |
2 Years fixed rate until 31.08.2027 |
| Overall cost for comparison (APRC) |
6.60% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £250 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 550,000 |
|
Get a decision in principle |
|
| Mortgage | 2 Year Fixed Premier Standard |
| Initial interest rate |
4.50% fixed |
| Followed by a Variable Rate, currently | 6.74% |
| Initial interest rate period | 2 Years fixed rate until 31.08.2027 |
| Overall cost for comparison (APRC) |
6.60% APRC |
| Booking fee | £999 |
| Annual overpayment allowance | 10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) | £ 550,000 |
| Get a decision in principle | |
| Mortgage |
5 Year Fixed Fee Saver |
| Initial interest rate |
4.61% |
| Followed by a Variable Rate, currently |
6.74% |
| Initial interest rate period |
5 Years fixed rate until 31.08.2030 |
| Overall cost for comparison (APRC) |
6.00%
|
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £350 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 550,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Standard |
| Initial interest rate |
4.49% |
| Followed by a Variable Rate, currently |
6.74% |
| Initial interest rate period |
5 Years fixed rate until 31.08.2030 |
| Overall cost for comparison (APRC) |
6.00%
|
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £350 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 550,000 |
|
Get a decision in principle |
|
| Mortgage | 5 Year Fixed Premier Standard |
| Initial interest rate |
4.39% |
| Followed by a Variable Rate, currently |
|
| Initial interest rate period |
5 Years fixed rate until 31.08.2030 |
| Overall cost for comparison (APRC) |
6.00%
|
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 550,000 |
|
Get a decision in principle |
95% 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 | 5.05% fixed |
6.74% | 2 Years fixed rate until 31.08.2027 | 6.60% APRC |
£0 | 10% | £250 | £ 500,000 | Get a decision in principle |
| 5 Year Fixed Fee Saver |
4.89% |
6.74% |
5 Years fixed rate until 31.08.2030 |
6.10%
|
£0 |
10% |
£350 | £ 500,000 |
Get a decision in principle |
| Mortgage | 2 Year Fixed Fee Saver |
|---|---|
| Initial interest rate |
5.05% fixed |
| Followed by a Variable Rate, currently | 6.74% |
| Initial interest rate period | 2 Years fixed rate until 31.08.2027 |
| Overall cost for comparison (APRC) |
6.60% APRC |
| Booking fee | £0 |
| Annual overpayment allowance | 10% |
| Cashback | £250 |
| Maximum loan amount (subject to LTV and Lending Policy) | £ 500,000 |
| Get a decision in principle | |
| Mortgage |
5 Year Fixed Fee Saver |
| Initial interest rate |
4.89% |
| Followed by a Variable Rate, currently |
6.74% |
| Initial interest rate period |
5 Years fixed rate until 31.08.2030 |
| Overall cost for comparison (APRC) |
6.10%
|
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £350 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 500,000 |
| Get a decision in principle |
Tracker mortgages
A tracker mortgage is a variable rate mortgage linked to the Bank of England base rate that rises or falls with it. This will affect your monthly repayments. Our tracker mortgages are available over a 2-year period.
| 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 |
4.44% |
6.74% |
2 Years |
6.60% |
£999 |
£0 | £ 2,000,000 |
Get a decision in principle |
| Mortgage |
2 Year Term Tracker Standard |
|---|---|
Initial interest rate |
4.44% |
Followed by a variable rate, currently |
6.74% |
Initial interest rate period |
2 Years |
Overall cost for comparison (APRC) |
6.60% |
Booking fee |
£999 |
| Cashback | £0 |
Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
| 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 |
4.54% |
6.74% |
2 Years |
6.60% |
£999 |
£0 | £ 2,000,000 |
Get a decision in principle |
| Mortgage |
2 Year Term Tracker Standard |
|---|---|
Initial interest rate |
4.54% |
Followed by a variable rate, currently |
6.74% |
Initial interest rate period |
2 Years |
Overall cost for comparison (APRC) |
6.60% |
Booking fee |
£999 |
| Cashback | £0 |
Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
| 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 |
4.54% |
6.74% |
2 Years |
6.60% |
£999 |
£0 | £ 2,000,000 |
Get a decision in principle |
| Mortgage |
2 Year Term Tracker Standard |
|---|---|
Initial interest rate |
4.54% |
Followed by a variable rate, currently |
6.74% |
Initial interest rate period |
2 Years |
Overall cost for comparison (APRC) |
6.60% |
Booking fee |
£999 |
| Cashback | £0 |
Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
| 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 |
4.64% |
6.74% |
2 Years |
