If you have an HSBC mortgage and the rate is due to expire or has already come to an end, you may want to switch your rate, find out how.
Find the best mortgage rate for you
The rates below are available to first-time buyers. You'll be considered a first-time buyer if you've never owned a residential property in the UK, or anywhere else in the world and you intend for the property to be your main home. If you'd like to apply for a joint mortgage, both applicants must never have previously owned a property.
Looking for a residential loan for a single property where your total borrowing exposure with HSBC UK will be over £2 million? Take a look at our high-value mortgage rates.
Not a UK resident or lived in the UK as a foreign national for less than 12 months? Find out how to apply for a non-UK resident mortgage and take a look at our latest residential and buy-to-let mortgage rates.
Not a first-time buyer? Go back to our rates.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up monthly payments on your mortgage.
Your Loan to Value
It's worth considering what your Loan to Value (LTV) will be. Your LTV is the ratio between the value of the property and the amount of loan you take out, shown as a %. For example, a £100,000 property with an £80,000 mortgage would have an 80% LTV.
Mortgages with a lower LTV will likely have lower mortgage rates than higher LTV mortgages.
Fixed-rate mortgages
A fixed-rate mortgage means that your payments will stay the same until the end date of the fixed-rate period, even if interest rates change.
Mortgage
|
Initial interest rate | Followed by a Variable Rate, currently | Initial interest rate period | Overall cost for comparison (APRC) | Booking fee | Annual overpayment allowance | Cashback | Maximum loan amount (subject to LTV and Lending Policy) | |
|---|---|---|---|---|---|---|---|---|---|
| 2 Year Fixed Fee Saver |
4.58% |
6.99% |
2 Years fixed rate until 31.12.2026 |
6.7% APRC |
£0 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| 2 Year Fixed Standard |
4.32% |
6.99% |
2 Years fixed rate until 31.12.2026 |
6.7% APRC |
£999 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| 5 Year Fixed Fee Saver |
4.29% |
6.99% |
5 Years fixed rate until 31.12.2029 |
6.0% APRC |
£0 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| 5 Year Fixed Standard |
4.15% |
6.99% |
5 Years fixed rate until 31.12.2029 |
6.0% APRC |
£999 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| 5 Year Fixed Premier Standard |
4.12% |
6.99% |
5 Years fixed rate until 31.12.2029 |
6.0% APRC |
£1499 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
Mortgage
|
2 Year Fixed Fee Saver |
|---|---|
| Initial interest rate |
4.58% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
2 Years fixed rate until 31.12.2026 |
| Overall cost for comparison (APRC) |
6.7% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
Mortgage
|
2 Year Fixed Standard |
| Initial interest rate |
4.32% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
2 Years fixed rate until 31.12.2026 |
| Overall cost for comparison (APRC) |
6.7% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
Mortgage
|
5 Year Fixed Fee Saver |
| Initial interest rate |
4.29% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
5 Years fixed rate until 31.12.2029 |
| Overall cost for comparison (APRC) |
6.0% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
Mortgage
|
5 Year Fixed Standard |
| Initial interest rate |
4.15% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
5 Years fixed rate until 31.12.2029 |
| Overall cost for comparison (APRC) |
6.0% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
Mortgage
|
5 Year Fixed Premier Standard |
| Initial interest rate |
4.12% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
5 Years fixed rate until 31.12.2029 |
| Overall cost for comparison (APRC) |
6.0% APRC |
| Booking fee |
£1499 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
| Mortgage | Initial interest rate | Followed by a Variable Rate, currently | Initial interest rate period | Overall cost for comparison (APRC) | Booking fee | Annual overpayment allowance | Cashback | Maximum loan amount (subject to LTV and Lending Policy) | |
|---|---|---|---|---|---|---|---|---|---|
| 2 Year Fixed Fee Saver |
4.78% |
6.99% |
2 Years fixed rate until 31.12.2026 |
6.8% APRC |
£0 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| 2 Year Fixed Standard |
4.49% |
6.99% |
2 Years fixed rate until 31.12.2026 |
6.8% APRC |
£999 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| 5 Year Fixed Fee Saver |
4.39% |
6.99% |
5 Years fixed rate until 31.12.2029 |
6.0% APRC |
£0 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| 5 Year Fixed Standard |
4.25% |
6.99% |
5 Years fixed rate until 31.12.2029 |
6.0% APRC |
£999 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| 5 Year Fixed Premier Standard |
4.22% |
6.99% |
5 Years fixed rate until 31.12.2029 |
6.1% APRC |
£1499 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| Mortgage |
2 Year Fixed Fee Saver |
|---|---|
| Initial interest rate |
4.78% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
2 Years fixed rate until 31.12.2026 |
| Overall cost for comparison (APRC) |
6.8% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
| Mortgage |
2 Year Fixed Standard |
| Initial interest rate |
4.49% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
2 Years fixed rate until 31.12.2026 |
| Overall cost for comparison (APRC) |
6.8% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Fee Saver |
| Initial interest rate |
4.39% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
5 Years fixed rate until 31.12.2029 |
| Overall cost for comparison (APRC) |
6.0% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Standard |
| Initial interest rate |
4.25% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
5 Years fixed rate until 31.12.2029 |
| Overall cost for comparison (APRC) |
6.0% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Premier Standard |
| Initial interest rate |
4.22% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
5 Years fixed rate until 31.12.2029 |
| Overall cost for comparison (APRC) |
6.1% APRC |
| Booking fee |
£1499 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
