HSBC - Existing Customer Rates 60% LTV
- All
- 2 Years
- 3 Years
- 5 years
Type
|
Rate
|
Until
|
Product Fee
|
|
|---|---|---|---|---|
| 2 years Fixed | 3.85% | 30 Nov 27 | £999 | Apply |
| 3 years Fixed | 3.89% | 30 Nov 28 | £999 | Apply |
| 5 years Fixed | 3.95% | 30 Nov 30 | £999 | Apply |
| 5 years Fixed | 4.11% | 30 Nov 30 | 0 | Apply |
| 2 years Tracker | 4.14% | 2 Years | £999 | Apply |
| 2 years Fixed | 4.19% | 30 Nov 27 | 0 | Apply |
| 3 years Fixed | 4.23% | 30 Nov 28 | 0 | Apply |
| 10 years Fixed | 4.49% | 30 Nov 35 | £999 | Apply |
| 10 years Fixed | 4.69% | 30 Nov 35 | 0 | Apply |
| 2 years Tracker | 4.84% | 2 Years | 0 | Apply |
HSBC - Existing Customer Rates 60% LTV at October 1, 2025
| Type
|
Rate
|
Until
|
Product Fee
|
|
|---|---|---|---|---|
| 2 years Fixed | 3.85% | 30 Nov 27 | £999 | Apply |
| 2 years Tracker | 4.14% | 2 Years | £999 | Apply |
| 2 years Fixed | 4.19% | 30 Nov 27 | 0 | Apply |
| 2 years Tracker | 4.84% | 2 Years | 0 | Apply |
HSBC - Existing Customer Rates 60% LTV at October 1, 2025
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HSBC - Existing Customer Rates 70% LTV
- All
- 2 Years
- 3 Years
- 5 years
| Type
|
Rate
|
Until
|
Product Fee
|
|
|---|---|---|---|---|
| 5 years Fixed | 3.99% | 30 Nov 30 | £999 | Apply |
| 2 years Fixed | 4.00% | 30 Nov 27 | £999 | Apply |
| 3 years Fixed | 4.05% | 30 Nov 28 | £999 | Apply |
| 5 years Fixed | 4.18% | 30 Nov 30 | 0 | Apply |
| 2 years Fixed | 4.33% | 30 Nov 27 | 0 | Apply |
| 3 years Fixed | 4.36% | 30 Nov 28 | 0 | Apply |
| 10 years Fixed | 4.54% | 30 Nov 35 | £999 | Apply |
| 10 years Fixed | 4.69% | 30 Nov 35 | 0 | Apply |
HSBC - Existing Customer Rates 70% LTV at October 1, 2025
| Type
|
Rate
|
Until
|
Product Fee
|
|
|---|---|---|---|---|
| 2 years Fixed | 4.00% | 30 Nov 27 | £999 | Apply |
| 2 years Fixed | 4.33% | 30 Nov 27 | 0 | Apply |
HSBC - Existing Customer Rates 70% LTV at October 1, 2025
HSBC - Existing Customer Rates 75% LTV
- All
- 2 Years
- 3 Years
- 5 years
| Type
|
Rate
|
Until
|
Product Fee
|
|
|---|---|---|---|---|
| 5 years Fixed | 3.99% | 30 Nov 30 | £999 | Apply |
| 2 years Fixed | 4.00% | 30 Nov 27 | £999 | Apply |
| 3 years Fixed | 4.05% | 30 Nov 28 | £999 | Apply |
| 5 years Fixed | 4.18% | 30 Nov 30 | 0 | Apply |
| 2 years Tracker | 4.24% | 2 Years | £999 | Apply |
| 2 years Fixed | 4.33% | 30 Nov 27 | 0 | Apply |
| 3 years Fixed | 4.36% | 30 Nov 28 | 0 | Apply |
| 10 years Fixed | 4.54% | 30 Nov 35 | £999 | Apply |
| 10 years Fixed | 4.69% | 30 Nov 35 | 0 | Apply |
| 2 years Tracker | 4.84% | 2 Years | 0 | Apply |
