Compare available HSBC mortgage rates using our mortgage comparison tables. Review initial rates, product fees and overall costs, then explore our HSBC best buys and lending criteria. Go Direct provides mortgage advice without a broker fee in most circumstances.
Current HSBC mortgage rates based on a property value of £200,000 and a £120,000 repayment mortgage, representing 60% LTV.
HSBC's lowest current 2 year fixed mortgage rate at 60% LTV is 4.93% (Max LTV 60%) with a £999 product fee. HSBC's lowest current 5 year fixed mortgage rate at 60% LTV is 4.96% (Max LTV 60%) with a £999 product fee. HSBC's lowest current tracker mortgage rate at 60% LTV is 4.15% (Max LTV 60%) with a £999 product fee. Rates checked 26 October 2026.
Showing 10 out of 47 matching HSBC mortgage rates, correct as of 26/10/2026.
| Lender | Initial Rate | Rate Type | Max LTV | Fees | APRC | Monthly Payment | More Information |
|---|---|---|---|---|---|---|---|
| Lender HSBC | Initial Rate 4.15% then 6.24% variable | Rate Type Tracker for 2 years | Max LTV 60% | Fees £999.00 Product Fee | APRC 6.1% | Monthly Payment £648.12 Initial Monthly Payment | More Information More information |
| Lender HSBC | Initial Rate 4.27% then 6.24% variable | Rate Type Tracker for 2 years | Max LTV 70% | Fees £999.00 Product Fee | APRC 6.1% | Monthly Payment £656.22 Initial Monthly Payment | More Information More information |
| Lender HSBC | Initial Rate 4.62% then 6.24% variable | Rate Type Tracker for 2 years | Max LTV 60% | Fees £999.00 Product Fee | APRC 6.2% | Monthly Payment £680.15 Initial Monthly Payment | More Information More information |
| Lender HSBC | Initial Rate 4.72% then 6.24% variable | Rate Type Tracker for 2 years | Max LTV 70% | Fees £999.00 Product Fee | APRC 6.2% | Monthly Payment £687.07 Initial Monthly Payment | More Information More information |
| Lender HSBC | Initial Rate 4.93% then 6.24% variable | Rate Type Fixed for 2 years | Max LTV 60% | Fees £999.00 Product Fee | APRC 6.2% | Monthly Payment £701.72 Initial Monthly Payment | More Information More information |
| Lender HSBC | Initial Rate 4.96% then 6.24% variable | Rate Type Fixed for 2 years | Max LTV 60% | Fees £999.00 Product Fee | APRC 6.2% | Monthly Payment £703.82 Initial Monthly Payment | More Information More information |
| Lender HSBC | Initial Rate 4.96% then 6.24% variable | Rate Type Fixed for 5 years | Max LTV 60% | Fees £999.00 Product Fee | APRC 5.9% | Monthly Payment £703.82 Initial Monthly Payment | More Information More information |
| Lender HSBC | Initial Rate 4.99% then 6.24% variable | Rate Type Fixed for 5 years | Max LTV 60% | Fees £999.00 Product Fee | APRC 5.9% | Monthly Payment £705.93 Initial Monthly Payment | More Information More information |
| Lender HSBC | Initial Rate 5.01% then 6.24% variable | Rate Type Fixed for 5 years | Max LTV 60% | Fees £999.00 Product Fee | APRC 5.9% | Monthly Payment £707.34 Initial Monthly Payment | More Information More information |
| Lender HSBC | Initial Rate 5.03% then 6.24% variable | Rate Type Fixed for 2 years | Max LTV 70% | Fees £999.00 Product Fee | APRC 6.3% | Monthly Payment £708.75 Initial Monthly Payment | More Information More information |
HSBC Intermediary 2 Year Tracker £999 Fee Purchase Standard High Income
Mortgage Summary
For the first 2 years the mortgage rate is 4.15% giving you a monthly payment of £648.12 .
