268 mortgage products listed in our database and is currently offering moving home fixed rates from 4.12% with a £1,499 set up fee for their 5 year products. They also offer an existing customer rate for Buy to Let from 4.09% with a £1,999 set up fee for a 5 year product.
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268 mortgage products listed in our database and is currently offering moving home fixed rates from 4.12% with a £1,499 set up fee for their 5 year products. They also offer an existing customer rate for Buy to Let from 4.09% with a £1,999 set up fee for a 5 year product.
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: First Time Buyer
| COMPANY | TYPE | TERM | INITIAL RATE | THE OVERALL COST FOR COMPARISON IS | PRODUCT FEE | LOAN TO VALUE (LTV) |
|---|---|---|---|---|---|---|
| HSBC | First Time Buyer Fixed Fee Saver | 2 years | 4.58% | 6.7 APRC | £0.00 | 60% |
| HSBC | First Time Buyer Fixed Standard | 2 years | 4.32% | 6.7 APRC | £999.00 | 60% |
| HSBC | First Time Buyer Fixed Fee Saver | 5 years | 4.29% | 6.0 APRC | £0.00 | 60% |
| HSBC | First Time Buyer Fixed Standard | 5 years | 4.15% | 6.0 APRC | £999.00 | 60% |
| HSBC | First Time Buyer Fixed Premier Standard | 5 years | 4.12% | 6.0 APRC | £1499.00 | 60% |
| HSBC | First Time Buyer Tracker Standard | 2 years | 4.94% | 6.9 APRC | £999.00 | 60% |
| HSBC | First Time Buyer Fixed Fee Saver | 2 years | 4.78% | 6.8 APRC | £0.00 | 70% |
| HSBC | First Time Buyer Fixed Standard | 2 years | 4.49% | 6.8 APRC | £999.00 | 70% |
| HSBC | First Time Buyer Fixed Fee Saver | 5 years | 4.39% | 6.0 APRC | £0.00 | 70% |
| HSBC | First Time Buyer Fixed Standard | 5 years | 4.25% | 6.0 APRC | £999.00 | 70% |
| HSBC | First Time Buyer Fixed Premier Standard | 5 years | 4.22% | 6.1 APRC | £1499.00 | 70% |
| HSBC | First Time Buyer Tracker Standard | 2 years | 5.04% | 6.9 APRC | £999.00 | 70% |
| HSBC | First Time Buyer Fixed Fee Saver | 2 years | 4.78% | 6.8 APRC | £0.00 | 75% |
| HSBC | First Time Buyer Fixed Standards | 2 years | 4.49% | 6.8 APRC | £999.00 | 75% |
| HSBC | First Time Buyer Fixed Fee Saver | 5 years | 4.39% | 6.0 APRC | £0.00 | 75% |
| HSBC | First Time Buyer Fixed Standards | 5 years | 4.25% | 6.0 APRC | £999.00 | 75% |
| HSBC | First Time Buyer Fixed Premier Standard | 5 years | 4.22% | 6.1 APRC | £1499.00 | 75% |
| HSBC | First Time Buyer Tracker Standard | 2 years | 5.04% | 6.9 APRC | £999.00 | 75% |
| HSBC | First Time Buyer Fixed Fee Saver | 2 years | 5.08% | 6.8 APRC | £0.00 | 80% |
| HSBC | First Time Buyer Fixed Standards | 2 years | 4.77% | 6.8 APRC | £999.00 | 80% |
| HSBC | First Time Buyer Fixed Fee Saver | 5 years | 4.62% | 6.1 APRC | £0.00 | 80% |
| HSBC | First Time Buyer Fixed Standard | 5 years | 4.46% | 6.1 APRC | £999.00 | 80% |
| HSBC | First Time Buyer Fixed Premier Standard | 5 years | 4.43% | 6.2 APRC | £1499.00 | 80% |
| HSBC | First Time Buyer Tracker Standard | 2 years | 5.14% | 6.9 APRC | £999.00 | 80% |
| HSBC | First Time Buyer Fixed Fee Saver | 2 years | 5.08% | 6.8 APRC | £0.00 | 85% |
| HSBC | First Time Buyer Fixed Standard | 2 years | 4.77% | 6.8 APRC | £999.00 | 85% |
| HSBC | First Time Buyer Fixed Fee Saver | 5 years | 4.62% | 6.1 APRC | £0.00 | 85% |
| HSBC | First Time Buyer Fixed Standard | 5 years | 4.46% | 6.1 APRC | £999.00 | 85% |
| HSBC | First Time Buyer Fixed Premier Standard | 5 years | 4.43% | 6.2 APRC | £1499.00 | 85% |
