HSBC mortgage rates for existing customers are currently offered in 2, 3, 5, and 10-year terms. See what mortgage rate may work best for you!
Check back weekly or favourite this page to keep an eye on the ever-changing rates. The table below is updated as of November 12, 2024 and rates are subject to change.
HSBC mortgage rates for existing customers – 2-year term
| COMPANY | TYPE | TERM | INITIAL RATE | THE OVERALL COST FOR COMPARISON IS | PRODUCT FEE | LOAN TO VALUE (LTV) |
|---|---|---|---|---|---|---|
| HSBC | Existing Customer (Switch to New Rate) Fixed Fee Saver | 2 years | 4.48% | 6.7 APRC | £0.00 | 60% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Standard | 2 years | 4.22% | 6.9 APRC | £999.00 | 60% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Fee Saver Buy to Let | 2 years | 4.85% | 7.3 APRC | £0.00 | 60% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Standard Buy to Let | 2 years | 4.34% | 7.8 APRC | £1999.00 | 60% |
| HSBC | Existing Customer (Switch to New Rate) Tracker Standard | 2 years | 4.89% | 7.1 APRC | £999.00 | 60% |
| HSBC | Existing Customer (Switch to New Rate) Tracker Fee Saver | 2 years | 5.59% | 7.0 APRC | £0.00 | 60% |
| HSBC | Existing Customer (Switch to New Rate) Tracker Fee Saver Buy to Let | 2 years | 5.84% | 7.5 APRC | £0.00 | 60% |
| HSBC | Existing Customer (Switch to New Rate) Tracker Standard Buy to Let | 2 years | 5.02% | 7.9 APRC | £1999.00 | 60% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Fee Saver Buy to Let | 2 years | 4.94% | 7.3 APRC | £0.00 | 65% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Standard Buy to Let | 2 years | 4.48% | 7.8 APRC | £1999.00 | 65% |
| HSBC | Existing Customer (Switch to New Rate) Tracker Standard Buy to Let | 2 years | 5.17% | 8.0 APRC | £1999.00 | 65% |
| HSBC | Existing Customer (Switch to New Rate) Tracker Fee Saver Buy to Let | 2 years | 5.84% | 7.5 APRC | £0.00 | 65% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Fee Saver | 2 years | 4.68% | 6.7 APRC | £0.00 | 70% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Standard | 2 years | 4.34% | 7.0 APRC | £999.00 | 70% |
| HSBC | Existing Customer (Switch to New Rate) Tracker Standard | 2 years | 4.99% | 7.1 APRC | £999.00 | 70% |
| HSBC | Existing Customer (Switch to New Rate) Tracker Fee Saver | 2 years | 5.59% | 7.0 APRC | £0.00 | 70% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Fee Saver | 2 years | 4.68% | 6.7 APRC | £0.00 | 75% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Standard | 2 years | 4.34% | 7.0 APRC | £999.00 | 75% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Fee Saver Buy to Let | 2 years | 4.98% | 7.3 APRC | £0.00 | 75% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Standard Buy to Let | 2 years | 4.48% | 7.8 APRC | £1999.00 | 75% |
| HSBC | Existing Customer (Switch to New Rate) Tracker Standard | 2 years | 4.99% | 7.1 APRC | £999.00 | 75% |
| HSBC | Existing Customer (Switch to New Rate) Tracker Fee Saver | 2 years | 5.59% | 7.0 APRC | £0.00 | 75% |
| HSBC | Existing Customer (Switch to New Rate) Tracker Fee Saver Buy to Let | 2 years | 5.94% | 7.5 APRC | £0.00 | 75% |
| HSBC | Existing Customer (Switch to New Rate) Tracker Standard Buy to Let | 2 years | 5.39% | 8.0 APRC | £1999.00 | 75% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Fee Saver | 2 years | 5.08% | 6.8 APRC | £0.00 | 80% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Standard | 2 years | 4.77% | 7.0 APRC | £999.00 | 80% |
| HSBC | Existing Customer (Switch to New Rate) Tracker Standard | 2 years | 5.14% | 7.1 APRC | £999.00 | 80% |
| HSBC | Existing Customer (Switch to New Rate) Tracker Fee Saver | 2 years | 5.79% | 7.0 APRC | £0.00 | 80% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Fee Saver | 2 years | 5.08% | 6.8 APRC | £0.00 | 85% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Standard | 2 years | 4.77% | 7.0 APRC | £999.00 | 85% |
| HSBC | Existing Customer (Switch to New Rate) Tracker Standard | 2 years | 5.19% | 7.1 APRC | £999.00 | 85% |
| HSBC | Existing Customer (Switch to New Rate) Tracker Fee Saver | 2 years | 5.84% | 7.0 APRC | £0.00 | 85% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Fee Saver | 2 years | 5.54% | 6.9 APRC | £0.00 | 90% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Standard | 2 years | 5.33% | 7.2 APRC | £999.00 | 90% |
| HSBC | Existing Customer (Switch to New Rate) Tracker Standard | 2 years | 5.19% | 7.1 APRC | £999.00 | 90% |
| HSBC | Existing Customer (Switch to New Rate) Tracker Fee Saver | 2 years | 5.84% | 7.0 APRC | £0.00 | 90% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Fee Saver | 2 years | 5.85% | 7.0 APRC | £0.00 | 95% |
| HSBC | Existing Customer (Switch to New Rate) Tracker Fee Saver | 2 years | 5.99% | 7.0 APRC | £0.00 | 95% |
HSBC mortgage rates for existing customers – 3-year term