6.60% |
£999 |
£0 | £ 1,000,000 |
Get a decision in principle |
| Mortgage |
2 Year Term Tracker Standard |
|---|---|
Initial interest rate |
4.64% |
Followed by a variable rate, currently |
6.74% |
Initial interest rate period |
2 Years |
Overall cost for comparison (APRC) |
6.60% |
Booking fee |
£999 |
| Cashback | £0 |
Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
|
Get a decision in principle |
| 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 |
4.79% |
6.74% |
2 Years |
6.60% |
£999 |
£0 | £ 750,000 |
Get a decision in principle |
| Mortgage |
2 Year Term Tracker Standard |
|---|---|
Initial interest rate |
4.79% |
Followed by a variable rate, currently |
6.74% |
Initial interest rate period |
2 Years |
Overall cost for comparison (APRC) |
6.60% |
Booking fee |
£999 |
| Cashback | £0 |
Maximum loan amount (subject to LTV and Lending Policy) |
£ 750,000 |
|
Get a decision in principle |
| 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 |
4.94% |
6.74% |
2 Years |
6.70% |
£999 |
£0 | £ 550,000 |
Get a decision in principle |
| Mortgage |
2 Year Term Tracker Standard |
|---|---|
Initial interest rate |
4.94% |
Followed by a variable rate, currently |
6.74% |
Initial interest rate period |
2 Years |
Overall cost for comparison (APRC) |
6.70% |
Booking fee |
£999 |
| Cashback | £0 |
Maximum loan amount (subject to LTV and Lending Policy) |
£ 550,000 |
|
Get a decision in principle |
60% 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 |
4.44% |
6.74% |
2 Years |
6.60% |
£999 |
£0 | £ 2,000,000 |
Get a decision in principle |
| Mortgage |
2 Year Term Tracker Standard |
|---|---|
Initial interest rate |
4.44% |
Followed by a variable rate, currently |
6.74% |
Initial interest rate period |
2 Years |
Overall cost for comparison (APRC) |
6.60% |
Booking fee |
£999 |
| Cashback | £0 |
Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
70% 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 |
4.54% |
6.74% |
2 Years |
6.60% |
£999 |
£0 | £ 2,000,000 |
Get a decision in principle |
| Mortgage |
2 Year Term Tracker Standard |
|---|---|
Initial interest rate |
4.54% |
Followed by a variable rate, currently |
6.74% |
Initial interest rate period |
2 Years |
Overall cost for comparison (APRC) |
6.60% |
Booking fee |
£999 |
| Cashback | £0 |
Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
75% 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 |
4.54% |
6.74% |
2 Years |
6.60% |
£999 |
£0 | £ 2,000,000 |
Get a decision in principle |
| Mortgage |
2 Year Term Tracker Standard |
|---|---|
Initial interest rate |
4.54% |
Followed by a variable rate, currently |
6.74% |
Initial interest rate period |
2 Years |
Overall cost for comparison (APRC) |
6.60% |
Booking fee |
£999 |
| Cashback | £0 |
Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
80% 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 |
4.64% |
6.74% |
2 Years |
6.60% |
£999 |
£0 | £ 1,000,000 |
Get a decision in principle |
| Mortgage |
2 Year Term Tracker Standard |
|---|---|
Initial interest rate |
4.64% |
Followed by a variable rate, currently |
6.74% |
Initial interest rate period |
2 Years |
Overall cost for comparison (APRC) |
6.60% |
Booking fee |
£999 |
| Cashback | £0 |
Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
|
Get a decision in principle |
85% 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 |
4.79% |
6.74% |
2 Years |
6.60% |
£999 |
£0 | £ 750,000 |
Get a decision in principle |
| Mortgage |
2 Year Term Tracker Standard |
|---|---|
Initial interest rate |
4.79% |
Followed by a variable rate, currently |
6.74% |
Initial interest rate period |
2 Years |
Overall cost for comparison (APRC) |
6.60% |
Booking fee |
£999 |
| Cashback | £0 |
Maximum loan amount (subject to LTV and Lending Policy) |
£ 750,000 |
|
Get a decision in principle |
90% 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 |
4.94% |
6.74% |
2 Years |
6.70% |
£999 |
£0 | £ 550,000 |
Get a decision in principle |
| Mortgage |
2 Year Term Tracker Standard |
|---|---|
Initial interest rate |
4.94% |
Followed by a variable rate, currently |
6.74% |
Initial interest rate period |
2 Years |
Overall cost for comparison (APRC) |
6.70% |
Booking fee |
£999 |
| Cashback | £0 |
Maximum loan amount (subject to LTV and Lending Policy) |
£ 550,000 |
|
Get a decision in principle |
Representative example
A repayment mortgage of £175,000.00 payable over 30 years initially on a fixed rate for 2 years at 5.21% and then on our current variable rate of 6.74% (variable) for the remaining 28 years would require 24 monthly payments of £962.59 and 335 monthly payments of £1,126.46 plus one final payment of £1,131.22.
