Competitive mortgage rates, tailored advice, and tools to help you understand what you can borrow.
Your home may be repossessed if you do not keep up repayments.
Choose the right mortgage for your journey – whether you're buying, remortgaging or moving home
5% deposit mortgages available. Get a decision in principle online in minutes – no impact on your credit score.
Switch and save – we have exclusive rates for existing customers. No legal fees if you switch to us.
View remortgage deals
Competitive rates for landlords. Interest‑only options available. Maximum LTV 75%.
Check landlord eligibilityLink your savings to reduce interest – you could pay off your mortgage faster.
Learn about offsetYour home may be repossessed if you do not keep up repayments on your mortgage. All mortgages are subject to status and lending criteria. Fees and terms apply. We charge a £99 booking fee for most mortgages (waived for existing HSBC current account customers).
Representative example: a repayment mortgage of £150,000 over 25 years, initial rate 4.29% fixed for 2 years, then 6.74% variable for remaining term, would cost 24 monthly payments of £812, followed 276 monthly payments of £1,039. Total payable £286,000 (including fees). Actual rate depends on LTV and your circumstances.
Thousands of mortgage products – we’ll help you compare and switch, often with cashback offers.
Borrow between £1,000 and £25,000. Representative APR 5.6% – no early repayment charges.
Check your rate (soft search)
Enjoy 0% interest on balance transfers for up to 20 months (3% fee applies). Representative 19.9% APR variable.
Compare credit cardsTypical monthly costs based on borrowing amount:
All examples assume you borrow responsibly. Your actual rate depends on your circumstances.
Thinking of making energy-efficient home improvements? Our Green Personal Loan and Green Additional Borrowing (for mortgage customers) offer discounted rates for eco projects.
Quick answers to help you make informed decisions.
The ratio between your mortgage and the property value. Lower LTV often means better rates.
Yes, many HSBC mortgages allow overpayments up to 10% of balance annually without fee.
Typically 3% of transfer amount. We often have limited fee-free offers.
In a recent independent survey of 18 UK mortgage lenders, HSBC ranked in the top 3 for overall service and advice. 89% of our mortgage customers would recommend us*.
*Based on 2,500 HSBC mortgage customers surveyed Jan 2026.
Read the full mortgage service reportYour eligible deposits with HSBC UK Bank plc are protected up to a total of £85,000, or up to £170,000 for joint accounts, by the Financial Services Compensation Scheme.
This does not directly affect borrowing products, but we want you to bank with confidence. For mortgages, your home may be repossessed if you do not keep up repayments.
Find out moreSpeak to a borrowing specialist or use our online chat.