| Mortgage | Initial interest rate | Followed by a Variable Rate, currently | Initial interest rate period | Overall cost for comparison (APRC) | Booking fee | Annual overpayment allowance | Cashback | Maximum loan amount (subject to LTV and Lending Policy) | |
|---|---|---|---|---|---|---|---|---|---|
| 2 Year Fixed Fee Saver |
4.78% |
6.99% |
2 Years fixed rate until 31.12.2026 |
6.8% APRC |
£0 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| 2 Year Fixed Standard |
4.49% |
6.99% |
2 Years fixed rate until 31.12.2026 |
6.8% APRC |
£999 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| 5 Year Fixed Fee Saver |
4.39% |
6.99% |
5 Years fixed rate until 31.12.2029 |
6.0% APRC |
£0 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| 5 Year Fixed Standard |
4.25% |
6.99% |
5 Years fixed rate until 31.12.2029 |
6.0% APRC |
£999 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| 5 Year Fixed Premier Standard |
4.22% |
6.99% |
5 Years fixed rate until 31.12.2029 |
6.1%
|
£1499 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| Mortgage |
2 Year Fixed Fee Saver |
|---|---|
| Initial interest rate |
4.78% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
2 Years fixed rate until 31.12.2026 |
| Overall cost for comparison (APRC) |
6.8% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
| Mortgage |
2 Year Fixed Standard |
| Initial interest rate |
4.49% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
2 Years fixed rate until 31.12.2026 |
| Overall cost for comparison (APRC) |
6.8% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Fee Saver |
| Initial interest rate |
4.39% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
5 Years fixed rate until 31.12.2029 |
| Overall cost for comparison (APRC) |
6.0% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Standard |
| Initial interest rate |
4.25% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
5 Years fixed rate until 31.12.2029 |
| Overall cost for comparison (APRC) |
6.0% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Premier Standard |
| Initial interest rate |
4.22% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
5 Years fixed rate until 31.12.2029 |
| Overall cost for comparison (APRC) |
6.1%
|
| Booking fee |
£1499 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
| Mortgage | Initial interest rate | Followed by a Variable Rate, currently | Initial interest rate period | Overall cost for comparison (APRC) | Booking fee | Annual overpayment allowance | Cashback | Maximum loan amount (subject to LTV and Lending Policy) | |
|---|---|---|---|---|---|---|---|---|---|
| 2 Year Fixed Fee Saver |
5.08% |
6.99% |
2 Years fixed rate until 31.12.2026 |
6.8% APRC |
£0 |
10% |
£250 | £ 1,000,000 |
Get a decision in principle |
| 2 Year Fixed Standard |
4.77% fixed |
6.99% |
2 Years fixed rate until 31.12.2026 |
6.8% APRC |
£999 |
10% |
£250 | £ 1,000,000 |
Get a decision in principle |
| 5 Year Fixed Fee Saver |
4.62% |
6.99% |
5 Years fixed rate until 31.12.2029 |
6.1% APRC |
£0 |
10% |
£350 | £ 1,000,000 |
Get a decision in principle |
| 5 Year Fixed Standard |
4.46% |
6.99% |
5 Years fixed rate until 31.12.2029 |
6.1% APRC |
£999 |
10% |
£350 | £ 1,000,000 |
Get a decision in principle |
| 5 Year Fixed Premier Standard |
4.43% |
6.99% |
5 Years fixed rate until 31.12.2029 |
6.2%
|
£1499 |
10% |
£0 | £ 1,000,000 |
Get a decision in principle |
| Mortgage |
2 Year Fixed Fee Saver |
|---|---|
| Initial interest rate |
5.08% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
2 Years fixed rate until 31.12.2026 |
| Overall cost for comparison (APRC) |
6.8% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £250 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
|
Get a decision in principle |
|
| Mortgage |
2 Year Fixed Standard |
| Initial interest rate |
4.77% fixed |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
2 Years fixed rate until 31.12.2026 |
| Overall cost for comparison (APRC) |
6.8% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £250 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Fee Saver |
| Initial interest rate |
4.62% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
5 Years fixed rate until 31.12.2029 |
| Overall cost for comparison (APRC) |
6.1% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £350 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Standard |
| Initial interest rate |
4.46% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
5 Years fixed rate until 31.12.2029 |
| Overall cost for comparison (APRC) |
6.1% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £350 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Premier Standard |
| Initial interest rate |
4.43% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
5 Years fixed rate until 31.12.2029 |
| Overall cost for comparison (APRC) |
6.2%
|
| Booking fee |
£1499 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
|
Get a decision in principle |
| Mortgage | Initial interest rate | Followed by a Variable Rate, currently | Initial interest rate period | Overall cost for comparison (APRC) | Booking fee | Annual overpayment allowance | Cashback | Maximum loan amount (subject to LTV and Lending Policy) | |
|---|---|---|---|---|---|---|---|---|---|
| 2 Year Fixed Fee Saver |
5.08% fixed |
6.99% |
2 Years fixed rate until 31.12.2026 |
6.8% APRC |
£0 |
10% |
£250 | £ 750,000 |
Get a decision in principle |
| 2 Year Fixed Standard |
4.77% |
6.99% |
2 Years fixed rate until 31.12.2026 |
6.8% APRC |
£999 |
10% |
£250 | £ 750,000 |
Get a decision in principle |
| 5 Year Fixed Fee Saver |
4.62% |
6.99% |
5 Years fixed rate until 31.12.2029 |
6.1% APRC |
£0 |
10% |
£350 | £ 750,000 |
Get a decision in principle |
| 5 Year Fixed Standard |
4.46% |
6.99% |
5 Years fixed rate until 31.12.2029 |
6.1% APRC |
£999 |
10% |
£350 | £ 750,000 |
Get a decision in principle |
| 5 Year Fixed Premier Standard |
4.43% |
6.99% |
5 Years fixed rate until 31.12.2029 |
6.2%
|
£1499 |
10% |
£0 | £ 750,000 |
Get a decision in principle |
| Mortgage |
2 Year Fixed Fee Saver |
|---|---|
| Initial interest rate |
5.08% fixed |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
2 Years fixed rate until 31.12.2026 |
| Overall cost for comparison (APRC) |
6.8% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £250 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 750,000 |
|
Get a decision in principle |
|
| Mortgage |
2 Year Fixed Standard |
| Initial interest rate |
4.77% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