After your tracker rate ends, you will move to the HSBC standard variable rate which is currently 6.24% . This would give you a monthly repayment of £786.66 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £15,571.88 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £999.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £17.00 |
| Valuation Fee | Free valuation |
| Total Fees | £1,016.00 |
| Early Repayment Charge | No |
Repayments
| Initial Monthly Payment | £648.12 |
|---|---|
| Ongoing Monthly Payment | £786.66 |
| True Cost Over Initial Period | £15,571.88 |
| Total Amount Repayable | £232,690.04 |
HSBC Intermediary 2 Year Tracker £999 Fee Purchase Standard
Mortgage Summary
For the first 2 years the mortgage rate is 4.27% giving you a monthly payment of £656.22 .
After your tracker rate ends, you will move to the HSBC standard variable rate which is currently 6.24% . This would give you a monthly repayment of £787.30 .
The maximum Loan to Value (LTV) is 70% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £15,766.28 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £999.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £17.00 |
| Valuation Fee | Free valuation |
| Total Fees | £1,016.00 |
| Early Repayment Charge | No |
Repayments
| Initial Monthly Payment | £656.22 |
|---|---|
| Ongoing Monthly Payment | £787.30 |
| True Cost Over Initial Period | £15,766.28 |
| Total Amount Repayable | £233,061.08 |
HSBC Intermediary 2 Year Tracker £999 Fee Standard International
Mortgage Summary
For the first 2 years the mortgage rate is 4.62% giving you a monthly payment of £680.15 .
After your tracker rate ends, you will move to the HSBC standard variable rate which is currently 6.24% . This would give you a monthly repayment of £789.12 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £16,323.60 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £999.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | Free valuation |
| Total Fees | £999.00 |
| Early Repayment Charge | No |
Repayments
| Initial Monthly Payment | £680.15 |
|---|---|
| Ongoing Monthly Payment | £789.12 |
| True Cost Over Initial Period | £16,323.60 |
| Total Amount Repayable | £234,120.72 |
HSBC Intermediary 2 Year Tracker £999 Fee Standard High Income International
Mortgage Summary
For the first 2 years the mortgage rate is 4.72% giving you a monthly payment of £687.07 .
After your tracker rate ends, you will move to the HSBC standard variable rate which is currently 6.24% . This would give you a monthly repayment of £789.62 .
The maximum Loan to Value (LTV) is 70% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £16,489.68 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £999.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | Free valuation |
| Total Fees | £999.00 |
| Early Repayment Charge | No |
Repayments
| Initial Monthly Payment | £687.07 |
|---|---|
| Ongoing Monthly Payment | £789.62 |
| True Cost Over Initial Period | £16,489.68 |
| Total Amount Repayable | £234,424.80 |
HSBC C/A Premier Only Intermediary 2 Year Fixed £999 Fee Purchase Standard
Mortgage Summary
For the first 2 years the mortgage rate is 4.93% (until 31/01/2029) giving you a monthly payment of £701.72 .
After your fixed rate ends, you will move to the HSBC standard variable rate which is currently 6.24% . This would give you a monthly repayment of £789.99 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £18,963.44 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £999.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £17.00 |
| Valuation Fee | Free valuation |
| Total Fees | £1,016.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £701.72 |
|---|---|
| Ongoing Monthly Payment | £789.99 |
| True Cost Over Initial Period | £18,963.44 |
| Total Amount Repayable | £234,630.71 |
HSBC Intermediary 2 Year Fixed £999 Fee Purchase Standard
Mortgage Summary
For the first 2 years the mortgage rate is 4.96% (until 31/01/2029) giving you a monthly payment of £703.82 .
After your fixed rate ends, you will move to the HSBC standard variable rate which is currently 6.24% . This would give you a monthly repayment of £790.16 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £19,020.14 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £999.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £17.00 |
| Valuation Fee | Free valuation |
| Total Fees | £1,016.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £703.82 |
|---|---|
| Ongoing Monthly Payment | £790.16 |
| True Cost Over Initial Period | £19,020.14 |
| Total Amount Repayable | £234,733.82 |
HSBC C/A Premier Only Intermediary 5 Year Fixed £999 Fee Purchase Standard
Mortgage Summary
For the first 5 years the mortgage rate is 4.96% (until 31/01/2032) giving you a monthly payment of £703.82 .