| HSBC | First Time Buyer Tracker Standard | 2 years | 5.29% | 6.9 APRC | £999.00 | 85% |
| HSBC | First Time Buyer Fixed Fee Saver | 2 years | 5.54% | 6.9 APRC | £0.00 | 90% |
| HSBC | First Time Buyer Fixed Standard | 2 years | 5.33% | 6.9 APRC | £999.00 | 90% |
| HSBC | First Time Buyer Fixed Fee Saver | 5 years | 5.00% | 6.3 APRC | £0.00 | 90% |
| HSBC | First Time Buyer Fixed Standard | 5 years | 4.85% | 6.3 APRC | £999.00 | 90% |
| HSBC | First Time Buyer Fixed Premier Standard | 5 years | 4.82% | 6.3 APRC | £1499.00 | 90% |
| HSBC | First Time Buyer Tracker Standard | 2 years | 5.64% | 7.0 APRC | £999.00 | 90% |
| HSBC | First Time Buyer Fixed Fee Saver | 2 years | 5.85% | 7.0 APRC | £0.00 | 95% |
| HSBC | First Time Buyer Fixed Fee Saver | 5 years | 5.36% | 6.5 APRC | £0.00 | 95% |
HSBC Mortgage Rates: Remortgage
| COMPANY | TYPE | TERM | INITIAL RATE | THE OVERALL COST FOR COMPARISON IS | PRODUCT FEE | LOAN TO VALUE (LTV) |
|---|---|---|---|---|---|---|
| HSBC | Remortgage Fixed Fee Saver | 2 years | 4.79% | 6.8 APRC | £0.00 | 60% |
| HSBC | Remortgage Fixed Fee Saver (Cashback) | 2 years | 4.79% | 6.8 APRC | £0.00 | 60% |
| HSBC | Remortgage Fixed Standard | 2 years | 4.44% | 6.8 APRC | £999.00 | 60% |
| HSBC | Remortgage Fixed Standard (Cashback) | 2 years | 4.44% | 6.8 APRC | £999.00 | 60% |
| HSBC | Remortgage Fixed Fee Saver | 5 years | 4.39% | 6.0 APRC | £0.00 | 60% |
| HSBC | Remortgage Fixed Fee Saver (Cashback) | 5 years | 4.39% | 6.0 APRC | £0.00 | 60% |
| HSBC | Remortgage Fixed Standard | 5 years | 4.19% | 6.0 APRC | £999.00 | 60% |
| HSBC | Remortgage Fixed Standard (Cashback) | 5 years | 4.19% | 6.0 APRC | £999.00 | 60% |
| HSBC | Remortgage Fixed Premier Standard | 5 years | 4.16% | 6.0 APRC | £1499.00 | 60% |
| HSBC | Remortgage Tracker Standard | 2 years | 4.99% | 6.9 APRC | £999.00 | 60% |
| HSBC | Remortgage Fixed Fee Saver | 2 years | 4.94% | 6.8 APRC | £0.00 | 70% |
| HSBC | Remortgage Fixed Fee Saver (Cashback) | 2 years | 4.94% | 6.8 APRC | £0.00 | 70% |
| HSBC | Remortgage Fixed Standard | 2 years | 4.64% | 6.8 APRC | £999.00 | 70% |
| HSBC | Remortgage Fixed Standard (Cashback) | 2 years | 4.64% | 6.8 APRC | £999.00 | 70% |
| HSBC | Remortgage Fixed Fee Saver | 5 years | 4.49% | 6.1 APRC | £0.00 | 70% |
| HSBC | Remortgage Fixed Fee Saver (Cashback) | 5 years | 4.49% | 6.1 APRC | £0.00 | 70% |
| HSBC | Remortgage Fixed Standard | 5 years | 4.34% | 6.1 APRC | £999.00 | 70% |
| HSBC | Remortgage Fixed Standard (Cashback) | 5 years | 4.34% | 6.1 APRC | £999.00 | 70% |
| HSBC | Remortgage Fixed Premier Standard | 5 years | 4.31% | 6.1 APRC | £1499.00 | 70% |
| HSBC | Remortgage Tracker Standard | 2 years | 5.04% | 6.9 APRC | £999.00 | 70% |
| HSBC | Remortgage Fixed Fee Saver | 2 years | 4.94% | 6.8 APRC | £0.00 | 75% |
| HSBC | Remortgage Fixed Fee Saver (Cashback) | 2 years | 4.94% | 6.8 APRC | £0.00 | 75% |
| HSBC | Remortgage Fixed Standard | 2 years | 4.64% | 6.8 APRC | £999.00 | 75% |
| HSBC | Remortgage Fixed Standard (Cashback) | 2 years | 4.64% | 6.8 APRC | £999.00 | 75% |
| HSBC | Remortgage Fixed Fee Saver | 5 years | 4.49% | 6.1 APRC | £0.00 | 75% |
| HSBC | Remortgage Fixed Fee Saver (Cashback) | 5 years | 4.49% | 6.1 APRC | £0.00 | 75% |
| HSBC | Remortgage Fixed Standard | 5 years | 4.34% | 6.1 APRC | £999.00 | 75% |