2 Years fixed rate until 31.12.2026 |
| Overall cost for comparison (APRC) |
6.8% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £250 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 750,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Fee Saver |
| Initial interest rate |
4.62% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
5 Years fixed rate until 31.12.2029 |
| Overall cost for comparison (APRC) |
6.1% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £350 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 750,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Standard |
| Initial interest rate |
4.46% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
5 Years fixed rate until 31.12.2029 |
| Overall cost for comparison (APRC) |
6.1% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £350 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 750,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Premier Standard |
| Initial interest rate |
4.43% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
5 Years fixed rate until 31.12.2029 |
| Overall cost for comparison (APRC) |
6.2%
|
| Booking fee |
£1499 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 750,000 |
|
Get a decision in principle |
| Mortgage | Initial interest rate | Followed by a Variable Rate, currently | Initial interest rate period | Overall cost for comparison (APRC) | Booking fee | Annual overpayment allowance | Cashback | Maximum loan amount (subject to LTV and Lending Policy) | |
|---|---|---|---|---|---|---|---|---|---|
| 2 Year Fixed Fee Saver |
5.54% |
6.99% |
2 Years fixed rate until 31.12.2026 |
6.9%
|
£0 |
10% |
£250 | £ 550,000 |
Get a decision in principle |
| 2 Year Fixed Standard |
5.33% |
6.99% |
2 Years fixed rate until 31.12.2026 |
6.9% APRC |
£999 |
10% |
£250 | £ 550,000 |
Get a decision in principle |
| 5 Year Fixed Fee Saver |
5.00% |
6.99% |
5 Years fixed rate until 31.12.2029 |
6.3%
|
£0 |
10% |
£350 | £ 550,000 |
Get a decision in principle |
| 5 Year Fixed Standard |
4.85% |
6.99% |
5 Years fixed rate until 31.12.2029 |
6.3%
|
£999 |
10% |
£350 | £ 550,000 |
Get a decision in principle |
| 5 Year Fixed Premier Standard |
4.82% |
6.99% |
5 Years fixed rate until 31.12.2029 |
6.3%
|
£1499 |
10% |
£0 | £ 550,000 |
Get a decision in principle |
| Mortgage |
2 Year Fixed Fee Saver |
|---|---|
| Initial interest rate |
5.54% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
2 Years fixed rate until 31.12.2026 |
| Overall cost for comparison (APRC) |
6.9%
|
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £250 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 550,000 |
|
Get a decision in principle |
|
| Mortgage |
2 Year Fixed Standard |
| Initial interest rate |
5.33% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
2 Years fixed rate until 31.12.2026 |
| Overall cost for comparison (APRC) |
6.9% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £250 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 550,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Fee Saver |
| Initial interest rate |
5.00% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
5 Years fixed rate until 31.12.2029 |
| Overall cost for comparison (APRC) |
6.3%
|
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £350 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 550,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Standard |
| Initial interest rate |
4.85% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
5 Years fixed rate until 31.12.2029 |
| Overall cost for comparison (APRC) |
6.3%
|
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £350 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 550,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Premier Standard |
| Initial interest rate |
4.82% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
5 Years fixed rate until 31.12.2029 |
| Overall cost for comparison (APRC) |
6.3%
|
| Booking fee |
£1499 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 550,000 |
|
Get a decision in principle |
| Mortgage | Initial interest rate | Followed by a Variable Rate, currently | Initial interest rate period | Overall cost for comparison (APRC) | Booking fee | Annual overpayment allowance | Cashback | Maximum loan amount (subject to LTV and Lending Policy) | |
|---|---|---|---|---|---|---|---|---|---|
| 2 Year Fixed Fee Saver | 5.85% fixed |
6.99% | 2 Years fixed rate until 31.12.2026 | 7.0% APRC |
£0 | 10% | £500 | £ 500,000 | Get a decision in principle |
| 5 Year Fixed Fee Saver |
5.36% |
6.99% |
5 Years fixed rate until 31.12.2029 |
6.5%
|
£0 |
10% |
£500 | £ 500,000 |
Get a decision in principle |
| Mortgage | 2 Year Fixed Fee Saver |
|---|---|
| Initial interest rate |
5.85% fixed |
| Followed by a Variable Rate, currently | 6.99% |
| Initial interest rate period | 2 Years fixed rate until 31.12.2026 |
| Overall cost for comparison (APRC) |
7.0% APRC |
| Booking fee | £0 |
| Annual overpayment allowance | 10% |
| Cashback | £500 |
| Maximum loan amount (subject to LTV and Lending Policy) | £ 500,000 |
| Get a decision in principle | |
| Mortgage |
5 Year Fixed Fee Saver |
| Initial interest rate |
5.36% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
5 Years fixed rate until 31.12.2029 |
| Overall cost for comparison (APRC) |
6.5%
|
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £500 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 500,000 |
| Get a decision in principle |
60% LTV
Mortgage
|
Initial interest rate | Followed by a Variable Rate, currently | Initial interest rate period | Overall cost for comparison (APRC) | Booking fee | Annual overpayment allowance | Cashback | Maximum loan amount (subject to LTV and Lending Policy) | |
|---|---|---|---|---|---|---|---|---|---|
| 2 Year Fixed Fee Saver |
4.58% |
6.99% |
2 Years fixed rate until 31.12.2026 |
6.7% APRC |
£0 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| 2 Year Fixed Standard |
4.32% |
6.99% |
2 Years fixed rate until 31.12.2026 |
6.7% APRC |
£999 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| 5 Year Fixed Fee Saver |
4.29% |
6.99% |
5 Years fixed rate until 31.12.2029 |
6.0% APRC |
£0 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| 5 Year Fixed Standard |
4.15% |
6.99% |
5 Years fixed rate until 31.12.2029 |
6.0% APRC |
