HSBC mortgage rates, calculator & review

HSBC offers fixed and variable rate mortgages starting from 4.45%. Use our analysis to compare them, and read customers' views of HSBC.

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By

Matthew Boyle

Updated

Fact checked
HSBC is a British bank with global operations and is headquartered in London. It's one of the biggest banks in the world and the largest in Europe and the UK. HSBC offers a range of mortgage types and can advise you on a suitable plan over the phone, online or in-branch.
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1 - 20 of 116
Updated daily
Name Product Initial rate Revert rate (SVR) Maximum LTV Cashback Apply link Initial payment
HSBC 31/07/2029 Fixed - Premier Standard 60%
HSBC 31/07/2029 Fixed
4.45% fixed until 31/07/2029
6.99% variable
60%
View details
£1,070.92
5.9% APRC
HSBC 31/07/2029 Fixed - Premier Standard 60%
HSBC 31/07/2029 Fixed
4.45% fixed until 31/07/2029
6.99% variable
60%
View details
£1,070.92
5.9% APRC
HSBC 31/07/2029 Fixed - Standard 60%
CASHBACK
HSBC 31/07/2029 Fixed
4.48% fixed until 31/07/2029
6.99% variable
60%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
£1,073.67
5.9% APRC
HSBC 31/07/2029 Fixed - Standard 60%
HSBC 31/07/2029 Fixed
4.48% fixed until 31/07/2029
6.99% variable
60%
View details
£1,073.67
5.9% APRC
HSBC 31/07/2029 Fixed - Premier Standard 75%
HSBC 31/07/2029 Fixed
4.55% fixed until 31/07/2029
6.99% variable
75%
View details
£1,080.10
6% APRC
HSBC 31/07/2029 Fixed - Premier Standard 70%
HSBC 31/07/2029 Fixed
4.55% fixed until 31/07/2029
6.99% variable
70%
View details
£1,080.10
6% APRC
HSBC 31/07/2029 Fixed - Standard 75%
HSBC 31/07/2029 Fixed
4.58% fixed until 31/07/2029
6.99% variable
75%
View details
£1,082.86
6% APRC
HSBC 31/07/2029 Fixed - Standard 70%
HSBC 31/07/2029 Fixed
4.58% fixed until 31/07/2029
6.99% variable
70%
View details
£1,082.86
6% APRC
HSBC 31/07/2029 Fixed - Fee Saver 60%
HSBC 31/07/2029 Fixed
4.63% fixed until 31/07/2029
6.99% variable
60%
View details
£1,087.47
5.9% APRC
HSBC 31/07/2029 Fixed - Fee Saver 60%
CASHBACK
HSBC 31/07/2029 Fixed
4.63% fixed until 31/07/2029
6.99% variable
60%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
£1,087.47
5.9% APRC
HSBC 31/07/2029 Fixed - Premier Standard 75%
HSBC 31/07/2029 Fixed
4.65% fixed until 31/07/2029
6.99% variable
75%
View details
£1,089.32
6.1% APRC
HSBC 31/07/2029 Fixed - Premier Standard 70%
HSBC 31/07/2029 Fixed
4.65% fixed until 31/07/2029
6.99% variable
70%
View details
£1,089.32
6.1% APRC
HSBC 31/07/2029 Fixed - Standard 75%
CASHBACK
HSBC 31/07/2029 Fixed
4.68% fixed until 31/07/2029
6.99% variable
75%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
£1,092.09
6% APRC
HSBC 31/07/2027 Fixed - Standard 60%
HSBC 31/07/2027 Fixed
4.68% fixed until 31/07/2027
6.99% variable
60%
View details
£1,092.09
6.4% APRC
HSBC 31/07/2029 Fixed - Standard 70%
CASHBACK
HSBC 31/07/2029 Fixed
4.68% fixed until 31/07/2029
6.99% variable
70%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
£1,092.09
6% APRC
HSBC 31/07/2027 Fixed - Standard 60%
HSBC 31/07/2027 Fixed
4.69% fixed until 31/07/2027
6.99% variable
60%
View details
£1,093.02
6.4% APRC
HSBC 31/07/2029 Fixed - Premier Standard 80%
HSBC 31/07/2029 Fixed
4.7% fixed until 31/07/2029
6.99% variable
80%
View details
£1,093.94
6.1% APRC
HSBC 31/07/2029 Fixed - Premier Standard 85%
HSBC 31/07/2029 Fixed
4.7% fixed until 31/07/2029
6.99% variable
85%
View details
N/A
Exceeds max. term
HSBC 31/07/2029 Fixed - Fee Saver 75%
HSBC 31/07/2029 Fixed
4.73% fixed until 31/07/2029
6.99% variable
75%
View details
£1,096.72
6% APRC
HSBC 31/07/2029 Fixed - Standard 85%
CASHBACK
HSBC 31/07/2029 Fixed
4.73% fixed until 31/07/2029
6.99% variable
85%
Eligible customers can receive up to £500 cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. term
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Overall representative example
If you borrow £178,000 mortgage over 25 years initially at 4.49% fixed for 60 months reverting to 7.99% variable for term. 60 monthly payments of £988.37 and 240 monthly payments of £1306.89. Total amount payable £373,335.80 includes loan amount, interest of £194,956, valuation fees of £0 and product fees of £0. The overall cost for comparison is 6.7% APRC representative.
Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Overview of mortgages