After your fixed rate ends, you will move to the HSBC standard variable rate which is currently 6.24% . This would give you a monthly repayment of £780.95 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £44,357.66 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £999.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £17.00 |
| Valuation Fee | Free valuation |
| Total Fees | £1,016.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £703.82 |
|---|---|
| Ongoing Monthly Payment | £780.95 |
| True Cost Over Initial Period | £44,357.66 |
| Total Amount Repayable | £229,442.81 |
HSBC Intermediary 5 Year Fixed £999 Fee Purchase Standard High Income
Mortgage Summary
For the first 5 years the mortgage rate is 4.99% (until 31/01/2032) giving you a monthly payment of £705.93 .
After your fixed rate ends, you will move to the HSBC standard variable rate which is currently 6.24% . This would give you a monthly repayment of £781.34 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £44,490.59 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £999.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £17.00 |
| Valuation Fee | Free valuation |
| Total Fees | £1,016.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £705.93 |
|---|---|
| Ongoing Monthly Payment | £781.34 |
| True Cost Over Initial Period | £44,490.59 |
| Total Amount Repayable | £229,668.17 |
HSBC C/A Premier Only Intermediary FTB 5 Year Fixed £999 Fee Standard £350 Cashback
Mortgage Summary
For the first 5 years the mortgage rate is 5.01% (until 31/01/2032) giving you a monthly payment of £707.34 .
After your fixed rate ends, you will move to the HSBC standard variable rate which is currently 6.24% . This would give you a monthly repayment of £781.61 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £44,229.42 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £999.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £17.00 |
| Valuation Fee | Free valuation |
| Total Fees | £1,016.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £707.34 |
|---|---|
| Ongoing Monthly Payment | £781.61 |
| True Cost Over Initial Period | £44,229.42 |
| Total Amount Repayable | £229,470.99 |
HSBC C/A Premier Only Intermediary 2 Year Fixed £999 Fee Purchase Standard High Income
Mortgage Summary
For the first 2 years the mortgage rate is 5.03% (until 31/01/2029) giving you a monthly payment of £708.75 .
After your fixed rate ends, you will move to the HSBC standard variable rate which is currently 6.24% . This would give you a monthly repayment of £790.55 .
The maximum Loan to Value (LTV) is 70% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £19,153.25 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £999.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £17.00 |
| Valuation Fee | Free valuation |
| Total Fees | £1,016.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £708.75 |
|---|---|
| Ongoing Monthly Payment | £790.55 |
| True Cost Over Initial Period | £19,153.25 |
| Total Amount Repayable | £234,973.40 |
Your home may be repossessed if you do not keep up repayments on your mortgage
The APRC quoted is representative and for example purposes, it is based on a £200,000 property with a £120,000 loan over 25 years equating to 300 monthly payments. Best buys are based on the Go Direct representative whole of market panel of lenders.
Go Direct offer you no fee mortgage advice on the UK mortgage market from our representative whole of market panel of lenders. Once you compare the HSBC mortgage rates & remortgage products above would like one of our professional mortgage advisors to help you find the most suitable mortgage for your home? We offer No Fee simply advice and complete your mortgage application over the phone for you. Just complete our mortgage advice form and we will contact you to discuss your mortgage requirements at a time to suit you.
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HSBC has buy-to-let mortgage options, subject to the lender's current products and eligibility rules. Buy-to-let lending is assessed differently from a residential mortgage, including consideration of rental income and the property. Compare buy-to-let mortgage rates and ask us about HSBC's current buy-to-let criteria.
The deposit depends on the product, property and your circumstances. A lower loan-to-value ratio may provide access to different rates. Our HSBC mortgage criteria guide explains the main factors the lender considers.
Self-employed applicants may be considered, subject to income evidence, affordability and credit assessment. See our HSBC lending criteria guide for the general requirements.
A fixed rate offers payment certainty for its initial period, while fees and early repayment charges vary. Compare 2 year, 3 year and 5 year fixed HSBC rates to assess the options available.
Tracker mortgage rates can change with their stated benchmark. Availability and early repayment terms depend on the product. See our HSBC tracker mortgage comparison.
Remortgaging may be possible subject to the lender's eligibility, property and affordability checks. Compare the mortgage rates above or speak to an adviser about switching lenders.