£999 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| 5 Year Fixed Premier Standard |
4.12% |
6.99% |
5 Years fixed rate until 31.12.2029 |
6.0% APRC |
£1499 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
Mortgage
|
2 Year Fixed Fee Saver |
|---|---|
| Initial interest rate |
4.58% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
2 Years fixed rate until 31.12.2026 |
| Overall cost for comparison (APRC) |
6.7% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
Mortgage
|
2 Year Fixed Standard |
| Initial interest rate |
4.32% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
2 Years fixed rate until 31.12.2026 |
| Overall cost for comparison (APRC) |
6.7% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
Mortgage
|
5 Year Fixed Fee Saver |
| Initial interest rate |
4.29% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
5 Years fixed rate until 31.12.2029 |
| Overall cost for comparison (APRC) |
6.0% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
Mortgage
|
5 Year Fixed Standard |
| Initial interest rate |
4.15% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
5 Years fixed rate until 31.12.2029 |
| Overall cost for comparison (APRC) |
6.0% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
Mortgage
|
5 Year Fixed Premier Standard |
| Initial interest rate |
4.12% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
5 Years fixed rate until 31.12.2029 |
| Overall cost for comparison (APRC) |
6.0% APRC |
| Booking fee |
£1499 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
70% LTV
| Mortgage | Initial interest rate | Followed by a Variable Rate, currently | Initial interest rate period | Overall cost for comparison (APRC) | Booking fee | Annual overpayment allowance | Cashback | Maximum loan amount (subject to LTV and Lending Policy) | |
|---|---|---|---|---|---|---|---|---|---|
| 2 Year Fixed Fee Saver |
4.78% |
6.99% |
2 Years fixed rate until 31.12.2026 |
6.8% APRC |
£0 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| 2 Year Fixed Standard |
4.49% |
6.99% |
2 Years fixed rate until 31.12.2026 |
6.8% APRC |
£999 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| 5 Year Fixed Fee Saver |
4.39% |
6.99% |
5 Years fixed rate until 31.12.2029 |
6.0% APRC |
£0 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| 5 Year Fixed Standard |
4.25% |
6.99% |
5 Years fixed rate until 31.12.2029 |
6.0% APRC |
£999 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| 5 Year Fixed Premier Standard |
4.22% |
6.99% |
5 Years fixed rate until 31.12.2029 |
6.1% APRC |
£1499 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| Mortgage |
2 Year Fixed Fee Saver |
|---|---|
| Initial interest rate |
4.78% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
2 Years fixed rate until 31.12.2026 |
| Overall cost for comparison (APRC) |
6.8% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
| Mortgage |
2 Year Fixed Standard |
| Initial interest rate |
4.49% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
2 Years fixed rate until 31.12.2026 |
| Overall cost for comparison (APRC) |
6.8% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Fee Saver |
| Initial interest rate |
4.39% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
5 Years fixed rate until 31.12.2029 |
| Overall cost for comparison (APRC) |
6.0% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Standard |
| Initial interest rate |
4.25% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
5 Years fixed rate until 31.12.2029 |
| Overall cost for comparison (APRC) |
6.0% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Premier Standard |
| Initial interest rate |
4.22% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
5 Years fixed rate until 31.12.2029 |
| Overall cost for comparison (APRC) |
6.1% APRC |
| Booking fee |
£1499 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
75% LTV
| Mortgage | Initial interest rate | Followed by a Variable Rate, currently | Initial interest rate period | Overall cost for comparison (APRC) | Booking fee | Annual overpayment allowance | Cashback | Maximum loan amount (subject to LTV and Lending Policy) | |
|---|---|---|---|---|---|---|---|---|---|
| 2 Year Fixed Fee Saver |
4.78% |
6.99% |
2 Years fixed rate until 31.12.2026 |
6.8% APRC |
£0 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| 2 Year Fixed Standard |
4.49% |
6.99% |
2 Years fixed rate until 31.12.2026 |
6.8% APRC |
£999 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| 5 Year Fixed Fee Saver |
4.39% |
6.99% |
5 Years fixed rate until 31.12.2029 |
6.0% APRC |
£0 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| 5 Year Fixed Standard |
4.25% |
6.99% |
5 Years fixed rate until 31.12.2029 |
6.0% APRC |
£999 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| 5 Year Fixed Premier Standard |
4.22% |
6.99% |
5 Years fixed rate until 31.12.2029 |
6.1%
|
£1499 |
10% |
£0 | £ 2,000,000 |
Get a decision in principle |
| Mortgage |
2 Year Fixed Fee Saver |
|---|---|
| Initial interest rate |
4.78% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
2 Years fixed rate until 31.12.2026 |
| Overall cost for comparison (APRC) |
6.8% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
| Mortgage |
2 Year Fixed Standard |
| Initial interest rate |
4.49% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
2 Years fixed rate until 31.12.2026 |
| Overall cost for comparison (APRC) |
6.8% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Fee Saver |
| Initial interest rate |
4.39% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
5 Years fixed rate until 31.12.2029 |
| Overall cost for comparison (APRC) |
6.0% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Standard |
| Initial interest rate |
4.25% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
5 Years fixed rate until 31.12.2029 |
| Overall cost for comparison (APRC) |
6.0% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Premier Standard |
| Initial interest rate |
4.22% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
5 Years fixed rate until 31.12.2029 |
| Overall cost for comparison (APRC) |
6.1%
|
| Booking fee |
£1499 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 2,000,000 |
|
Get a decision in principle |
80% LTV
| Mortgage | Initial interest rate | Followed by a Variable Rate, currently | Initial interest rate period | Overall cost for comparison (APRC) | Booking fee | Annual overpayment allowance | Cashback | Maximum loan amount (subject to LTV and Lending Policy) | |