| HSBC | Remortgage Fixed Standard (Cashback) | 5 years | 4.34% | 6.1 APRC | £999.00 | 75% |
| HSBC | Remortgage Fixed Premier Standard | 5 years | 4.31% | 6.1 APRC | £1499.00 | 75% |
| HSBC | Remortgage Tracker Standard | 2 years | 5.04% | 6.9 APRC | £999.00 | 75% |
| HSBC | Remortgage Fixed Fee Saver | 2 years | 5.54% | 6.9 APRC | £0.00 | 80% |
| HSBC | Remortgage Fixed Fee Saver (Cashback) | 2 years | 5.54% | 6.9 APRC | £0.00 | 80% |
| HSBC | Remortgage Fixed Standard | 2 years | 5.10% | 6.9 APRC | £999.00 | 80% |
| HSBC | Remortgage Fixed Standard (Cashback) | 2 years | 5.10% | 6.9 APRC | £999.00 | 80% |
| HSBC | Remortgage Fixed Fee Saver | 5 years | 4.89% | 6.3 APRC | £0.00 | 80% |
| HSBC | Remortgage Fixed Fee Saver | 5 years | 4.89% | 6.3 APRC | £0.00 | 80% |
| HSBC | Remortgage Fixed Standard | 5 years | 4.69% | 6.3 APRC | £999.00 | 80% |
| HSBC | Remortgage Fixed Standard | 5 years | 4.69% | 6.3 APRC | £999.00 | 80% |
| HSBC | Remortgage Fixed Premier Standard | 5 years | 4.66% | 6.3 APRC | £1499.00 | 80% |
| HSBC | Remortgage Tracker Standard | 2 years | 5.24% | 6.9 APRC | £999.00 | 80% |
| HSBC | Remortgage Fixed Fee Saver | 2 years | 5.59% | 6.9 APRC | £0.00 | 85% |
| HSBC | Remortgage Fixed Fee Saver (Cashback) | 2 years | 5.59% | 6.9 APRC | £0.00 | 85% |
| HSBC | Remortgage Fixed Standard | 2 years | 5.24% | 6.9 APRC | £999.00 | 85% |
| HSBC | Remortgage Fixed Standard (Cashback) | 2 years | 5.24% | 6.9 APRC | £999.00 | 85% |
| HSBC | Remortgage Fixed Fee Saver | 5 years | 4.99% | 6.3 APRC | £0.00 | 85% |
| HSBC | Remortgage Fixed Fee Saver (Cashback) | 5 years | 4.99% | 6.3 APRC | £0.00 | 85% |
| HSBC | Remortgage Fixed Standard | 5 years | 4.77% | 6.3 APRC | £999.00 | 85% |
| HSBC | Remortgage Fixed Standard (Cashback) | 5 years | 4.77% | 6.3 APRC | £999.00 | 85% |
| HSBC | Remortgage Fixed Premier Standard | 5 years | 4.74% | 6.3 APRC | £1499.00 | 85% |
| HSBC | Remortgage Tracker Standard | 2 years | 5.29% | 6.9 APRC | £999.00 | 85% |
| HSBC | Remortgage Fixed Fee Saver | 2 years | 5.95% | 7.0 APRC | £0.00 | 90% |
| HSBC | Remortgage Fixed Fee Saver (Cashback) | 2 years | 5.95% | 7.0 APRC | £0.00 | 90% |
| HSBC | Remortgage Fixed Standard | 2 years | 5.50% | 7.0 APRC | £999.00 | 90% |
| HSBC | Remortgage Fixed Standard (Cashback) | 2 years | 5.50% | 7.0 APRC | £999.00 | 90% |
| HSBC | Remortgage Fixed Fee Saver | 5 years | 5.24% | 6.4 APRC | £0.00 | 90% |
| HSBC | Remortgage Fixed Fee Saver (Cashback) | 5 years | 5.24% | 6.4 APRC | £0.00 | 90% |
| HSBC | Remortgage Fixed Standard | 5 years | 5.09% | 6.4 APRC | £999.00 | 90% |
| HSBC | Remortgage Fixed Standard (Cashback) | 5 years | 5.09% | 6.4 APRC | £999.00 | 90% |
| HSBC | Remortgage Fixed Premier Standard | 5 years | 5.06% | 6.4 APRC | £1499.00 | 90% |
| HSBC | Remortgage Tracker Standard | 2 years | 5.69% | 7.0 APRC | £999.00 | 90% |
| HSBC | Buy-to-Let Remortgage Fixed Fee Saver | 2 years | 4.99% | 7.3 APRC | £0.00 | 60% |
| HSBC | Buy-to-Let Remortgage Fixed Standard | 2 years | 4.44% | 7.5 APRC | £1999.00 | 60% |
| HSBC | Buy-to-Let Remortgage Fixed Standard | 2 years | 4.19% | 7.7 APRC | £3999.00 | 60% |
| HSBC | Buy-to-Let Remortgage Fixed Fee Saver | 5 years | 4.54% | 6.5 APRC | £0.00 | 60% |
| HSBC | Buy-to-Let Remortgage Fixed Standard | 5 years | 4.29% | 6.6 APRC | £1999.00 | 60% |
| HSBC | Buy-to-Let Remortgage Fixed Standard | 5 years | 4.04% | 6.8 APRC | £3999.00 | 60% |