| COMPANY | TYPE | TERM | INITIAL RATE | THE OVERALL COST FOR COMPARISON IS | PRODUCT FEE | LOAN TO VALUE (LTV) |
|---|---|---|---|---|---|---|
| HSBC | Existing Customer (Switch to New Rate) Fixed Standard | 3 years | 4.40% | 6.4 APRC | £0.00 | 60% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Fee Saver | 3 years | 4.17% | 6.7 APRC | £999.00 | 60% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Fee Saver | 3 years | 4.57% | 6.5 APRC | £0.00 | 70% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Standard | 3 years | 4.36% | 6.7 APRC | £999.00 | 70% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Fee Saver | 3 years | 4.57% | 6.5 APRC | £0.00 | 75% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Standard | 3 years | 4.36% | 6.7 APRC | £999.00 | 75% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Fee Saver | 3 years | 5.02% | 6.6 APRC | £0.00 | 80% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Standard | 3 years | 4.79% | 6.8 APRC | £999.00 | 80% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Fee Saver | 3 years | 5.09% | 6.6 APRC | £0.00 | 85% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Standard | 3 years | 4.79% | 6.8 APRC | £999.00 | 85% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Fee Saver | 3 years | 5.57% | 6.8 APRC | £0.00 | 90% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Standard | 3 years | 5.26% | 7.0 APRC | £999.00 | 90% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Fee Saver | 3 years | 5.91% | 6.9 APRC | £0.00 | 95% |
HSBC mortgage rates for existing customers – 5-year term
| COMPANY | TYPE | TERM | INITIAL RATE | THE OVERALL COST FOR COMPARISON IS | PRODUCT FEE | LOAN TO VALUE (LTV) |
|---|---|---|---|---|---|---|
| HSBC | Existing Customer (Switch to New Rate) Fixed Fee Saver | 5 years | 4.19% | 6.0 APRC | £0.00 | 60% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Standard | 5 years | 4.03% | 6.1 APRC | £999.00 | 60% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Fee Saver Buy to Let | 5 years | 4.39% | 6.4 APRC | £0.00 | 60% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Standard Buy to Let | 5 years | 4.09% | 6.8 APRC | £1999.00 | 60% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Premier Standard | 5 years | 4.00% | 6.3 APRC | £1499.00 | 60% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Fee Saver Buy to Let | 5 years | 4.39% | 6.4 APRC | £0.00 | 65% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Standard Buy to Let | 5 years | 4.09% | 6.8 APRC | £1999.00 | 65% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Fee Saver | 5 years | 4.29% | 6.0 APRC | £0.00 | 70% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Standard | 5 years | 4.15% | 6.2 APRC | £999.00 | 70% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Premier Standard | 5 years | 4.12% | 6.3 APRC | £1499.00 | 70% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Fee Saver | 5 years | 4.29% | 6.0 APRC | £0.00 | 75% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Standard | 5 years | 4.15% | 6.2 APRC | £999.00 | 75% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Fee Saver Buy to Let | 5 years | 4.50% | 6.4 APRC | £0.00 | 75% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Standard Buy to Let | 5 years | 4.25% | 6.9 APRC | £1999.00 | 75% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Premier Standard | 5 years | 4.12% | 6.3 APRC | £1499.00 | 75% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Fee Saver | 5 years | 4.62% | 6.1 APRC | £0.00 | 80% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Standard | 5 years | 4.46% | 6.3 APRC | £999.00 | 80% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Premier Standard | 5 years | 4.43% | 6.5 APRC | £1499.00 | 80% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Fee Saver | 5 years | 4.62% | 6.1 APRC | £0.00 | 85% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Standard | 5 years | 4.46% | 6.3 APRC | £999.00 | 85% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Premier Standard | 5 years | 4.43% | 6.5 APRC | £1499.00 | 85% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Fee Saver | 5 years | 5.00% | 6.3 APRC | £0.00 | 90% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Standard | 5 years | 4.85% | 6.5 APRC | £999.00 | 90% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Premier Standard | 5 years | 4.82% | 6.6 APRC | £1499.00 | 90% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Fee Saver | 5 years | 5.36% | 6.5 APRC | £0.00 | 95% |
HSBC mortgage rates for existing customers – 10-year term
| COMPANY | TYPE | TERM | INITIAL RATE | THE OVERALL COST FOR COMPARISON IS | PRODUCT FEE | LOAN TO VALUE (LTV) |
|---|---|---|---|---|---|---|