HSBC - Existing Customer Rates 75% LTV at October 1, 2025
| Type
|
Rate
|
Until
|
Product Fee
|
|
|---|---|---|---|---|
| 2 years Fixed | 4.00% | 30 Nov 27 | £999 | Apply |
| 2 years Tracker | 4.24% | 2 Years | £999 | Apply |
| 2 years Fixed | 4.33% | 30 Nov 27 | 0 | Apply |
| 2 years Tracker | 4.84% | 2 Years | 0 | Apply |
HSBC - Existing Customer Rates 75% LTV at October 1, 2025
HSBC - Existing Customer Rates 80% LTV
- All
- 2 Years
- 3 Years
- 5 years
| Type
|
Rate
|
Until
|
Product Fee
|
|
|---|---|---|---|---|
| 5 years Fixed | 4.20% | 30 Nov 30 | £999 | Apply |
| 2 years Fixed | 4.32% | 30 Nov 27 | £999 | Apply |
| 3 years Fixed | 4.33% | 30 Nov 28 | £999 | Apply |
| 5 years Fixed | 4.39% | 30 Nov 30 | 0 | Apply |
| 3 years Fixed | 4.52% | 30 Nov 28 | 0 | Apply |
| 2 years Fixed | 4.60% | 30 Nov 27 | 0 | Apply |
| 10 years Fixed | 4.79% | 30 Nov 35 | £999 | Apply |
| 10 years Fixed | 4.99% | 30 Nov 35 | 0 | Apply |
HSBC - Existing Customer Rates 80% LTV at October 1, 2025
| Type
|
Rate
|
Until
|
Product Fee
|
|
|---|---|---|---|---|
| 2 years Fixed | 4.32% | 30 Nov 27 | £999 | Apply |
| 2 years Fixed | 4.60% | 30 Nov 27 | 0 | Apply |
HSBC - Existing Customer Rates 80% LTV at October 1, 2025
HSBC - Existing Customer Rates 85% LTV
- All
- 2 Years
- 3 Years
- 5 years
| Type
|
Rate
|
Until
|
Product Fee
|
|
|---|---|---|---|---|
| 5 years Fixed | 4.20% | 30 Nov 30 | £999 | Apply |
| 3 years Fixed | 4.33% | 30 Nov 28 | £999 | Apply |
| 2 years Fixed | 4.35% | 30 Nov 27 | £999 | Apply |
| 5 years Fixed | 4.39% | 30 Nov 30 | 0 | Apply |
| 3 years Fixed | 4.52% | 30 Nov 28 | 0 | Apply |
| 2 years Fixed | 4.60% | 30 Nov 27 | 0 | Apply |
HSBC - Existing Customer Rates 85% LTV at October 1, 2025
| Type
|
Rate
|
Until
|
Product Fee
|
|
|---|---|---|---|---|
| 2 years Fixed | 4.35% | 30 Nov 27 | £999 | Apply |
| 2 years Fixed | 4.60% | 30 Nov 27 | 0 | Apply |
HSBC - Existing Customer Rates 85% LTV at October 1, 2025
HSBC - Existing Customer Rates 90% LTV
- All
- 2 Years
- 3 Years
- 5 years
| Type
|
Rate
|
Until
|
Product Fee
|
|
|---|---|---|---|---|
| 5 years Fixed | 4.37% | 30 Nov 30 | £999 | Apply |
| 5 years Fixed | 4.57% | 30 Nov 30 | 0 | Apply |
| 2 years Fixed | 4.65% | 30 Nov 27 | £999 | Apply |
| 3 years Fixed | 4.73% | 30 Nov 28 | £999 | Apply |
| 2 years Fixed | 4.79% | 30 Nov 27 | 0 | Apply |
| 3 years Fixed | 4.92% | 30 Nov 28 | 0 | Apply |
HSBC - Existing Customer Rates 90% LTV at October 1, 2025
| Type
|
Rate
|
Until
|
Product Fee
|
|
|---|---|---|---|---|
| 2 years Fixed | 4.65% | 30 Nov 27 | £999 | Apply |
| 2 years Fixed | 4.79% | 30 Nov 27 | 0 | Apply |