| HSBC | Buy-to-Let Remortgage Tracker Fee Saver | 2 years | 5.84% | 7.5 APRC | £0.00 | 60% |
| HSBC | Buy-to-Let Remortgage Tracker Standard | 2 years | 5.23% | 7.6 APRC | £1999.00 | 60% |
| HSBC | Buy-to-Let Remortgage Fixed Standard | 2 years | 5.09% | 7.3 APRC | £0.00 | 65% |
| HSBC | Buy-to-Let Remortgage Fixed Standard | 2 years | 4.54% | 7.5 APRC | £1999.00 | 65% |
| HSBC | Buy-to-Let Remortgage Fixed Standard | 2 years | 4.29% | 7.7 APRC | £3999.00 | 65% |
| HSBC | Buy-to-Let Remortgage Fixed Fee Saver | 5 years | 4.54% | 6.5 APRC | £0.00 | 65% |
| HSBC | Buy-to-Let Remortgage Fixed Standard | 5 years | 4.29% | 6.6 APRC | £1999.00 | 65% |
| HSBC | Buy-to-Let Remortgage Fixed Standard | 5 years | 4.04% | 6.8 APRC | £3999.00 | 65% |
| HSBC | Buy-to-Let Remortgage Tracker Fee Saver | 2 years | 5.84% | 7.5 APRC | £0.00 | 65% |
| HSBC | Buy-to-Let Remortgage Tracker Standard | 2 years | 5.29% | 7.7 APRC | £1999.00 | 65% |
| HSBC | Buy-to-Let Remortgage Fixed Fee Saver | 2 years | 5.09% | 7.3 APRC | £0.00 | 75% |
| HSBC | Buy-to-Let Remortgage Fixed Standard | 2 years | 4.54% | 7.5 APRC | £1999.00 | 75% |
| HSBC | Buy-to-Let Remortgage Fixed Standard | 2 years | 4.29% | 7.7 APRC | £3999.00 | 75% |
| HSBC | Buy-to-Let Remortgage Fixed Fee Saver | 5 years | 4.64% | 6.5 APRC | £0.00 | 75% |
| HSBC | Buy-to-Let Remortgage Fixed Standard | 5 years | 4.44% | 6.7 APRC | £1999.00 | 75% |
| HSBC | Buy-to-Let Remortgage Fixed Standard | 5 years | 4.19% | 6.8 APRC | £3999.00 | 75% |
| HSBC | Buy-to-Let Remortgage Tracker Fee Saver | 2 years | 5.94% | 7.5 APRC | £0.00 | 75% |
| HSBC | Buy-to-Let Remortgage Tracker Standard | 2 years | 5.49% | 7.7 APRC | £1999.00 | 75% |
HSBC Mortgage Rates: Buy-to-Let
| COMPANY | TYPE | TERM | INITIAL RATE | THE OVERALL COST FOR COMPARISON IS | PRODUCT FEE | LOAN TO VALUE (LTV) |
|---|---|---|---|---|---|---|
| HSBC | Buy-to-Let Purchase Fixed Fee Saver | 2 years | 4.94% | 7.3 APRC | £0.00 | 60% |
| HSBC | Buy-to-Let Purchase Fixed Standard | 2 years | 4.34% | 7.4 APRC | £1999.00 | 60% |
| HSBC | Buy-to-Let Purchase Fixed Standard | 2 years | 4.09% | 7.7 APRC | £3999.00 | 60% |
| HSBC | Buy-to-Let Purchase Fixed Fee Saver | 5 years | 4.49% | 6.4 APRC | £0.00 | 60% |
| HSBC | Buy-to-Let Purchase Fixed Standard | 5 years | 4.29% | 6.6 APRC | £1999.00 | 60% |
| HSBC | Buy-to-Let Purchase Fixed Standard | 5 years | 4.04% | 6.8 APRC | £3999.00 | 60% |
| HSBC | Buy-to-Let Purchase Tracker Fee Saver | 2 years | 5.84% | 7.5 APRC | £0.00 | 60% |
| HSBC | Buy-to-Let Purchase Tracker Standard | 2 years | 5.02% | 7.6 APRC | £1999.00 | 60% |
| HSBC | Buy-to-Let Remortgage Fixed Fee Saver | 2 years | 4.99% | 7.3 APRC | £0.00 | 60% |
| HSBC | Buy-to-Let Remortgage Fixed Standard | 2 years | 4.44% | 7.5 APRC | £1999.00 | 60% |
| HSBC | Buy-to-Let Remortgage Fixed Standard | 2 years | 4.19% | 7.7 APRC | £3999.00 | 60% |
| HSBC | Buy-to-Let Remortgage Fixed Fee Saver | 5 years | 4.54% | 6.5 APRC | £0.00 | 60% |
| HSBC | Buy-to-Let Remortgage Fixed Standard | 5 years | 4.29% | 6.6 APRC | £1999.00 | 60% |
| HSBC | Buy-to-Let Remortgage Fixed Standard | 5 years | 4.04% | 6.8 APRC | £3999.00 | 60% |
| HSBC | Buy-to-Let Remortgage Tracker Fee Saver | 2 years | 5.84% | 7.5 APRC | £0.00 | 60% |
| HSBC | Buy-to-Let Remortgage Tracker Standard | 2 years | 5.23% | 7.6 APRC | £1999.00 | 60% |
