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Mortgage rates

We offer a range of mortgages designed for you

Find the best mortgage rate for you

 

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.

 

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.

 

Check out our latest rates if you're looking to buy your first home.

 

If you're moving home, you could transfer your mortgage to a new rate or borrow more.

 

View our latest rates if you're looking for a mortgage, or to remortgage a buy-to-let property from another provider.

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

We offer a range of award-winning mortgages, with our latest rates if you're moving home.

Not a UK resident or lived in the UK as a foreign national for less than 12 months? Find out how to apply for a non-UK resident mortgage and take a look at our latest residential and buy-to-let mortgage rates.

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.

60% Maximum Loan to Value (LTV)
Mortgage Initial interest rate Followed by a Variable Rate, currently Initial interest rate period Overall cost for comparison (APRC) Booking fee Annual overpayment allowance Cashback Maximum loan amount (subject to LTV and Lending Policy)  
2 Year Fixed Fee Saver

5.11%
fixed

6.99%

2 Years fixed rate until 30.09.2026

6.8%
APRC

£0

10%

£0

£ 5,000,000

Get a decision in principle

2 Year Fixed Standard

 

4.86%
fixed

6.99%

2 Years fixed rate until 30.09.2026

6.9%
APRC

£999

10%

£0

£ 5,000,000

Get a decision in principle
3 Year Fixed Fee Saver

4.99%
fixed

6.99%

3 Years fixed rate until 30.09.2027

6.6%
APRC

£0

10%

£0

£ 5,000,000

Get a decision in principle

 

3 Year Fixed Standard

 

4.73%
fixed

6.99%

3 Years fixed rate until 30.09.2027

6.6%
APRC

£999

10%

£0

£ 5,000,000

Get a decision in principle

 

5 Year Fixed Fee Saver

4.70%
fixed

6.99%

5 Years fixed rate until 30.09.2029

6.2%
APRC

£0

10%

£0

£ 5,000,000

Get a decision in principle
5 Year Fixed Standard

4.48%
fixed

6.99%

5 Years fixed rate until 30.09.2029

6.2%
APRC

£999

10%

£0

£ 5,000,000

Get a decision in principle
5 Year Fixed Premier Standard

4.45%
fixed

6.99%

5 Years fixed rate until 30.09.2029

6.2%
APRC

£1499

10%

£0

£ 5,000,000

Get a decision in principle
60% Maximum Loan to Value (LTV)
Mortgage 2 Year Fixed Fee Saver
Initial interest rate

5.11%
fixed

Followed by a Variable Rate, currently

6.99%

Initial interest rate period

2 Years fixed rate until 30.09.2026

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

£0

Annual overpayment allowance

10%

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

£ 5,000,000

  Get a decision in principle
Mortgage

2 Year Fixed Standard

 

Initial interest rate

4.86%
fixed

Followed by a Variable Rate, currently

6.99%

Initial interest rate period

2 Years fixed rate until 30.09.2026

Overall cost for comparison (APRC) 6.9%
APRC

Booking fee

£999

Annual overpayment allowance

10%

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

£ 5,000,000

  Get a decision in principle
Mortgage 3 Year Fixed Fee Saver
Initial interest rate

4.99%
fixed

Followed by a Variable Rate, currently

6.99%

Initial interest rate period

3 Years fixed rate until 30.09.2027

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

£0

Annual overpayment allowance

10%

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

£ 5,000,000

 

Get a decision in principle

 

Mortgage

3 Year Fixed Standard

 

Initial interest rate

4.73%
fixed

Followed by a Variable Rate, currently

6.99%

Initial interest rate period

3 Years fixed rate until 30.09.2027

Overall cost for comparison (APRC) 6.6%
APRC

Booking fee

£999

Annual overpayment allowance

10%

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

£ 5,000,000

 

Get a decision in principle

 

Mortgage 5 Year Fixed Fee Saver
Initial interest rate

4.70%
fixed

Followed by a Variable Rate, currently

6.99%

Initial interest rate period

5 Years fixed rate until 30.09.2029

Overall cost for comparison (APRC) 6.2%
APRC
Booking fee

£0

Annual overpayment allowance

10%

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

£ 5,000,000

  Get a decision in principle
Mortgage 5 Year Fixed Standard
Initial interest rate

4.48%
fixed

Followed by a Variable Rate, currently

6.99%

Initial interest rate period

5 Years fixed rate until 30.09.2029

Overall cost for comparison (APRC) 6.2%
APRC
Booking fee

£999

Annual overpayment allowance

10%

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

£ 5,000,000

  Get a decision in principle
Mortgage 5 Year Fixed Premier Standard
Initial interest rate

4.45%
fixed

Followed by a Variable Rate, currently

6.99%

Initial interest rate period

5 Years fixed rate until 30.09.2029

Overall cost for comparison (APRC) 6.2%
APRC
Booking fee

£1499

Annual overpayment allowance

10%

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

£ 5,000,000

  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.

60% Maximum Loan to Value (LTV)
Mortgage

Initial interest rate

Followed by a variable rate, currently

Initial interest rate period

Overall cost for comparison (APRC)

Booking fee

Cashback

Maximum loan amount (subject to LTV and Lending Policy)

 
2 Year Term Tracker Standard

5.44%
variable

6.99%

2 Years

7.0%
APRC

£999

£0

£ 5,000,000

Get a decision in principle
60% Maximum Loan to Value (LTV)
Mortgage 2 Year Term Tracker Standard

Initial interest rate

5.44%
variable

Followed by a variable rate, currently

6.99%

Initial interest rate period

2 Years

Overall cost for comparison (APRC)

7.0%
APRC

Booking fee

£999

Cashback £0

Maximum loan amount (subject to LTV and Lending Policy)

£ 5,000,000

  Get a decision in principle

Representative example

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

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

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

Please note your actual costs and monthly repayments will vary.

Things to know

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