|---|---|---|---|---|---|---|---|---|---|
| 2 Year Fixed Fee Saver |
5.08% |
6.99% |
2 Years fixed rate until 31.12.2026 |
6.8% APRC |
£0 |
10% |
£250 | £ 1,000,000 |
Get a decision in principle |
| 2 Year Fixed Standard |
4.77% fixed |
6.99% |
2 Years fixed rate until 31.12.2026 |
6.8% APRC |
£999 |
10% |
£250 | £ 1,000,000 |
Get a decision in principle |
| 5 Year Fixed Fee Saver |
4.62% |
6.99% |
5 Years fixed rate until 31.12.2029 |
6.1% APRC |
£0 |
10% |
£350 | £ 1,000,000 |
Get a decision in principle |
| 5 Year Fixed Standard |
4.46% |
6.99% |
5 Years fixed rate until 31.12.2029 |
6.1% APRC |
£999 |
10% |
£350 | £ 1,000,000 |
Get a decision in principle |
| 5 Year Fixed Premier Standard |
4.43% |
6.99% |
5 Years fixed rate until 31.12.2029 |
6.2%
|
£1499 |
10% |
£0 | £ 1,000,000 |
Get a decision in principle |
| Mortgage |
2 Year Fixed Fee Saver |
|---|---|
| Initial interest rate |
5.08% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
2 Years fixed rate until 31.12.2026 |
| Overall cost for comparison (APRC) |
6.8% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £250 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
|
Get a decision in principle |
|
| Mortgage |
2 Year Fixed Standard |
| Initial interest rate |
4.77% fixed |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
2 Years fixed rate until 31.12.2026 |
| Overall cost for comparison (APRC) |
6.8% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £250 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Fee Saver |
| Initial interest rate |
4.62% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
5 Years fixed rate until 31.12.2029 |
| Overall cost for comparison (APRC) |
6.1% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £350 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Standard |
| Initial interest rate |
4.46% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
5 Years fixed rate until 31.12.2029 |
| Overall cost for comparison (APRC) |
6.1% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £350 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Premier Standard |
| Initial interest rate |
4.43% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
5 Years fixed rate until 31.12.2029 |
| Overall cost for comparison (APRC) |
6.2%
|
| Booking fee |
£1499 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 1,000,000 |
|
Get a decision in principle |
85% LTV
| Mortgage | Initial interest rate | Followed by a Variable Rate, currently | Initial interest rate period | Overall cost for comparison (APRC) | Booking fee | Annual overpayment allowance | Cashback | Maximum loan amount (subject to LTV and Lending Policy) | |
|---|---|---|---|---|---|---|---|---|---|
| 2 Year Fixed Fee Saver |
5.08% fixed |
6.99% |
2 Years fixed rate until 31.12.2026 |
6.8% APRC |
£0 |
10% |
£250 | £ 750,000 |
Get a decision in principle |
| 2 Year Fixed Standard |
4.77% |
6.99% |
2 Years fixed rate until 31.12.2026 |
6.8% APRC |
£999 |
10% |
£250 | £ 750,000 |
Get a decision in principle |
| 5 Year Fixed Fee Saver |
4.62% |
6.99% |
5 Years fixed rate until 31.12.2029 |
6.1% APRC |
£0 |
10% |
£350 | £ 750,000 |
Get a decision in principle |
| 5 Year Fixed Standard |
4.46% |
6.99% |
5 Years fixed rate until 31.12.2029 |
6.1% APRC |
£999 |
10% |
£350 | £ 750,000 |
Get a decision in principle |
| 5 Year Fixed Premier Standard |
4.43% |
6.99% |
5 Years fixed rate until 31.12.2029 |
6.2%
|
£1499 |
10% |
£0 | £ 750,000 |
Get a decision in principle |
| Mortgage |
2 Year Fixed Fee Saver |
|---|---|
| Initial interest rate |
5.08% fixed |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
2 Years fixed rate until 31.12.2026 |
| Overall cost for comparison (APRC) |
6.8% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £250 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 750,000 |
|
Get a decision in principle |
|
| Mortgage |
2 Year Fixed Standard |
| Initial interest rate |
4.77% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
2 Years fixed rate until 31.12.2026 |
| Overall cost for comparison (APRC) |
6.8% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £250 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 750,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Fee Saver |
| Initial interest rate |
4.62% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
5 Years fixed rate until 31.12.2029 |
| Overall cost for comparison (APRC) |
6.1% APRC |
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £350 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 750,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Standard |
| Initial interest rate |
4.46% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
5 Years fixed rate until 31.12.2029 |
| Overall cost for comparison (APRC) |
6.1% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £350 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 750,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Premier Standard |
| Initial interest rate |
4.43% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
5 Years fixed rate until 31.12.2029 |
| Overall cost for comparison (APRC) |
6.2%
|
| Booking fee |
£1499 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 750,000 |
|
Get a decision in principle |
90% LTV
| Mortgage | Initial interest rate | Followed by a Variable Rate, currently | Initial interest rate period | Overall cost for comparison (APRC) | Booking fee | Annual overpayment allowance | Cashback | Maximum loan amount (subject to LTV and Lending Policy) | |
|---|---|---|---|---|---|---|---|---|---|
| 2 Year Fixed Fee Saver |
5.54% |
6.99% |
2 Years fixed rate until 31.12.2026 |
6.9%
|
£0 |
10% |
£250 | £ 550,000 |
Get a decision in principle |
| 2 Year Fixed Standard |
5.33% |
6.99% |
2 Years fixed rate until 31.12.2026 |
6.9% APRC |
£999 |
10% |
£250 | £ 550,000 |
Get a decision in principle |
| 5 Year Fixed Fee Saver |
5.00% |
6.99% |
5 Years fixed rate until 31.12.2029 |
6.3%
|
£0 |
10% |
£350 | £ 550,000 |
Get a decision in principle |
| 5 Year Fixed Standard |
4.85% |
6.99% |
5 Years fixed rate until 31.12.2029 |
6.3%
|
£999 |
10% |
£350 | £ 550,000 |
Get a decision in principle |
| 5 Year Fixed Premier Standard |
4.82% |
6.99% |
5 Years fixed rate until 31.12.2029 |
6.3%
|
£1499 |
10% |
£0 | £ 550,000 |
Get a decision in principle |