| HSBC | Existing Customer (Switch to New Rate) Fixed Fee Saver | 10 years | 4.94% | 5.7 APRC | £0.00 | 60% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Standard | 10 years | 4.79% | 5.8 APRC | £999.00 | 60% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Fee Saver | 10 years | 4.99% | 5.7 APRC | £0.00 | 70% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Standard | 10 years | 4.84% | 5.9 APRC | £999.00 | 70% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Fee Saver | 10 years | 4.99% | 5.7 APRC | £0.00 | 75% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Standard | 10 years | 4.84% | 5.9 APRC | £999.00 | 75% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Fee Saver | 10 years | 5.29% | 5.9 APRC | £0.00 | 80% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Standard | 10 years | 5.08% | 6.1 APRC | £999.00 | 80% |
HSBC mortgage rates for existing customers – 5-year term
| COMPANY | TYPE | TERM | INITIAL RATE | THE OVERALL COST FOR COMPARISON IS | PRODUCT FEE | LOAN TO VALUE (LTV) |
|---|---|---|---|---|---|---|
| HSBC | Existing Customer (Switch to New Rate) Fixed Fee Saver | 5 years | 4.09% | 5.9 APRC | £0.00 | 60% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Standard | 5 years | 3.93% | 6.1 APRC | £999.00 | 60% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Fee Saver Buy to Let | 5 years | 4.29% | 6.3 APRC | £0.00 | 60% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Standard Buy to Let | 5 years | 3.99% | 6.8 APRC | £1999.00 | 60% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Premier Standard | 5 years | 3.90% | 6.2 APRC | £1499.00 | 60% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Fee Saver Buy to Let | 5 years | 4.29% | 6.3 APRC | £0.00 | 65% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Standard Buy to Let | 5 years | 3.99% | 6.8 APRC | £1999.00 | 65% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Fee Saver | 5 years | 4.19% | 6.0 APRC | £0.00 | 70% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Standard | 5 years | 4.05% | 6.2 APRC | £999.00 | 70% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Premier Standard | 5 years | 4.02% | 6.3 APRC | £1499.00 | 70% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Fee Saver | 5 years | 4.19% | 6.0 APRC | £0.00 | 75% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Standard | 5 years | 4.05% | 6.2 APRC | £999.00 | 75% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Fee Saver Buy to Let | 5 years | 4.40% | 6.4 APRC | £0.00 | 75% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Standard Buy to Let | 5 years | 4.15% | 6.8 APRC | £1999.00 | 75% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Premier Standard | 5 years | 4.02% | 6.3 APRC | £1499.00 | 75% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Fee Saver | 5 years | 4.42% | 6.1 APRC | £0.00 | 80% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Standard | 5 years | 4.26% | 6.2 APRC | £999.00 | 80% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Premier Standard | 5 years | 4.23% | 6.4 APRC | £1499.00 | 80% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Fee Saver | 5 years | 4.42% | 6.1 APRC | £0.00 | 85% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Standard | 5 years | 4.26% | 6.2 APRC | £999.00 | 85% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Premier Standard | 5 years | 4.23% | 6.4 APRC | £1499.00 | 85% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Fee Saver | 5 years | 4.80% | 6.2 APRC | £0.00 | 90% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Standard | 5 years | 4.65% | 6.4 APRC | £999.00 | 90% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Premier Standard | 5 years | 4.62% | 6.6 APRC | £1499.00 | 90% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Fee Saver | 5 years | 5.16% | 6.4 APRC | £0.00 | 95% |
HSBC mortgage rates for existing customers – 10-year term
| COMPANY | TYPE | TERM | INITIAL RATE | THE OVERALL COST FOR COMPARISON IS | PRODUCT FEE | LOAN TO VALUE (LTV) |
|---|---|---|---|---|---|---|
| HSBC | Existing Customer (Switch to New Rate) Fixed Fee Saver | 10 years | 4.84% | 5.6 APRC | £0.00 | 60% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Standard | 10 years | 4.69% | 5.8 APRC | £999.00 | 60% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Fee Saver | 10 years | 4.89% | 5.7 APRC | £0.00 | 70% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Standard | 10 years | 4.74% | 5.8 APRC | £999.00 | 70% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Fee Saver | 10 years | 4.89% | 5.7 APRC | £0.00 | 75% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Standard | 10 years | 4.74% | 5.8 APRC | £999.00 | 75% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Fee Saver | 10 years | 5.19% | 5.9 APRC | £0.00 | 80% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Standard | 10 years | 4.98% | 6.0 APRC | £999.00 | 80% |
HSBC Mortgage Rates for Existing Customers FAQs
Do existing customers get better mortgage rates?