The total amount payable would be £401,892.48 made up of the loan amount plus interest of £226,597.48 and a solicitors fee of £295.
In this example, the overall cost for comparison is 6.7% APRC representative.
Please note your actual costs and monthly repayments will vary.
Things to know
Key mortgage terms explained
We know that when it comes to choosing a mortgage, there's a lot of jargon to get your head around. That's why we've listed some common mortgage terms here.
Loan-to-value (LTV)
This represents the percentage of the property value you want to borrow. For example, a £100,000 property with an £80,000 mortgage would be an 80% LTV. The maximum LTV we'll lend you depends on your individual situation, the property, the loan you choose and the amount you borrow.
Initial interest rate
This is the initial percentage rate at which we calculate the interest on the mortgage.
Variable rate
When your initial mortgage rate ends, the interest on your mortgage will be calculated using the HSBC Standard Variable Rate or HSBC Buy to Let Variable rate. This will vary over the term of the loan and is set internally. HSBC Standard Variable Rate and HSBC Buy to Let Variable Rate do not track the Bank of England base rate.
Initial interest rate period
This is the period during which the fixed or tracker rate applies. For fixed and tracker rate mortgages, when the specified period expires, the rate will revert to the HSBC Standard Variable Rate/Buy-to-let Variable Rate.
Annual Percentage Rate of Charge (APRC)
The APRC represents the overall cost for comparison and can be used to compare mortgages.
Booking fee
A fee charged on some mortgages to secure a particular mortgage deal.
Annual overpayment allowance (AOA)
You'll have an annual overpayment allowance for fixed-rate mortgages equivalent to 10% of the outstanding balance of your mortgage. This is calculated annually on the date your fixed-rate period started. You can make additional payments during the fixed-rate period without incurring an early repayment charge (ERC). Anything over the 10% will incur an ERC, which is a charge you may have to pay if you repay the whole or part of your mortgage early. This includes if you move to a different HSBC mortgage rate, or move to a different lender during your fixed period. There's no early repayment charge for tracker mortgages.
Early repayment charges
Fixed-rate mortgages
You'll have an annual overpayment allowance (AOA) equivalent to 10% of the outstanding balance of your mortgage. This is calculated annually on the date your fixed-rate period started.
You can make additional payments during the fixed-rate period without incurring an early repayment charge (ERC).
Anything over the 10% will incur an ERC, which is a charge you may have to pay if you repay the whole or part of your mortgage early. This includes if you move to a different HSBC mortgage rate, or move to a different lender during your fixed period.
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 of 5% of your overpayment will be charged.
Tracker mortgages
No early repayment charge
There's no early repayment charge, so you can make unlimited overpayments. And you could pay your mortgage off early.
The end of the fixed period
Fixed-rate mortgages
When your fixed period ends the rate will move to the HSBC Standard Variable Rate, unless you switch your HSBC rate.
Tracker mortgages
The tracker mortgage will track the Bank of England base rate for a 2-year fixed period, then it will move to the HSBC Standard Variable Rate, unless you switch your HSBC rate.
Current 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 6.74% effective from 7 March 2025. These rates only apply when a fixed or tracker rate no longer applies. |
Your mortgage illustration
The mortgage rate information on this page doesn't 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 our Find and Compare tool 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. This is in the same format for all lenders to enable you to easily compare mortgages.
How rate changes could affect your mortgage payments
If you have a fixed-rate mortgage, you’ll continue to pay the same amount each month during your fixed-rate period. You can book a new fixed rate up to 90 days before this period ends. That way, you avoid spending time on our Standard Variable Rate after your rate has expired and, as long as you don’t want to leave your existing fixed rate early, you won't incur early repayment charges.
If you have a tracker rate mortgage or a variable rate mortgage linked to the Bank of England base rate, the amount you pay may change when there are changes to the base rate.
If your mortgage is on our Standard Variable Rate, the amount you pay may change when this rate changes.
We’ll let you know if your interest rate changes and what effect that change will have on your monthly payments.
You can switch to a new rate if you’re on:
- a tracker rate
- a variable rate linked to the Bank of England base rate
- our Standard Variable Rate
You can do this without incurring an early repayment charge and with fee-free rate options.
Details about our current mortgage rates are on this page or you can give us a call on 0800 169 6333. Our lines are open Monday to Friday 08:00 to 20:00, Saturday and Sunday 09:00 to 17:00. We may monitor and record calls. Opening hours may vary.