| Mortgage |
2 Year Fixed Fee Saver |
|---|---|
| Initial interest rate |
5.54% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
2 Years fixed rate until 31.12.2026 |
| Overall cost for comparison (APRC) |
6.9%
|
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £250 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 550,000 |
|
Get a decision in principle |
|
| Mortgage |
2 Year Fixed Standard |
| Initial interest rate |
5.33% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
2 Years fixed rate until 31.12.2026 |
| Overall cost for comparison (APRC) |
6.9% APRC |
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £250 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 550,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Fee Saver |
| Initial interest rate |
5.00% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
5 Years fixed rate until 31.12.2029 |
| Overall cost for comparison (APRC) |
6.3%
|
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £350 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 550,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Standard |
| Initial interest rate |
4.85% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
5 Years fixed rate until 31.12.2029 |
| Overall cost for comparison (APRC) |
6.3%
|
| Booking fee |
£999 |
| Annual overpayment allowance |
10% |
| Cashback | £350 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 550,000 |
|
Get a decision in principle |
|
| Mortgage |
5 Year Fixed Premier Standard |
| Initial interest rate |
4.82% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
5 Years fixed rate until 31.12.2029 |
| Overall cost for comparison (APRC) |
6.3%
|
| Booking fee |
£1499 |
| Annual overpayment allowance |
10% |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 550,000 |
|
Get a decision in principle |
95% LTV
| Mortgage | Initial interest rate | Followed by a Variable Rate, currently | Initial interest rate period | Overall cost for comparison (APRC) | Booking fee | Annual overpayment allowance | Cashback | Maximum loan amount (subject to LTV and Lending Policy) | |
|---|---|---|---|---|---|---|---|---|---|
| 2 Year Fixed Fee Saver | 5.85% fixed |
6.99% | 2 Years fixed rate until 31.12.2026 | 7.0% APRC |
£0 | 10% | £500 | £ 500,000 | Get a decision in principle |
| 5 Year Fixed Fee Saver |
5.36% |
6.99% |
5 Years fixed rate until 31.12.2029 |
6.5%
|
£0 |
10% |
£500 | £ 500,000 |
Get a decision in principle |
| Mortgage | 2 Year Fixed Fee Saver |
|---|---|
| Initial interest rate |
5.85% fixed |
| Followed by a Variable Rate, currently | 6.99% |
| Initial interest rate period | 2 Years fixed rate until 31.12.2026 |
| Overall cost for comparison (APRC) |
7.0% APRC |
| Booking fee | £0 |
| Annual overpayment allowance | 10% |
| Cashback | £500 |
| Maximum loan amount (subject to LTV and Lending Policy) | £ 500,000 |
| Get a decision in principle | |
| Mortgage |
5 Year Fixed Fee Saver |
| Initial interest rate |
5.36% |
| Followed by a Variable Rate, currently |
6.99% |
| Initial interest rate period |
5 Years fixed rate until 31.12.2029 |
| Overall cost for comparison (APRC) |
6.5%
|
| Booking fee |
£0 |
| Annual overpayment allowance |
10% |
| Cashback | £500 |
| Maximum loan amount (subject to LTV and Lending Policy) |
£ 500,000 |
| Get a decision in principle |
Tracker mortgages
A tracker mortgage is a variable rate mortgage linked to the Bank of England base rate that rises or falls with it. This will affect your monthly repayments. Our tracker mortgages are available over a 2-year period.
| Mortgage | Initial interest rate |
Followed by a variable rate, currently |
Initial interest rate period |
Overall cost for comparison (APRC) |
Booking fee |
Cashback | Maximum loan amount (subject to LTV and Lending Policy) | |
|---|---|---|---|---|---|---|---|---|
| 2 Year Term Tracker Standard |
4.94% |
6.99% |
2 Years |
6.9% |
£999 |
£0 | £ 2,000,000 | Get a decision in principle |
| Mortgage |
2 Year Term Tracker Standard |
|---|---|
Initial interest rate |
4.94% |
Followed by a variable rate, currently |
6.99% |
Initial interest rate period |
2 Years |
Overall cost for comparison (APRC) |
6.9% |
Booking fee |
£999 |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) | £ 2,000,000 |
|
Get a decision in principle |
| Mortgage | Initial interest rate |
Followed by a variable rate, currently |
Initial interest rate period |
Overall cost for comparison (APRC) |
Booking fee |
Cashback | Maximum loan amount (subject to LTV and Lending Policy) | |
|---|---|---|---|---|---|---|---|---|
| 2 Year Term Tracker Standard |
5.04% |
6.99% |
2 Years |
6.9% |
£999 |
£0 | £ 2,000,000 | Get a decision in principle |
| Mortgage |
2 Year Term Tracker Standard |
|---|---|
Initial interest rate |
5.04% |
Followed by a variable rate, currently |
6.99% |
Initial interest rate period |
2 Years |
Overall cost for comparison (APRC) |
6.9% |
Booking fee |
£999 |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) | £ 2,000,000 |
|
Get a decision in principle |
| Mortgage | Initial interest rate |
Followed by a variable rate, currently |
Initial interest rate period |
Overall cost for comparison (APRC) |
Booking fee |
Cashback | Maximum loan amount (subject to LTV and Lending Policy) | |
|---|---|---|---|---|---|---|---|---|
| 2 Year Term Tracker Standard |
5.04% |
6.99% |
2 Years |
6.9% |
£999 |
£0 | £ 2,000,000 | Get a decision in principle |
| Mortgage |
2 Year Term Tracker Standard |
|---|---|
Initial interest rate |
5.04% |
Followed by a variable rate, currently |
6.99% |
Initial interest rate period |
2 Years |
Overall cost for comparison (APRC) |
6.9% |
Booking fee |
£999 |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) | £ 2,000,000 |
|
Get a decision in principle |
| Mortgage | Initial interest rate |
Followed by a variable rate, currently |
Initial interest rate period |
Overall cost for comparison (APRC) |
Booking fee |
Cashback | Maximum loan amount (subject to LTV and Lending Policy) | |
|---|---|---|---|---|---|---|---|---|
| 2 Year Term Tracker Standard |
5.14% |
6.99% |
2 Years |
6.9% |
£999 |
£0 | £ 1,000,000 | Get a decision in principle |
| Mortgage |
2 Year Term Tracker Standard |
|---|---|
Initial interest rate |
5.14% |
Followed by a variable rate, currently |
6.99% |
Initial interest rate period |
2 Years |
Overall cost for comparison (APRC) |
6.9% |