| HSBC | Buy-to-Let Purchase Fixed Fee Saver | 2 years | 5.04% | 7.3 APRC | £0.00 | 65% |
| HSBC | Buy-to-Let Purchase Fixed Standard | 2 years | 4.48% | 7.5 APRC | £1999.00 | 65% |
| HSBC | Buy-to-Let Purchase Fixed Standard | 2 years | 4.23% | 7.7 APRC | £3999.00 | 65% |
| HSBC | Buy-to-Let Purchase Fixed Fee Saver | 5 years | 4.59% | 6.5 APRC | £0.00 | 65% |
| HSBC | Buy-to-Let Purchase Fixed Standard | 5 years | 4.34% | 6.6 APRC | £1999.00 | 65% |
| HSBC | Buy-to-Let Purchase Fixed Standard | 5 years | 4.09% | 6.8 APRC | £3999.00 | 65% |
| HSBC | Buy-to-Let Purchase Tracker Fee Saver | 2 years | 5.84% | 7.5 APRC | £0.00 | 65% |
| HSBC | Buy-to-Let Purchase Tracker Standard | 2 years | 5.17% | 7.6 APRC | £1999.00 | 65% |
| HSBC | Buy-to-Let Remortgage Fixed Standard | 2 years | 5.09% | 7.3 APRC | £0.00 | 65% |
| HSBC | Buy-to-Let Remortgage Fixed Standard | 2 years | 4.54% | 7.5 APRC | £1999.00 | 65% |
| HSBC | Buy-to-Let Remortgage Fixed Standard | 2 years | 4.29% | 7.7 APRC | £3999.00 | 65% |
| HSBC | Buy-to-Let Remortgage Fixed Fee Saver | 5 years | 4.54% | 6.5 APRC | £0.00 | 65% |
| HSBC | Buy-to-Let Remortgage Fixed Standard | 5 years | 4.29% | 6.6 APRC | £1999.00 | 65% |
| HSBC | Buy-to-Let Remortgage Fixed Standard | 5 years | 4.04% | 6.8 APRC | £3999.00 | 65% |
| HSBC | Buy-to-Let Remortgage Tracker Fee Saver | 2 years | 5.84% | 7.5 APRC | £0.00 | 65% |
| HSBC | Buy-to-Let Remortgage Tracker Standard | 2 years | 5.29% | 7.7 APRC | £1999.00 | 65% |
| HSBC | Buy-to-Let Purchase Fixed Standard | 2 years | 5.09% | 7.3 APRC | £0.00 | 75% |
| HSBC | Buy-to-Let Purchase Fixed Fee Saver | 2 years | 4.48% | 7.5 APRC | £1999.00 | 75% |
| HSBC | Buy-to-Let Purchase Fixed Fee Saver | 2 years | 4.23% | 7.7 APRC | £3999.00 | 75% |
| HSBC | Buy-to-Let Purchase Fixed Fee Saver | 5 years | 4.59% | 6.5 APRC | £0.00 | 75% |
| HSBC | Buy-to-Let Purchase Fixed Standard | 5 years | 4.34% | 6.6 APRC | £1999.00 | 75% |
| HSBC | Buy-to-Let Purchase Fixed Standard | 5 years | 4.09% | 6.8 APRC | £3999.00 | 75% |
| HSBC | Buy-to-Let Purchase Tracker Fee Saver | 2 years | 5.94% | 7.5 APRC | £0.00 | 75% |
| HSBC | Buy-to-Let Purchase Tracker Standard | 2 years | 5.44% | 7.7 APRC | £1999.00 | 75% |
| HSBC | Buy-to-Let Remortgage Fixed Fee Saver | 2 years | 5.09% | 7.3 APRC | £0.00 | 75% |
| HSBC | Buy-to-Let Remortgage Fixed Standard | 2 years | 4.54% | 7.5 APRC | £1999.00 | 75% |
| HSBC | Buy-to-Let Remortgage Fixed Standard | 2 years | 4.29% | 7.7 APRC | £3999.00 | 75% |
| HSBC | Buy-to-Let Remortgage Fixed Fee Saver | 5 years | 4.64% | 6.5 APRC | £0.00 | 75% |
| HSBC | Buy-to-Let Remortgage Fixed Standard | 5 years | 4.44% | 6.7 APRC | £1999.00 | 75% |
| HSBC | Buy-to-Let Remortgage Fixed Standard | 5 years | 4.19% | 6.8 APRC | £3999.00 | 75% |
| HSBC | Buy-to-Let Remortgage Tracker Fee Saver | 2 years | 5.94% | 7.5 APRC | £0.00 | 75% |
| HSBC | Buy-to-Let Remortgage Tracker Standard | 2 years | 5.49% | 7.7 APRC | £1999.00 | 75% |
| 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) 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) 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) 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) 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 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) 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) 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 Mortgage Rates: Moving Home
