HSBC Mortgage

HSBC UK provides fixed and tracker rate mortgages from £25,000 to £5 million, with terms from 5 to 40 years and LTV ratios up to 95%. Available for first-time buyers, home movers and those remortgaging.

Last checked on September 4, 2026. We may earn a commission when you click through.

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✓ Competitive rates especially at 60-75% LTV ✓ Up to 95% LTV for first-time buyers ✓ Free standard valuation on most products
Representative APR Amount Term Type
4.29–6.49% £25k–£5M 60–480 mo mortgage
Best For

Borrowers with a 25%+ deposit looking for competitive high street rates with the security of a major bank.

Pros & Cons

Pros
  1. ✓ Competitive rates especially at 60-75% LTV
  2. ✓ Up to 95% LTV for first-time buyers
  3. ✓ Free standard valuation on most products
  4. ✓ Overpayments up to 10% per year without penalty
  5. ✓ Online application with Decision in Principle in minutes
Cons
  1. ✗ Rates less competitive at higher LTV bands
  2. ✗ Arrangement fees of £999 on some products
  3. ✗ No branch mortgage advice in all locations
  4. ✗ Limited flexibility on interest-only criteria

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