Our HSBC 2 year fixed rate mortgage tables are updated daily to give you the best HSBC 2 year fixed mortgage deals on the market. The HSBC 2 year fixed rate mortgage below are the lowest fixed mortgage rates available with early repayment charges. If you have any questions about the HSBC 2 year fixed mortgage rate schemes below contact us with any queries.
Current HSBC 2 year fixed 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 with a product fee at 60% LTV is 4.93% (Max LTV 60%) with a £999 product fee. HSBC's lowest current 2 year fixed mortgage rate without a product fee at 60% LTV is 5.19% (Max LTV 60%). Rates checked on 26 October 2026.
Showing 10 out of 18 matching HSBC 2 year fixed 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 4.93% 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 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 |
| Lender HSBC | Initial Rate 5.06% then 6.24% variable | Rate Type Fixed for 2 years | Max LTV 70% | Fees £999.00 Product Fee | APRC 6.3% | Monthly Payment £710.86 Initial Monthly Payment | More Information More information |
| Lender HSBC | Initial Rate 5.09% then 6.24% variable | Rate Type Fixed for 2 years | Max LTV 60% | Fees £999.00 Product Fee | APRC 6.3% | Monthly Payment £712.98 Initial Monthly Payment | More Information More information |
| Lender HSBC | Initial Rate 5.12% then 6.24% variable | Rate Type Fixed for 2 years | Max LTV 70% | Fees £999.00 Product Fee | APRC 6.3% | Monthly Payment £715.11 Initial Monthly Payment | More Information More information |
| Lender HSBC | Initial Rate 5.17% then 6.24% variable | Rate Type Fixed for 2 years | Max LTV 70% | Fees £999.00 Product Fee | APRC 6.3% | Monthly Payment £718.65 Initial Monthly Payment | More Information More information |
| Lender HSBC | Initial Rate 5.19% then 6.24% variable | Rate Type Fixed for 2 years | Max LTV 60% | Fees No fee Product Fee | APRC 6.2% | Monthly Payment £714.13 Initial Monthly Payment | More Information More information |
| Lender HSBC | Initial Rate 5.19% then 6.24% variable | Rate Type Fixed for 2 years | Max LTV 80% | Fees £999.00 Product Fee | APRC 6.3% | Monthly Payment £720.07 Initial Monthly Payment | More Information More information |
| Lender HSBC | Initial Rate 5.24% then 6.24% variable | Rate Type Fixed for 2 years | Max LTV 80% | Fees £999.00 Product Fee | APRC 6.3% | Monthly Payment £723.63 Initial Monthly Payment | More Information More information |
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 High Income
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 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 |
HSBC Intermediary 2 Year Fixed £999 Fee Purchase Standard
Mortgage Summary
For the first 2 years the mortgage rate is 5.06% (until 31/01/2029) giving you a monthly payment of £710.86 .
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 £790.71 .
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 £19,210.22 , 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 | £710.86 |
|---|---|
| Ongoing Monthly Payment | £790.71 |
| True Cost Over Initial Period | £19,210.22 |
| Total Amount Repayable | £235,074.05 |
HSBC Intermediary FTB 2 Year Fixed £999 Fee Standard High Income £250 Cashback
Mortgage Summary
For the first 2 years the mortgage rate is 5.09% (until 31/01/2029) giving you a monthly payment of £712.98 .
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 £790.88 .
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 £19,017.46 , 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 | £712.98 |
|---|---|
| Ongoing Monthly Payment | £790.88 |
| True Cost Over Initial Period | £19,017.46 |
| Total Amount Repayable | £234,927.70 |
HSBC C/A Premier Only Intermediary FTB 2 Year Fixed £999 Fee Standard High Income £250 Cashback
Mortgage Summary
For the first 2 years the mortgage rate is 5.12% (until 31/01/2029) giving you a monthly payment of £715.11 .
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 £791.04 .
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 £19,074.97 , 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 | £715.11 |
|---|---|
| Ongoing Monthly Payment | £791.04 |
| True Cost Over Initial Period | £19,074.97 |
| Total Amount Repayable | £235,028.89 |
HSBC Intermediary FTB 2 Year Fixed £999 Fee Standard £250 Cashback
Mortgage Summary
For the first 2 years the mortgage rate is 5.17% (until 31/01/2029) giving you a monthly payment of £718.65 .
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 £791.31 .
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 £19,170.55 , 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 | £718.65 |
|---|---|
| Ongoing Monthly Payment | £791.31 |
| True Cost Over Initial Period | £19,170.55 |
| Total Amount Repayable | £235,198.18 |
HSBC Intermediary 2 Year Fixed No Fee Energy Efficient Homes Purchase High Income £350 Cashback
Mortgage Summary
For the first 2 years the mortgage rate is 5.19% (until 31/01/2029) giving you a monthly payment of £714.13 .
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 £784.89 .
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 £18,948.51 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £0.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £17.00 |
| Valuation Fee | Free valuation |
| Total Fees | £17.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £714.13 |
|---|---|
| Ongoing Monthly Payment | £784.89 |
| True Cost Over Initial Period | £18,948.51 |
| Total Amount Repayable | £233,223.48 |
HSBC Intermediary 2 Year Fixed £999 Fee Energy Efficient Homes Purchase High Income £600 Cashback
Mortgage Summary
For the first 2 years the mortgage rate is 5.19% (until 31/01/2029) giving you a monthly payment of £720.07 .
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 £791.42 .
The maximum Loan to Value (LTV) is 80% 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 £18,858.89 , 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 | £720.07 |
|---|---|
| Ongoing Monthly Payment | £791.42 |
| True Cost Over Initial Period | £18,858.89 |
| Total Amount Repayable | £234,916.55 |
HSBC Intermediary FTB 2 Year Fixed £999 Fee Standard £350 Cashback
Mortgage Summary
For the first 2 years the mortgage rate is 5.24% (until 31/01/2029) giving you a monthly payment of £723.63 .
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 £791.69 .
The maximum Loan to Value (LTV) is 80% 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 £19,205.01 , 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 | £723.63 |
|---|---|
| Ongoing Monthly Payment | £791.69 |
| True Cost Over Initial Period | £19,205.01 |
| Total Amount Repayable | £235,336.38 |
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.
Before choosing a HSBC 2 year fixed rate mortgage, it is important to check whether the mortgage is suitable for your circumstances. HSBC considers factors such as your income, deposit, credit history and the property you are buying. Our HSBC mortgage criteria guide explains the key lending requirements and what to consider before applying. The availability of a particular rate will depend on your circumstances and the lender's assessment.
If a 2 year fixed rate is not the right fit, compare HSBC 3 year fixed mortgage rates or HSBC 5 year fixed mortgage rates for a longer period of payment certainty. Alternatively, explore HSBC tracker mortgage rates, or see the full range of current HSBC mortgage rates. If you are looking to switching your existing mortgage, you can also compare HSBC remortgage rates.
Once you compared the HSBC 2 year fixed rate mortgage & remortgage schemes if would like fixed rate mortgage advice, complete our enquiry form and we will contact you to discuses your HSBC mortgage requirements. Go Direct does not charge a broker fee.
The above information does not contain all the details you need to choose a mortgage. Please consult one of our qualified mortgage brokers before undertaking any borrowing/these calculations are for illustration purposes only and may not reflect the true cost of repayment you may make.