| COMPANY | TYPE | TERM | INITIAL RATE | THE OVERALL COST FOR COMPARISON IS | PRODUCT FEE | LOAN TO VALUE (LTV) |
|---|---|---|---|---|---|---|
| HSBC | Moving Home Fixed Fee Saver | 2 years | 4.58% | 6.7 APRC | £0.00 | 60% |
| HSBC | Moving Home Fixed Standard | 2 years | 4.32% | 6.7 APRC | £999.00 | 60% |
| HSBC | Moving Home Fixed Fee Saver | 5 years | 4.29% | 6.0 APRC | £0.00 | 60% |
| HSBC | Moving Home Fixed Standard | 5 years | 4.15% | 6.0 APRC | £999.00 | 60% |
| HSBC | Moving Home Fixed Premier Standard | 5 years | 4.12% | 6.0 APRC | £1499.00 | 60% |
| HSBC | Moving Home Tracker Standard | 2 years | 4.94% | 6.9 APRC | £999.00 | 60% |
| HSBC | Moving Home Fixed Fee Saver | 2 years | 4.78% | 6.8 APRC | £0.00 | 70% |
| HSBC | Moving Home Fixed Standard | 2 years | 4.49% | 6.8 APRC | £999.00 | 70% |
| HSBC | Moving Home Fixed Fee Saver | 5 years | 4.39% | 6.0 APRC | £0.00 | 70% |
| HSBC | Moving Home Fixed Standard | 5 years | 4.25% | 6.0 APRC | £999.00 | 70% |
| HSBC | Moving Home Fixed Premier Standard | 5 years | 4.22% | 6.1 APRC | £1499.00 | 70% |
| HSBC | Moving Home Tracker Standard | 2 years | 5.04% | 6.9 APRC | £999.00 | 70% |
| HSBC | Moving Home Fixed Fee Saver | 2 years | 4.78% | 6.8 APRC | £0.00 | 75% |
| HSBC | Moving Home Fixed Standard | 2 years | 4.49% | 6.8 APRC | £999.00 | 75% |
| HSBC | Moving Home Fixed Fee Saver | 5 years | 4.39% | 6.0 APRC | £0.00 | 75% |
| HSBC | Moving Home Fixed Standard | 5 years | 4.25% | 6.0 APRC | £999.00 | 75% |
| HSBC | Moving Home Fixed Premier Standard | 5 years | 4.22% | 6.1 APRC | £1499.00 | 75% |
| HSBC | Moving Home Tracker Standard | 2 years | 5.04% | 6.9 APRC | £999.00 | 75% |
| HSBC | Moving Home Fixed Fee Saver | 2 years | 5.08% | 6.8 APRC | £0.00 | 80% |
| HSBC | Moving Home Fixed Standard | 2 years | 4.77% | 6.8 APRC | £999.00 | 80% |
| HSBC | Moving Home Fixed Fee Saver | 5 years | 4.62% | 6.1 APRC | £0.00 | 80% |
| HSBC | Moving Home Fixed Standard | 5 years | 4.46% | 6.1 APRC | £999.00 | 80% |
| HSBC | Moving Home Fixed Premier Standard | 5 years | 4.43% | 6.2 APRC | £1499.00 | 80% |
| HSBC | Moving Home Tracker Standard | 2 years | 5.14% | 6.9 APRC | £999.00 | 80% |
| HSBC | Moving Home Fixed Fee Saver | 2 years | 5.08% | 6.8 APRC | £0.00 | 85% |
| HSBC | Moving Home Fixed Standard | 2 years | 4.77% | 6.8 APRC | £999.00 | 85% |
| HSBC | Moving Home Fixed Fee Saver | 5 years | 4.62% | 6.1 APRC | £0.00 | 85% |
| HSBC | Moving Home Fixed Standard | 5 years | 4.46% | 6.1 APRC | £999.00 | 85% |
| HSBC | Moving Home Fixed Premier Standard | 5 years | 4.43% | 6.2 APRC | £1499.00 | 85% |
| HSBC | Moving Home Tracker Standard | 2 years | 5.29% | 6.9 APRC | £999.00 | 85% |
| HSBC | Moving Home Fixed Fee Saver | 2 years | 5.54% | 6.9 APRC | £0.00 | 90% |
| HSBC | Moving Home Fixed Standard | 2 years | 5.33% | 6.9 APRC | £999.00 | 90% |
| HSBC | Moving Home Fixed Fee Saver | 5 years | 5.00% | 6.3 APRC | £0.00 | 90% |
| HSBC | Moving Home Fixed Standard | 5 years | 4.85% | 6.3 APRC | £999.00 | 90% |
| HSBC | Moving Home Fixed Premier Standard | 5 years | 4.82% | 6.3 APRC | £1499.00 | 90% |
| HSBC | Moving Home Tracker Standard | 2 years | 5.64% | 7.0 APRC | £999.00 | 90% |
| HSBC | Moving Home Fixed Fee Saver | 2 years | 5.85% | 7.0 APRC | £0.00 | 95% |
| HSBC | Moving Home Fixed Fee Saver | 5 years | 5.36% | 6.5 APRC | £0.00 | 95% |
HSBC Mortgage Rates: Existing Customer