Booking fee |
£999 |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) | £ 1,000,000 |
|
Get a decision in principle |
| Mortgage | Initial interest rate |
Followed by a variable rate, currently |
Initial interest rate period |
Overall cost for comparison (APRC) |
Booking fee |
Cashback | Maximum loan amount (subject to LTV and Lending Policy) | |
|---|---|---|---|---|---|---|---|---|
| 2 Year Term Tracker Standard |
5.29% |
6.99% |
2 Years |
6.9% |
£999 |
£0 | £ 750,000 | Get a decision in principle |
| Mortgage |
2 Year Term Tracker Standard |
|---|---|
Initial interest rate |
5.29% |
Followed by a variable rate, currently |
6.99% |
Initial interest rate period |
2 Years |
Overall cost for comparison (APRC) |
6.9% |
Booking fee |
£999 |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) | £ 750,000 |
|
Get a decision in principle |
| Mortgage | Initial interest rate |
Followed by a variable rate, currently |
Initial interest rate period |
Overall cost for comparison (APRC) |
Booking fee |
Cashback | Maximum loan amount (subject to LTV and Lending Policy) | |
|---|---|---|---|---|---|---|---|---|
| 2 Year Term Tracker Standard |
5.64% |
6.99% |
2 Years |
7.0% |
£999 |
£0 | £ 550,000 | Get a decision in principle |
| Mortgage |
2 Year Term Tracker Standard |
|---|---|
Initial interest rate |
5.64% |
Followed by a variable rate, currently |
6.99% |
Initial interest rate period |
2 Years |
Overall cost for comparison (APRC) |
7.0% |
Booking fee |
£999 |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) | £ 550,000 |
|
Get a decision in principle |
60% LTV
| Mortgage | Initial interest rate |
Followed by a variable rate, currently |
Initial interest rate period |
Overall cost for comparison (APRC) |
Booking fee |
Cashback | Maximum loan amount (subject to LTV and Lending Policy) | |
|---|---|---|---|---|---|---|---|---|
| 2 Year Term Tracker Standard |
4.94% |
6.99% |
2 Years |
6.9% |
£999 |
£0 | £ 2,000,000 | Get a decision in principle |
| Mortgage |
2 Year Term Tracker Standard |
|---|---|
Initial interest rate |
4.94% |
Followed by a variable rate, currently |
6.99% |
Initial interest rate period |
2 Years |
Overall cost for comparison (APRC) |
6.9% |
Booking fee |
£999 |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) | £ 2,000,000 |
|
Get a decision in principle |
70% LTV
| Mortgage | Initial interest rate |
Followed by a variable rate, currently |
Initial interest rate period |
Overall cost for comparison (APRC) |
Booking fee |
Cashback | Maximum loan amount (subject to LTV and Lending Policy) | |
|---|---|---|---|---|---|---|---|---|
| 2 Year Term Tracker Standard |
5.04% |
6.99% |
2 Years |
6.9% |
£999 |
£0 | £ 2,000,000 | Get a decision in principle |
| Mortgage |
2 Year Term Tracker Standard |
|---|---|
Initial interest rate |
5.04% |
Followed by a variable rate, currently |
6.99% |
Initial interest rate period |
2 Years |
Overall cost for comparison (APRC) |
6.9% |
Booking fee |
£999 |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) | £ 2,000,000 |
|
Get a decision in principle |
75% LTV
| Mortgage | Initial interest rate |
Followed by a variable rate, currently |
Initial interest rate period |
Overall cost for comparison (APRC) |
Booking fee |
Cashback | Maximum loan amount (subject to LTV and Lending Policy) | |
|---|---|---|---|---|---|---|---|---|
| 2 Year Term Tracker Standard |
5.04% |
6.99% |
2 Years |
6.9% |
£999 |
£0 | £ 2,000,000 | Get a decision in principle |
| Mortgage |
2 Year Term Tracker Standard |
|---|---|
Initial interest rate |
5.04% |
Followed by a variable rate, currently |
6.99% |
Initial interest rate period |
2 Years |
Overall cost for comparison (APRC) |
6.9% |
Booking fee |
£999 |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) | £ 2,000,000 |
|
Get a decision in principle |
80% LTV
| Mortgage | Initial interest rate |
Followed by a variable rate, currently |
Initial interest rate period |
Overall cost for comparison (APRC) |
Booking fee |
Cashback | Maximum loan amount (subject to LTV and Lending Policy) | |
|---|---|---|---|---|---|---|---|---|
| 2 Year Term Tracker Standard |
5.14% |
6.99% |
2 Years |
6.9% |
£999 |
£0 | £ 1,000,000 | Get a decision in principle |
| Mortgage |
2 Year Term Tracker Standard |
|---|---|
Initial interest rate |
5.14% |
Followed by a variable rate, currently |
6.99% |
Initial interest rate period |
2 Years |
Overall cost for comparison (APRC) |
6.9% |
Booking fee |
£999 |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) | £ 1,000,000 |
|
Get a decision in principle |
85% LTV
| Mortgage | Initial interest rate |
Followed by a variable rate, currently |
Initial interest rate period |
Overall cost for comparison (APRC) |
Booking fee |
Cashback | Maximum loan amount (subject to LTV and Lending Policy) | |
|---|---|---|---|---|---|---|---|---|
| 2 Year Term Tracker Standard |
5.29% |
6.99% |
2 Years |
6.9% |
£999 |
£0 | £ 750,000 | Get a decision in principle |
| Mortgage |
2 Year Term Tracker Standard |
|---|---|
Initial interest rate |
5.29% |
Followed by a variable rate, currently |
6.99% |
Initial interest rate period |
2 Years |
Overall cost for comparison (APRC) |
6.9% |
Booking fee |
£999 |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) | £ 750,000 |
|
Get a decision in principle |
90% LTV
| Mortgage | Initial interest rate |
Followed by a variable rate, currently |
Initial interest rate period |
Overall cost for comparison (APRC) |
Booking fee |
Cashback | Maximum loan amount (subject to LTV and Lending Policy) | |
|---|---|---|---|---|---|---|---|---|
| 2 Year Term Tracker Standard |
5.64% |
6.99% |
2 Years |
7.0% |
£999 |
£0 | £ 550,000 | Get a decision in principle |
| Mortgage |
2 Year Term Tracker Standard |
|---|---|
Initial interest rate |
5.64% |
Followed by a variable rate, currently |
6.99% |
Initial interest rate period |
2 Years |
Overall cost for comparison (APRC) |
7.0% |
Booking fee |
£999 |
| Cashback | £0 |
| Maximum loan amount (subject to LTV and Lending Policy) | £ 550,000 |
|
Get a decision in principle |
Representative example
A repayment mortgage of £175,485.41 payable over 28 years initially on a fixed rate for 2 years at 5.95% and then on our current variable rate of 6.99% (variable) for the remaining 26 years would require 24 monthly payments of £1,074.60 and 311 monthly payments of £1,186.47 plus one final payment of £1,188.47.
