HSBC

HSBC mortgages calculator & review

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

Estimate costs Buy-to-let rates
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Matthew Boyle
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Fact checked
Customer rating
★★★★★
Satisfaction survey
Customers praise good rates and good service
Doesn't offer offset mortgages
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.
Data updated regularly
£
£
Data updated regularly
Name Product Initial rate Revert rate (SVR) Maximum LTV Apply link Initial payment
HSBC 31/01/2024 Fixed
HSBC
0.89% fixed until 31/01/2024
3.54% variable
60%
View details
£773.51
3% APRC
HSBC 31/01/2024 Fixed
HSBC
0.89% fixed until 31/01/2024
3.54% variable
60%
View details
£773.51
3% APRC
HSBC 31/01/2024 Fixed
HSBC
0.89% fixed until 31/01/2024
3.54% variable
60%
View details
£773.51
3% APRC
HSBC 31/01/2024 Fixed
HSBC
0.89% fixed until 31/01/2024
3.54% variable
60%
View details
£773.51
3% APRC
HSBC 31/01/2024 Fixed
HSBC
0.99% fixed until 31/01/2024
3.54% variable
75%
View details
£781.06
3.1% APRC
HSBC 31/01/2024 Fixed
HSBC
0.99% fixed until 31/01/2024
3.54% variable
75%
View details
£781.06
3.1% APRC
HSBC 31/01/2024 Fixed
HSBC
0.99% fixed until 31/01/2024
3.54% variable
75%
View details
£781.06
3.1% APRC
HSBC 2 Years Variable
HSBC
0.99% variable (Base Rate plus 0.89% for up to 35 Years)
N/A
60%
View details
£781.06
1.1% APRC
HSBC 31/01/2024 Fixed
HSBC
0.99% fixed until 31/01/2024
3.54% variable
70%
View details
£781.06
3.1% APRC
HSBC 31/01/2024 Fixed
HSBC
0.99% fixed until 31/01/2024
3.54% variable
70%
View details
£781.06
3.1% APRC
HSBC 2 Years Variable
HSBC
0.99% variable (Base Rate plus 0.89% for up to 25 Years)
N/A
60%
View details
£781.06
1.1% APRC
HSBC 31/01/2024 Fixed
HSBC
0.99% fixed until 31/01/2024
3.54% variable
70%
View details
£781.06
3.1% APRC
HSBC 31/01/2024 Fixed
HSBC
0.99% fixed until 31/01/2024
3.54% variable
75%
View details
£781.06
3.1% APRC
HSBC 31/01/2024 Fixed
HSBC
0.99% fixed until 31/01/2024
3.54% variable
70%
View details
£781.06
3.1% APRC
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Overall representative example
If you borrow £170,000 over a 25-year term at 1.28% p.a. (fixed) for 64 months reverting to 3.59% p.a. (variable) for the remaining term, you would make 64 monthly payments of £662.46 and 236 monthly payments of £816.99. The total payable would be £236,354.08, which includes interest of £65,207, valuation fees of £102 and a product fee of £995. The overall cost for comparison is 2.7% APRC representative.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Overview of HSBC mortgages

Initial rate types Fixed, variable
Borrower types Remortgaging, first-time buyers, moving house
Mortgage amounts From £10,000 to £5,000,000
Mortgage terms From 5 to 35 years
Maximum LTV 95%
Lowest initial rate 0.89%
Longest fixed rate offer 5 years 3 months
Regions covered Great Britain, Northern Ireland
Applicant age From 18 to 80
Offers portable mortgages

What types of mortgages can I get with HSBC?

  • Fixed rate. Your interest remains fixed for a set amount of time, so you can be certain about the size of your monthly mortgage repayments.
  • Remortgages. You can switch from your existing mortgage provider to HSBC via one of the lender’s remortgage products.
  • Tracker Your interest rate shifts up and down alongside the Bank of England base rate.
  • Buy-to-let. This mortgage allows you to borrow money to buy an additional property and let it out.
  • Shared ownership. This mortgage allows you to buy a percentage of a property and pay rent on the remainder. You can then apply to buy additional percentages of the property as and when you can afford it.

HSBC buy-to-let mortgage rates

Data updated daily
Name Product Initial rate Revert rate (SVR) Maximum LTV Overall cost for comparison Link
HSBC 31/01/2024 Fixed
HSBC
1.14% fixed until 31/01/2024
4.6% variable
65%
4.3% APRC
Compare now
HSBC 31/01/2024 Fixed
HSBC
1.14% fixed until 31/01/2024
4.6% variable
60%
4.3% APRC
Compare now
HSBC 31/01/2024 Fixed
HSBC
1.19% fixed until 31/01/2024
4.6% variable
60%
4.3% APRC
Compare now
HSBC 31/01/2024 Fixed
HSBC
1.19% fixed until 31/01/2024
4.6% variable
65%
4.3% APRC
Compare now
HSBC 31/01/2024 Fixed
HSBC
1.34% fixed until 31/01/2024
4.6% variable
75%
4.3% APRC
Compare now
HSBC 31/01/2024 Fixed
HSBC
1.34% fixed until 31/01/2024
4.6% variable
75%
4.3% APRC
Compare now
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How to apply

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

What ID do you need when you 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.

Eligibility criteria

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

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 Finder’s annual mortgages customer satisfaction survey, HSBC came 4th. It scored 4.5 out of 5 stars, with 88% of its mortgage customers saying they would recommend the service. In general, customers were happy with HSBC’s mortgage costs and helpful service, but some felt there could be a better choice of products available.

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

“Great service and pricing.”
“Very helpful and knowledgeable.”
“Very good, but did not give me a choice of product.”
“Helped from start to finish. Great service.”

Frequently asked questions

Mortgage ratings

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Our customer satisfaction scores (“Customers say”) are based on a survey of 893 customers carried out in December 2020.
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.

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