| 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) 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 | 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 | 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) 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) 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) 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) 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 | 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 | 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) 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) 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 | 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 | 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) 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) 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 | 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 | 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 | 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) 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 | 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) 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) 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 | 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) 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) Fixed Fee Saver | 3 years | 5.91% | 6.9 APRC | £0.00 | 95% |
| HSBC | Existing Customer (Switch to New Rate) Fixed Fee Saver | 5 years | 5.36% | 6.5 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 FAQs
What type of mortgage from HSBC is best right now?
The type of HSBC mortgage that is best for you depends on your personal financial situation and your long-term goals. Here are a few types of mortgages commonly available in the UK and their benefits:
- First Time Buyer: For individuals purchasing their first home. These mortgages typically require a smaller deposit than other mortgages, with HSBC offering 5% deposit options. The amount that can be borrowed is usually based on the borrower's income, with HSBC assessing the borrower's affordability based on their income and outgoings. HSBC also offers special incentives for first-time buyers, such as cashback or help with legal fees. The interest rates on HSBC First Time Buyer mortgages can vary, with HSBC offering fixed-rate options to provide certainty in monthly repayments.
- Remortgage: HSBC offers various types of UK remortgage options, including Fixed Rate, Tracker Rate, and Offset mortgages. These options provide borrowers with different interest rate structures and repayment terms. HSBC's lending criteria and the amount that can be borrowed will depend on the borrower's circumstances. HSBC's brand reputation and customer service can provide peace of mind for borrowers navigating the remortgage process.
- Buy-to-Let: These options provide borrowers with different interest rate structures and repayment terms, and the amount that can be borrowed will depend on the borrower's circumstances and the rental income potential of the property. HSBC also offers a range of additional services for Buy-to-Let borrowers, such as specialist advice and support for landlords. HSBC's brand reputation and customer service can provide peace of mind for property investors navigating the Buy-to-Let mortgage process.