Existing HSBC customers can sometimes benefit from better mortgage rates, however this depends on individual situations and chosen products. Most lenders are willing to offer a competitive product transfer, especially in the current climate.
If your current mortgage deal is coming to an end within the next six months, it is worth speaking with your current mortgage provider to see if they offer a competitive product transfer, this is beneficial for both parties but not all lenders make it worth your while to stay with them beyond your fixed term. If your current lender doesn’t offer a good rate, you can do the leg work yourself and get multiple quotes from other lenders or you can speak to a broker who will be able to consider your criteria against numerous lenders at once and is likely to be able to get a better deal. Many brokers do not charge until a mortgage is confirmed and so it is worth seeing what they can offer.
If you are looking to remortgage before your current deal ends you need to consider whether you will be liable for early repayment charges and whether this is worth paying against what you may save by switching early. For those that fixed a rate at a time when rates were at their highest, it may be well worth early switching even when considering the early repayment charges. It is worth speaking to your current mortgage lender in the first instance to see if they are able to help.
Can you negotiate the interest rate on an existing mortgage?
You can look to lock in mortgage rates up to 6 months in advance of the current term ending and so this would be the time to negotiate the interest rate on an existing mortgage. It is worth speaking to your current mortgage lender in the first instance to see if they are able to help if you are struggling with repayments or you fixed your rate when rates were at their highest.
If your current mortgage deal is coming to an end within the next six months, it is worth speaking with your current mortgage provider to see if they offer a competitive product transfer, this is beneficial for both parties but not all lenders make it worth your while to stay with them beyond your fixed term. If your current lender doesn’t offer a good rate, you can do the leg work yourself and get multiple quotes from other lenders or you can speak to a broker who will be able to consider your criteria against numerous lenders at once and is likely to be able to get a better deal. Many brokers do not charge until a mortgage is confirmed and so it is worth seeing what they can offer.
If you are looking to remortgage before your current deal ends you need to consider whether you will be liable for early repayment charges and whether this is worth paying against what you may save by switching early. For those that fixed a rate at a time when rates were at their highest, it may be well worth early switching even when considering the early repayment charges.
Do existing customers get the same deal as new customers?
Existing HSBC customers can sometimes benefit from better mortgage rates, however this depends on individual situations and chosen products. Most lenders are willing to offer a competitive product transfer, especially in the current climate.
If your current mortgage deal is coming to an end within the next six months, it is worth speaking with your current mortgage provider to see if they offer a competitive product transfer, this is beneficial for both parties but not all lenders make it worth your while to stay with them beyond your fixed term. If your current lender doesn’t offer a good rate, you can do the leg work yourself and get multiple quotes from other lenders or you can speak to a broker who will be able to consider your criteria against numerous lenders at once and is likely to be able to get a better deal. Many brokers do not charge until a mortgage is confirmed and so it is worth seeing what they can offer.
If you are looking to remortgage before your current deal ends you need to consider whether you will be liable for early repayment charges and whether this is worth paying against what you may save by switching early. For those that fixed a rate at a time when rates were at their highest, it may be well worth early switching even when considering the early repayment charges. It is worth speaking to your current mortgage lender in the first instance to see if they are able to help.
Can you negotiate interest rate on existing mortgage?
Locking in mortgage rates up to 6 months in advance of the current term ending can be a strategic move to negotiate the interest rate on an existing mortgage. If you are struggling with repayments or fixed your rate when rates were at their highest, it's worth reaching out to your current mortgage lender, including HSBC bank, for assistance.
When your current mortgage deal is approaching its end within the next six months, it's prudent to inquire with your current mortgage provider, including HSBC bank, about their competitive product transfer options. If your current lender does not provide a favorable rate, you have the option to obtain multiple quotes from other lenders or seek the assistance of a mortgage broker who can potentially secure a better deal. Before remortgaging, consider early repayment charges and potential savings from switching early, even if you initially fixed a rate when rates were high. It's
recommended to carefully assess costs and benefits, and consult with your current mortgage provider, including HSBC bank, for assistance.
In conclusion, taking proactive steps such as locking in mortgage rates, exploring product transfer options, and considering early switching can result in more favorable mortgage rates for existing customers. Consulting with your current mortgage lender, including HSBC bank, and utilizing the services of a mortgage broker can provide valuable guidance and assistance in securing a better mortgage deal.