HSBC - Existing Customer Rates 90% LTV at October 1, 2025
HSBC - Existing Customer Rates 95% LTV
- All
- 2 Years
- 3 Years
- 5 years
| Type
|
Rate
|
Until
|
Product Fee
|
|
|---|---|---|---|---|
| 5 years Fixed | 4.87% | 30 Nov 30 | 0 | Apply |
| 2 years Fixed | 4.96% | 30 Nov 27 | 0 | Apply |
| 3 years Fixed | 5.29% | 30 Nov 28 | 0 | Apply |
HSBC - Existing Customer Rates 95% LTV at October 1, 2025
| Type
|
Rate
|
Until
|
Product Fee
|
|
|---|---|---|---|---|
| 2 years Fixed | 4.96% | 30 Nov 27 | 0 | Apply |
HSBC - Existing Customer Rates 95% LTV at October 1, 2025
| Type
|
Rate
|
Until
|
Product Fee
|
|
|---|---|---|---|---|
| 3 years Fixed | 5.29% | 30 Nov 28 | 0 | Apply |
HSBC - Existing Customer Rates 95% LTV at October 1, 2025
| Type
|
Rate
|
Until
|
Product Fee
|
|
|---|---|---|---|---|
| 5 years Fixed | 4.87% | 30 Nov 30 | 0 | Apply |
HSBC - Existing Customer Rates 95% LTV at October 1, 2025
Eligibility to switch mortgage rate with HSBC
To be eligible to switch your mortgage rate with HSBC you cannot be in a position where
- You are in arrears
- You have consent to let on the property (residential customers)
- You have more than six loans parts
- There are more than two applicants
- You have less than two mortgage payments left
For more information on eligibility, visit our page on HSBC Mortgage Criteria.
HSBC - Existing Customer BTL Rates 60% LTV
- All
- 2 Years
- 5 years
| Type
|
Rate
|
Until
|
Product Fee
|
|
|---|---|---|---|---|
| 2 years Fixed | 3.99% | 30 Nov 27 | £1,999 | Apply |
| 5 years Fixed | 4.11% | 30 Nov 30 | £1,999 | Apply |
| 5 years Fixed | 4.29% | 30 Nov 30 | 0 | Apply |
| 2 years Fixed | 4.39% | 30 Nov 27 | 0 | Apply |
HSBC - Existing Customer BTL Rates 60% LTV at October 1, 2025
HSBC - Existing Customer BTL Rates 65% LTV
- All
- 2 Years
- 5 years
| Type
|
Rate
|
Until
|
Product Fee
|
|
|---|---|---|---|---|
| 2 years Fixed | 4.04% | 30 Nov 27 | £1,999 | Apply |
| 5 years Fixed | 4.13% | 30 Nov 30 | £1,999 | Apply |
| 5 years Fixed | 4.34% | 30 Nov 30 | 0 | Apply |
| 2 years Fixed | 4.39% | 30 Nov 27 | 0 | Apply |
HSBC - Existing Customer BTL Rates 65% LTV at October 1, 2025
HSBC - Existing Customer BTL Rates 75% LTV
- All
- 2 Years
- 5 years
| Type
|
Rate
|
Until
|
Product Fee
|
|
|---|---|---|---|---|
| 2 years Fixed | 4.04% | 30 Nov 27 | £1,999 | Apply |
| 5 years Fixed | 4.13% | 30 Nov 30 | £1,999 | Apply |
| 5 years Fixed | 4.48% | 30 Nov 30 | 0 | Apply |
| 2 years Fixed | 4.54% | 30 Nov 27 | 0 | Apply |
HSBC - Existing Customer BTL Rates 75% LTV at October 1, 2025
No matching rates found.
