HSBC Mortgage Rates

HSBC offers a range of the latest mortgage rates for their customers. Every mortgage borrower should  not miss any opportunity they have to secure a HSBC fixed rate mortgage, as mortgage payments have a significant impact on borrowers’ other outgoings. Having the right mortgage deal can help you save big on monthly mortgage payments.

HSBC offers the following types of mortgage rates.

1 HSBC Mortgage Rates For Existing Customers.

2 HSBC Mortgage Rates For First Time Buyers.

3 HSBC Mortgage Rates For Remortgages .

4 HSBC Mortgage Rates For Buy To Let.

5 HSBC Mortgage Rates For Home Movers.

In this guide we will look at:

HSBC Residential mortgage rates for existing customers.

HSBC BTL mortgage rates for existing customers.

We have created  handy tools to check the latest HSBC mortgage rates for all borrowers,  like First time buyer mortgage rates, remortgage rates or Buy to Let mortgage rates.  Just select the rate type and add your values to see the latest mortgage rates  from HSBC. Compare HSBC Mortgage Rates

HSBC Mortgage Rates For Existing Customers.

HSBC’s  existing mortgage customers can secure a fixed or tracker rate mortgage up to 4 month  in advance. It is also important to know if it is better to remortgage with the same lender  and how long does a mortgage application take through a broker and finallly, what documents are required to remortgage.

HSBC uses  an automated valuation to determine the value of the property, which helps to speed up the remortgage process.

We have outlined HSBC’s existing customers’ mortgage rates for those looking to secure a new rate with the same bank.

For latest rates and deals information get touch with us.

HSBC’s fixed mortgage rates for existing customers

HSBC  made changes to existing mortgage product from 5th Nov 2024. Some rates been reduce and some rates been increase.

HSBC’s Existing Customers’ Mortgage Rates  60% LTV.

These are the cheapest mortgage rates offered by HSBC to its clients who have a lower loan to value by having more deposit towards purchase or equity in property .

HSBC Existing Customers Mortgage Rates 75 % LTV.

HSBC customers can benefit from lowering their LTV as this means better rates offered from the bank.

HSBC Existing Customers Mortgage Rates 85 % LTV.

Having more in deposit towards the property purchase can help to secure better rates from HSBC.  This enables reduced monthly mortgage payments.

HSBC Existing Customers Mortgage Rates 90 % LTV.

HSBC customers can enjoy completive rates at 90% LTV.

HSBC Tracker Rate Mortgage For Existing Customers.

HSBC  offers Tracker rate options for existing customers, this is for those who want to have flexibility in order to switch to a new mortgage deal or lender.

Some tracker mortgages will have fixed fees but most of them come without early repayment charges.

HSBC customers can enjoy competitive rates  from 60 % to 90 % LTV.

Our mortgage rates comparison tool can show up to date mortgage rates from whole of market.

What are the factors that can affect HSBC’s existing customers’ mortgage rates?

When thinking of a HSBC rate change, known as a product transfer, the following factors need to be considered.

HSBC product fees:

These fees can be added to your mortgage or paid upfront. Adding fees to your mortgage can be incurred in your interest rate charge.

 The new rate:

Usually lenders offer lower interest rates for mortgages with product fees attached . Lower loan to value means better interest rates. Always calculate what works out better for you.

Mortgage Term:

A Chosen mortgage term can be reconsidered if borrowers are thinking to make overpayments (which will reduce their mortgage term) or want to extend their mortgage term to reduce monthly payments so they are more manageable.

HSBC Buy to Let mortgage rates for existing customers.

If you are HSBC existing customer thinking to change your BTL mortgage rate at the end of  your term then it is worth looking at your LTV.  Remember, the lower the LTV the better the interest rates.

HSBC 2 years fixed BTL mortgage rates.

HSBC 5 years fixed BTL mortgage rates.

HSBC BTL tracker rate mortgage rates.

Arrange your free mortgage advice with MariannaFS to secure HSBC mortgage rates.

Some of the FAQS

Can I port my HSBC mortgage?

As an existing borrower if you are thinking to move home and want to keep your current mortgage for the new property then HSBC can do so . To know more about the HSBC mortgage porting process use our guide on Mortgage Porting with HSBC

Does HSBC allow additional borrowing for existing customers?

Yes it is possible to borrow additional funds with HSBC while doing a product transfer or in your midterm. HSBC does allow additional borrowing for many reasons including a deposit for BTL, paying off unsecured debt or home improvements.

HSBC has its own set of criteria which needs to be matched for a successful additional borrowing application. Some of the key points are,

• HSBC does not allow additional borrowing beyond 90% LTV.
• Minimum additional borrowing should be £10,
• Unsecured debt lending can not be more than £50,

Do I need a mortgage broker for my HSBC product transfer?

You can go Direct to HSBC or use mortgage broker but  you need to know the difference. Mortgage brokers have  years of expertise and tools to find and compare the best remortgage deals that currently exist across the market. A Mortgage broker can advise you about whether you should stay with HSBC or remortgage  with a new lender, they will know what is better for your circumstances.

Not all mortgage brokers charge fees, some are completely free while still delivering high quality services like MariannaFS.

Does HSBC’s existing customers get the same rates as new customers.

Existing HSBC customers will get similar rates as new ones but that will depend on personal circumstances and your chosen mortgage deal. Many lenders offer competitive rates to keep their current customers with them, especially in the current market conditions.

It is worth having a discursion with a No Fee Mortgage Broker during the last 6 months of the  fixed term so as it comes to an end you  know what rates you could have.

Some of the terms used in this guide:

ERC: Early repayment charges. These are the charges incurred by mortgage borrowers if they decide to close their mortgage deals before the end of the agreed term.

LTV: loan to value. It is the percentage of the property’s value you are willing to borrow from the mortgage lender as a loan. Read more on our LTV Guide.

Porting : Mortgage porting is when you move your current mortgage to your new home. The current mortgage terms and conditions will remain the same throughout the fixed term of your mortgage. Find out more about Porting Here

Equity: Equity is a term used for your share in the property after you purchase it with a deposit.

Read our guide on mortgage terms .

Related Mortgage Guides

HSBC Mortgage porting 

HSBC Product Transfer 

Natwest mortgage rates.

HSBC mortgage in principle

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Halifax 2 years fixed rate mortgage

Compare best remortgage rates

Mortgage Application Time Through Mortgage Broker