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Remortgage rates

We offer a range of award-winning mortgages, with our latest rates if you're looking to remortgage

Find the best mortgage rate for you

The rates below are available to people looking to remortgage to HSBC. You'll be considered a remortgage customer if your mortgage is with another provider and you're looking to switch to us, or borrow more for your current home. 

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 looking to remortgage? 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.

Our LTV calculator can help you see what rates may be available to you. If your LTV falls between two bands, you should use the highest band, eg use the 90% LTV rates if your LTV was 89%.

dpws-tools-calculator-creator

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.

60% Maximum Loan to Value (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 Incentives Maximum loan amount (subject to LTV and Lending Policy)  
2 Year Fixed Fee Saver

4.69%
fixed

6.99%

2 Years fixed rate until 28.02.2027

6.70%
APRC

£0

10%

Standard Legal Fees*

£ 2,000,000

Get a decision in principle
2 Year Fixed Fee Saver

4.69%
fixed

6.99%

2 Years fixed rate until 28.02.2027

6.70%
APRC

£0

10%

Cashback £300

£ 2,000,000

Get a decision in principle
2 Year Fixed Standard

4.34%
fixed

6.99%

2 Years fixed rate until 28.02.2027

6.70%
APRC

£999

10%

Standard Legal Fees*

£ 2,000,000

Get a decision in principle
2 Year Fixed Standard

4.34%
fixed

6.99%

2 Years fixed rate until 28.02.2027

6.70%
APRC

£999

10%

Cashback £300

£ 2,000,000

Get a decision in principle
5 Year Fixed Fee Saver

4.39%
fixed

6.99%

5 Years fixed rate until 28.02.2030

6.00%
APRC

£0

10%

Standard Legal Fees*

£ 2,000,000

Get a decision in principle
5 Year Fixed Fee Saver

4.39%
fixed

6.99%

5 Years fixed rate until 28.02.2030

6.00%
APRC

£0

10%

Cashback £300

£ 2,000,000

Get a decision in principle
5 Year Fixed Standard

4.19%
fixed

6.99%

5 Years fixed rate until 28.02.2030

6.00%
APRC

£999

10%

Standard Legal Fees*

£ 2,000,000

Get a decision in principle
5 Year Fixed Standard

4.19%
fixed

6.99%

5 Years fixed rate until 28.02.2030

6.00%
APRC

£999

10%

Cashback £300

£ 2,000,000

Get a decision in principle
5 Year Fixed Premier Standard

4.16%
fixed

6.99%

5 Years fixed rate until 28.02.2030

6.00%
APRC

£1499

10%

Standard Legal Fees*

£ 2,000,000

Get a decision in principle
60% Maximum Loan to Value (LTV)
Mortgage 2 Year Fixed Fee Saver
Initial interest rate

4.69%
fixed

Followed by a Variable Rate, currently

6.99%

Initial interest rate period

2 Years fixed rate until 28.02.2027

Overall cost for comparison (APRC) 6.70%
APRC
Booking fee

£0

Annual overpayment allowance

10%

Incentives Standard Legal Fees*
Maximum loan amount (subject to LTV and Lending Policy)

£ 2,000,000

  Get a decision in principle
Mortgage 2 Year Fixed Fee Saver
Initial interest rate

4.69%
fixed

Followed by a Variable Rate, currently

6.99%

Initial interest rate period

2 Years fixed rate until 28.02.2027

Overall cost for comparison (APRC) 6.70%
APRC
Booking fee

£0

Annual overpayment allowance

10%

Incentives Cashback £300
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

4.34%
fixed

Followed by a Variable Rate, currently

6.99%

Initial interest rate period

2 Years fixed rate until 28.02.2027

Overall cost for comparison (APRC) 6.70%
APRC

Booking fee

£999

Annual overpayment allowance

10%

Incentives Standard Legal Fees*
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