Initial rate types Base rate tracker, fixed
Borrower types First-time buyers, moving house, remortgaging
Mortgage amounts From £10,000 to £5,000,000
Mortgage terms From 5 to 40 years
Maximum LTV 95%
Lowest initial rate 4.45%
Longest fixed rate offer 10 years 3 months
Regions covered Great Britain, Northern Ireland
Applicant age From 18 to 80
Offers portable mortgages

How much can I borrow with HSBC?

HSBC can lend up to 95% of the value of your property. However it will also factor in the affordability of the monthly repayments (in terms of your monthly income and outgoings) when deciding what it can offer.

How long can I fix my mortgage for through HSBC?

Currently HSBC’s longest fixed term is for 10 years 3 months.

Does HSBC offer shared ownership mortgages?

Yes. These mortgages allow you to buy a percentage of a property and pay rent on the remainder.

Most shared ownership plans offer the opption to buy more of the property as and when you can afford it at a later date. HSBC stipulates it will only lend on shared ownership arrangements where you have the option to increase your stake to 100% ownership of the property.

How do I apply?

You can apply for an HSBC mortgage online, by calling 0800 169 6333 or visiting a local branch.

What ID do I need when I apply?

You’ll need to supply proof of identification, proof of address, proof of deposit and your last monthly payslip and bank statement.

Zero-hours and contract workers will need to provide their P60 and additional payslips, so the lender can get a better idea of the consistency of their income. Self-employed applicants will need to provide their last two years’ worth of accounts and, if requested, several months’ of business bank statements.

Am I eligible for an HSBC mortgage?

Applications are considered on a case-by-case basis, but there are some clear criteria:

  • You must be at least 18 years old and no older than 80 when your mortgage term is due to end.
  • You won’t be permitted to borrow more than five times your annual income.
  • According to the HSBC website, customers with adverse credit will only be considered “in exceptional circumstances”.

HSBC buy-to-let mortgage rates

1 - 5 of 36
Updated daily
Name Product Initial rate Revert rate (SVR) Maximum LTV Overall cost for comparison Cashback Link
HSBC 31/07/2029 Fixed
HSBC 31/07/2029 Fixed
4.48% fixed until 31/07/2029
7.6% variable
60%
6.5% APRC
View details
HSBC 31/07/2029 Fixed
HSBC 31/07/2029 Fixed
4.48% fixed until 31/07/2029
7.6% variable
65%
6.5% APRC
View details
HSBC 31/07/2029 Fixed
HSBC 31/07/2029 Fixed
4.54% fixed until 31/07/2029
7.6% variable
65%
6.5% APRC
View details
HSBC 31/07/2029 Fixed
HSBC 31/07/2029 Fixed
4.54% fixed until 31/07/2029
7.6% variable
60%
6.5% APRC
View details
HSBC 31/07/2029 Fixed
HSBC 31/07/2029 Fixed
4.58% fixed until 31/07/2029
7.6% variable
75%
6.5% APRC
View details
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Contact information

For general queries, existing customers can call 03457 404 404 or use the live chat function at hsbc.co.uk. Non-HSBC customers should call 03456 040 626.

HSBC mortgages customer reviews

In our 2023 customer satisfaction survey, HSBC scored 4.5 out of 5 stars with 89% of its customers saying they’d recommend the brand to a friend.

Customers in our survey commented positively on HSBC’s helpful staff and “reliable service” .

Here is some of the feedback we got from HSBC mortgage customers:

“Good experience- reliable and good communication.”
“Flexible mortgage options.”
“They are always available to help.”
“Very good customer service.”

Frequently asked questions

Mortgage ratings

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor

Finder scores, in blue, are based on our expert analysis. We also show reviews from users, where we've received more than 10, with a score in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.

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