- Moving Home: HSBC offers various Moving Home mortgage options in the UK to meet the needs of homeowners looking to purchase a new property and sell their existing one. The amount that can be borrowed will depend on the borrower's circumstances, including their income, credit history, and the value of the property being purchased. HSBC also offers additional services for Moving Home borrowers, such as assistance with bridging loans and flexible repayment options. HSBC's brand reputation and customer service can provide peace of mind for borrowers navigating the Moving Home mortgage process.
- Existing Customer: HSBC offers various Existing Customer mortgage options in the UK to meet the needs of current HSBC mortgage customers looking to remortgage, borrow more money or switch products. HSBC offers competitive rates and additional benefits to their existing customers, such as discounted fees, cashback offers and exclusive products. HSBC's brand reputation and customer service can provide peace of mind for borrowers navigating the Existing Customer mortgage process.
Ultimately, the best mortgage from HSBC for you will depend on your personal financial situation, long-term goals, and risk tolerance. It's important to speak with a qualified mortgage advisor to determine which type of mortgage is best for you.
What is the best month to buy a house and get a mortgage from HSBC?
There is no definitive answer to the best month to buy a house in the UK, as the property market can be affected by a range of factors that can vary year on year. However, here are some general points to consider:
Spring and autumn are typically busier seasons for the housing market, as people often prefer to move during milder weather. However, this also means that there may be more competition for properties and prices may be higher.
Winter can be a quieter time for the property market, as fewer people may be looking to move during the colder months. This could result in fewer properties being available, but it may also mean that sellers are more motivated to negotiate on price.
It is worth considering local events or factors that may affect the housing market in your area. For example, if a major employer is relocating to your area, it could lead to an increase in demand for housing.
It is important to remember that the property market can be unpredictable, and there is no guarantee that you will find the perfect property or the best deal in a particular month.
There is no single "best" month to buy a house in the UK or get a mortgage form HSBC or any other bank, and it ultimately depends on your personal circumstances and preferences. It is always a good idea to do your research, keep an eye on market trends, read up on the latest UK mortgage news, and be prepared to act quickly when you find the right property.
How do I ask HSBC for a lower interest rate?
Asking for a lower interest rate on HSBC account or loan in the UK can be done by following these steps:
- Do your research: Before you approach HSBC, research the current interest rates offered by other banks in the UK. This will give you an idea of what you can negotiate for.
- Prepare your case: Think about why you believe you deserve a lower interest rate. Have you been a loyal customer for many years? Have you made regular payments on time? Do you have a good credit score? Gather evidence to support your case.
- Call or email HSBC: Contact HSBC's customer service department and explain your request for a lower interest rate. Be polite, professional and explain your reasons for requesting a lower interest rate. You may also be asked to provide additional information about your financial situation.
- Negotiate: HSBC may offer you a lower interest rate immediately, or they may need to review your account before making a decision. If they make a counteroffer, be prepared to negotiate further to reach an agreement that works for both parties.
- Consider switching banks: If HSBC is unwilling to lower your interest rate, consider switching to a bank that offers better rates. However, make sure to do your research and understand any fees associated with switching banks.
Remember to always be polite and professional when communicating with HSBC, as they are more likely to help you if you approach the situation in a respectful manner.
Is it better to get a mortgage from HSBC or broker?
To determine whether to obtain a mortgage through HSBC or a broker in the UK, it is essential to consider your personal circumstances and preferences. Here are some factors to contemplate:
- Range of products: Banks provide their own mortgage products, whereas brokers collaborate with a panel of lenders and can offer a broader range of mortgage products. If you have unique financial circumstances or require a specialized mortgage product, a broker may be better equipped to assist you in finding the right product.
- Cost: Banks may impose arrangement fees or other charges that brokers do not. Brokers earn their commission from the lenders they work with, which may or may not be passed on to you. It is crucial to compare the costs of a mortgage from both a bank and a broker to determine which one is more cost-effective for you.
- Convenience: Applying for a mortgage through a bank is straightforward because you are dealing directly with the lender. Brokers can save you time by researching and comparing mortgage products on your behalf.
- Expertise: Brokers are often experts in the mortgage market and can offer advice on which mortgage product is appropriate for your individual circumstances. Banks may have mortgage advisers who can assist you, but they will only be able to provide products from their own bank.
Both HSBC and brokers have their advantages and disadvantages. It is critical to assess the pros and cons of both options and determine which one is best suited to your individual circumstances. It is always advisable to conduct your own research and compare mortgage products from different lenders to discover the most suitable mortgage deal for you.