HSBC - Existing Customer EPC A-C Properties BTL Rates 80% LTV
- All
- 2 Years
- 5 years
| Type
|
Rate
|
Until
|
Product Fee
|
|
|---|---|---|---|---|
| 5 years Fixed | 4.94% | 30 Nov 30 | £1,999 | Apply |
| 2 years Fixed | 4.99% | 30 Nov 27 | £1,999 | Apply |
| 5 years Fixed | 5.19% | 30 Nov 30 | 0 | Apply |
| 2 years Fixed | 5.34% | 30 Nov 27 | 0 | Apply |
HSBC - Existing Customer EPC A-C Properties BTL Rates 80% LTV at October 1, 2025
HSBC Product Transfer Rates – Early Repayment Charges
| Product & Term | Period | Charges | End Date |
| 2 Year Fixed | 1 | 3% until 30/09/26 | 30/09/27 |
| 2 | 2% until 30/09/27 | ||
| 3 Year Fixed | 1 | 4% until 30/09/26 | 30/09/28 |
| 2 | 3% until 30/09/27 | ||
| 3 | 2% until 30/09/28 | ||
| 5 Year Fixed | 1 | 5% until 30/09/26 | 30/09/30 |
| 2 | 4% until 30/09/27 | ||
| 3 | 3% until 30/09/28 | ||
| 4 | 2% until 30/09/29 | ||
| 5 | 1% until 30/09/30 | ||
| 2 Year Tracker | 1 | 0.75% until 30/09/26 | 30/09/27 |
| 2 | 0.50% until 30/09/27 |
Overpayment allowances
As a concession, HSBC allows overpayments each year of up to 10% of your outstanding balance without early repayment charges.
This anniversary date for the annual allowance is reset when a new rate is applied to your loan.
If you intend to make regular or lump sum overpayments, first check with the lender that you will be within your overpayment limits.
Can I port my HSBC Mortgage?
Yes, you can port your HSBC mortgage to a new property provided:
- you have at least six months left to run on your current HSBC mortgage rate
- your existing HSBC mortgage is repaid simultaneously with the drawdown of the new HSBC mortgage
You cannot port your HSBC mortgage where:-
- your mortgage account is in arrears
- there are more than two applicants
- there is an HSBC product switch application in process
- there is a marital dispute
For more information, see our porting a mortgage page.
Can I borrow more on my HSBC mortgage?
Yes, it is possible to borrow more on your HSBC mortgage. HSBC offer additional borrowing for many reasons including home improvements, debt consolidation, and buying other property. They will not lend for investment (buy to let purchase acceptable) or business purposes.
The minimum extra amount you can borrow from HSBC is £10,000. The new total borrowing from HSBC cannot exceed 90% of your property value.
There are some situations where you cannot borrow more on your HSBC mortgage, these include:
- to pay off a second charge secured against the same property
- for land purchase where the land is adjacent to the property
- to extend the leasehold on the flat or maisonette
- where any mortgage account is in arrears
- if there are more than two applicants
- debt consolidation above £50,000 unless you are an HSBC bank account holder
- if additional borrowing has already been taken within the last six months
- any account with consent to let granted
- when there is a marital dispute
Overpaying your HSBC mortgage
As with all mortgages if you have the income or capital to overpay your mortgage it is always a good idea to do so. This reduces the interest cost on your mortgage over the long term and benefits you financially.
Many mortgage products with HSBC will have early redemption charges which restrict how much you can overpay on your mortgage. Exceeding those restrictions could lead to a charge.
However, HSBC fixed and discount mortgages have an annual overpayment allowance equivalent to 10% of the mortgage balance at drawdown (or start of a new rate if you’ve done a rate switch). If for example you originally borrowed £200,000, you can overpay by up to £20,000 in each 12-month period without penalty. The 12-month window is reset on each anniversary of the original drawdown.
Overpayments can be made in lump sums or by increasing your monthly direct debit payment.
When making large overpayments you should always contact HSBC first to check you are working within your limits.
As HSBC charge interest on your mortgage daily, the moment you make an overpayment you will start to benefit from an interest reduction.
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