4.34%
fixed

Followed by a Variable Rate, currently

6.99%

Initial interest rate period

2 Years fixed rate until 28.02.2027

Overall cost for comparison (APRC) 6.70%
APRC

Booking fee

£999

Annual overpayment allowance

10%

Incentives Cashback £300
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%
fixed

Followed by a Variable Rate, currently

6.99%

Initial interest rate period

5 Years fixed rate until 28.02.2030

Overall cost for comparison (APRC) 6.00%
APRC
Booking fee

£0

Annual overpayment allowance

10%

Incentives Standard Legal Fees*
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%
fixed

Followed by a Variable Rate, currently

6.99%

Initial interest rate period

5 Years fixed rate until 28.02.2030

Overall cost for comparison (APRC) 6.00%
APRC
Booking fee

£0

Annual overpayment allowance

10%

Incentives Cashback £300
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

4.19%
fixed

Followed by a Variable Rate, currently

6.99%

Initial interest rate period

5 Years fixed rate until 28.02.2030

Overall cost for comparison (APRC) 6.00%
APRC
Booking fee

£999

Annual overpayment allowance

10%

Incentives Standard Legal Fees*
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

4.19%
fixed

Followed by a Variable Rate, currently

6.99%

Initial interest rate period

5 Years fixed rate until 28.02.2030

Overall cost for comparison (APRC) 6.00%
APRC
Booking fee

£999

Annual overpayment allowance

10%

Incentives Cashback £300
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

4.16%
fixed

Followed by a Variable Rate, currently

6.99%

Initial interest rate period

5 Years fixed rate until 28.02.2030

Overall cost for comparison (APRC) 6.00%
APRC
Booking fee

£1499

Annual overpayment allowance

10%

Incentives Standard Legal Fees*
Maximum loan amount (subject to LTV and Lending Policy)

£ 2,000,000

  Get a decision in principle

*Standard Legal Fees means the bank will appoint a solicitor for you and all standard legal fees will be covered by us. This includes the legal processing fee, search and land registry fees and telegraphic transfer fee. For more information please visit What Is Conveyancing And How Does It Work? | Property Searches – HSBC UK

**Cashback means you will receive an amount of cash back after your mortgage has drawn down. You will also need to instruct and pay for your own solicitor to act on your behalf, and they must meet our criteria. For more information please visit What Is Conveyancing And How Does It Work? | Property Searches – HSBC UK

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.

60% Maximum Loan to Value (LTV)
Mortgage

Initial interest rate

Followed by a variable rate, currently

Initial interest rate period

Overall cost for comparison (APRC)

Booking fee

Incentives

Maximum loan amount (subject to LTV and Lending Policy)

 
2 Year Term Tracker Standard

4.99%
variable

6.99%

2 Years

6.90%
APRC

£999

Standard Legal Fees*

£ 2,000,000

Get a decision in principle
60% Maximum Loan to Value (LTV)
Mortgage 2 Year Term Tracker Standard

Initial interest rate

4.99%
variable

Followed by a variable rate, currently

6.99%

Initial interest rate period

2 Years

Overall cost for comparison (APRC)

6.90%
APRC

Booking fee

£999

Incentives Standard Legal Fees*

Maximum loan amount (subject to LTV and Lending Policy)

£ 2,000,000

  Get a decision in principle

*Standard Legal Fees means the bank will appoint a solicitor for you and all standard legal fees will be covered by us. This includes the legal processing fee, search and land registry fees and telegraphic transfer fee. For more information please visit What Is Conveyancing And How Does It Work? | Property Searches – HSBC UK

Representative example

A repayment mortgage of £175,000.00 payable over 33 years and 4 months initially on a fixed rate for 2 years at 5.90% and then on our current variable rate of 6.99% (variable) for the remaining 31 years and 4 months would require 24 monthly payments of £1,001.85 and 375 monthly payments of £1,126.09 plus one final payment of £1,127.65.

The total amount payable would be £447,750.80 made up of the loan amount plus interest of £272,455.80 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

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. We may monitor and record calls. Opening hours may vary.

It's easy to answer your query online. Visit our Help page to find out how.