HSBC Mortgage Rates for Existing Customers

HSBC – Existing Customer Rates 60% LTV

Type	Rate	Fee	Until
2 Year Fixed	3.84%	£999	31/08/27
2 Year Fixed	4.14%	£0	31/08/27
3 Year Fixed	3.91%	£999	31/08/28
3 Year Fixed	4.18%	£0	31/08/28
5 Year Fixed	3.84%	£999	31/08/30
5 Year Fixed	4.04%	£0	31/08/30
2 Yr Tracker	4.39%	£999	24 Mnths
2 Yr Tracker	5.09%	£0	24 Mnths

Type	Rate	Fee	Until
2 Year Fixed	3.84%	£999	31/08/27
2 Year Fixed	4.14%	0	31/08/27
2 Yr Tracker	4.39%	£999	24 Mnths
2 Yr Tracker	5.09%	£0	24 Mnths

Type	Rate	Fee	Until
3 Year Fixed	3.91%	£999	31/08/28
3 Year Fixed	4.18%	£0	31/08/28

Type	Rate	Fee	Until
5 Year Fixed	3.84%	£999	31/08/30
5 Year Fixed	4.04%	£0	31/08/30

HSBC rates as of May 12, 2025

get rate options for your property

call us now on 0208 979 9684

HSBC – Existing Customer Rates 75% LTV

Type	Rate	Fee	Until
2 Year Fixed	4.04%	£999	31/08/27
2 Year Fixed	4.29%	£0	31/08/27
3 Year Fixed	4.06%	£999	31/08/28
3 Year Fixed	4.29%	£0	31/08/28
5 Year Fixed	4.04%	£999	31/08/30
5 Year Fixed	4.19%	£0	31/08/30
2 Yr Tracker	4.49%	£999	24 Mnths
2 Yr Tracker	5.09%	£0	24 Mnths

Type	Rate	Fee	Until
2 Year Fixed	4.04%	£999	31/08/27
2 Year Fixed	4.29%	0	31/08/27
2 Yr Tracker	4.49%	£999	24 Mnths
2 Yr Tracker	5.09%	£0	24 Mnths

Type	Rate	Fee	Until
3 Year Fixed	4.06%	£999	31/08/28
3 Year Fixed	4.29%	£0	31/08/28

Type	Rate	Fee	Until
5 Year Fixed	4.04%	£999	31/08/30
5 Year Fixed	4.19%	£0	31/08/30

HSBC rates as of May 12, 2025

get rate options for your property

call us now on 0208 979 9684

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 BTL Customer Rates 60% LTV

Type	Rate	Fee	Until
2 Year Fixed	3.99%	£999	31/08/27
2 Year Fixed	4.49%	£0	31/08/27
5 Year Fixed	4.09%	£999	31/08/30
5 Year Fixed	4.34%	£0	31/08/30
2 Yr Tracker	4.52%	£999	24 Mnths
2 Yr Tracker	5.34%	£0	24 Mnths

Type	Rate	Fee	Until
2 Year Fixed	3.99%	£999	31/08/27
2 Year Fixed	4.49%	0	31/08/27
2 Yr Tracker	4.52%	£999	24 Mnths
2 Yr Tracker	5.34%	£0	24 Mnths

Type	Rate	Fee	Until
5 Year Fixed	4.09%	£999	31/08/30
5 Year Fixed	4.34%	£0	31/08/30

HSBC rates as of May 12, 2025

get rate options for your property

call us now on 0208 979 9684

HSBC – Existing BTL Customer Rates 75% LTV

Type	Rate	Fee	Until
2 Year Fixed	4.24%	£999	31/08/27
2 Year Fixed	4.64%	£0	31/08/27
5 Year Fixed	4.24%	£999	31/08/30
5 Year Fixed	4.49%	£0	31/08/30
2 Yr Tracker	4.89%	£999	24 Mnths
2 Yr Tracker	5.44%	£0	24 Mnths

Type	Rate	Fee	Until
2 Year Fixed	4.24%	£999	31/08/27
2 Year Fixed	4.64%	0	31/08/27
2 Yr Tracker	4.89%	£999	24 Mnths
2 Yr Tracker	5.44%	£0	24 Mnths

Type	Rate	Fee	Until
5 Year Fixed	4.24%	£999	31/08/30
5 Year Fixed	4.49%	£0	31/08/30

HSBC rates as of May 12, 2025

get rate options for your property

call us now on 0208 979 9684

HSBC Product Transfer Rates – Early Repayment Charges

Product & Term	Period	Charges	End Date
2 Year Fixed	1	3% until 31/08/26	31/08/27
	2	2% until 31/08/27
3 Year Fixed	1	4% until 31/05826	31/08/28
	2	3% until 31/08/27
	3	2% until 31/08/28
5 Year Fixed	1	5% until 31/08/26	31/08/30
	2	4% until 31/08/27
	3	3% until 31/08/28
	4	2% until 31/08/29
	5	1% until 31/08/30
2 Year Tracker	1	0.75% until 31/08/26	31/08/27
	2	0.50% until 31/08/27

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.

Latest HSBC Mortgage Rates For Existing Customers

HSBC – Existing Customer Rates 60% LTV

HSBC – Existing Customer Rates 75% LTV

Eligibility to switch mortgage rate with HSBC

HSBC – Existing BTL Customer Rates 60% LTV

HSBC – Existing BTL Customer Rates 75% LTV

HSBC Product Transfer Rates – Early Repayment Charges

Can I port my HSBC Mortgage?

Can I borrow more on my HSBC mortgage?

Overpaying your HSBC mortgage

Mortgage Product Transfer with another Lender? – click below

HSBC – Existing Customer Rates 60% LTV

Get HSBC Rate Drop Alerts

get advance warning of HSBC mortgage rate drops

HSBC – Existing Customer Rates 75% LTV

Eligibility to switch mortgage rate with HSBC

HSBC – Existing BTL Customer Rates 60% LTV

HSBC – Existing BTL Customer Rates 75% LTV

HSBC Product Transfer Rates – Early Repayment Charges

Can I port my HSBC Mortgage?

Can I borrow more on my HSBC mortgage?

Overpaying your HSBC mortgage

Mortgage Product Transfer with another Lender? – click below