The total amount payable would be £396,266.04 made up of the loan amount plus interest of £220,485.63 and a solicitors fee of £295.
In this example, the overall cost for comparison is 7.1% APRC representative.
Please note your actual costs and monthly repayments will vary.
Things to know
Key mortgage terms explained
We know that when it comes to choosing a mortgage, there's a lot of jargon to get your head around. That's why we've listed some common mortgage terms here.
Loan-to-value (LTV)
This represents the percentage of the property value you want to borrow. For example, a £100,000 property with an £80,000 mortgage would be an 80% LTV. The maximum LTV we'll lend you depends on your individual situation, the property, the loan you choose and the amount you borrow.
Initial interest rate
This is the initial percentage rate at which we calculate the interest on the mortgage.
Variable rate
When your initial mortgage rate ends, the interest on your mortgage will be calculated using the HSBC Standard Variable Rate or HSBC Buy to Let Variable rate. This will vary over the term of the loan and is set internally. HSBC Standard Variable Rate and HSBC Buy to Let Variable Rate do not track the Bank of England base rate.
Initial interest rate period
This is the period during which the fixed or tracker rate applies. For fixed and tracker rate mortgages, when the specified period expires, the rate will revert to the HSBC Standard Variable Rate/Buy-to-let Variable Rate.
Annual Percentage Rate of Charge (APRC)
The APRC represents the overall cost for comparison and can be used to compare mortgages.
Booking fee
A fee charged on some mortgages to secure a particular mortgage deal.
Annual overpayment allowance (AOA)
You'll have an annual overpayment allowance for fixed-rate mortgages equivalent to 10% of the outstanding balance of your mortgage. This is calculated annually on the date your fixed-rate period started. You can make additional payments during the fixed-rate period without incurring an early repayment charge (ERC). Anything over the 10% will incur an ERC, which is a charge you may have to pay if you repay the whole or part of your mortgage early. This includes if you move to a different HSBC mortgage rate, or move to a different lender during your fixed period. There's no early repayment charge for tracker mortgages.
Early repayment charges
Fixed-rate mortgages
You'll have an annual overpayment allowance (AOA) equivalent to 10% of the outstanding balance of your mortgage. This is calculated annually on the date your fixed-rate period started.
You can make additional payments during the fixed-rate period without incurring an early repayment charge (ERC).
Anything over the 10% will incur an ERC, which is a charge you may have to pay if you repay the whole or part of your mortgage early. This includes if you move to a different HSBC mortgage rate, or move to a different lender during your fixed period.
The ERC is calculated as 1% of the amount repaid early, above any annual overpayment allowance, for each remaining year of the period during which the ERC applies, reducing on a daily basis. However, (after taking your allowance into account) a maximum of 5% of your overpayment will be charged.
Tracker mortgages
No early repayment charge
There's no early repayment charge, so you can make unlimited overpayments. And you could pay your mortgage off early.
The end of the fixed period
Fixed-rate mortgages
When your fixed period ends the rate will move to the HSBC Standard Variable Rate, unless you switch your HSBC rate.
Tracker mortgages
The tracker mortgage will track the Bank of England base rate for a 2-year fixed period, then it will move to the HSBC Standard Variable Rate, unless you switch your HSBC rate.
Current standard variable rate
Our current standard variable rate for residential mortgages (which is referred to either as the HSBC Variable Rate or the HSBC Standard Variable Rate) is 6.99% effective from 1 March 2023. These rates only apply when a fixed or tracker rate no longer applies. |
Your mortgage illustration
The mortgage rate information on this page doesn't contain all of the details you need, so remember to read your individual mortgage illustration before you choose a mortgage.
To get your illustration, use our Find and Compare tool to generate an illustration for any of the mortgages shown.
Your mortgage illustration sets out the details of all associated rates and fees for a mortgage. This is in the same format for all lenders to enable you to easily compare mortgages.
How rate changes could affect your mortgage payments
If you have a fixed-rate mortgage, you’ll continue to pay the same amount each month during your fixed-rate period. You can book a new fixed rate up to 180 days before this period ends. That way, you avoid spending time on our Standard Variable Rate after your rate has expired and, as long as you don’t want to leave your existing fixed rate early, you won't incur early repayment charges.
If you have a tracker rate mortgage or a variable rate mortgage linked to the Bank of England base rate, the amount you pay may change when there are changes to the base rate.
If your mortgage is on our Standard Variable Rate, the amount you pay may change when this rate changes.
We’ll let you know if your interest rate changes and what effect that change will have on your monthly payments.
You can switch to a new rate if you’re on:
- a tracker rate
- a variable rate linked to the Bank of England base rate
- our Standard Variable Rate
You can do this without incurring an early repayment charge and with fee-free rate options.
Details about our current mortgage rates are online or you can give us a call on 0800 169 6333. Our lines are open Monday to Friday 08:00 to 20:00, Saturday and Sunday 09:00 to 17:00. We may monitor and record calls. Opening hours may vary.
Ready to apply?
First, you'll need a Decision in Principle (sometimes called an Agreement in Principle), then you can apply for your mortgage.
Think carefully before securing other debts against your home.
Your home may be repossessed if you do not keep up repayments on your mortgage.
If you've started your application already, you can pick up where you left off or update it online at any time.
Need some guidance?
Give our dedicated mortgage specialists a call on:
Our lines are open Monday to Friday 08:00 to 20:00, Saturday and Sunday 09:00 to 17:00. Calls may be monitored and recorded. Opening hours within the mortgage departments may vary.