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HSBC Existing Borrower Mortgage Rates

We find you the best HSBC Existing Borrower Residential Mortgage Rates

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Today's HSBC mortgage rates

Rates shown as at 1 August 2026

HSBC 60% LTV Rates

				Action
2 years Tracker	4.05%	2 Years	£999	Apply Now
2 years Fixed	4.51%	31 Jul 28	£999	Apply Now
5 years Fixed	4.54%	31 Jul 31	£999	Apply Now
3 years Fixed	4.64%	31 Jul 29	£999	Apply Now
5 years Fixed	4.68%	31 Jul 31	No Fee	Apply Now
2 years Fixed	4.79%	31 Jul 28	No Fee	Apply Now
3 years Fixed	4.91%	31 Jul 29	No Fee	Apply Now
10 years Fixed	4.96%	31 Jul 36	£999	Apply Now
2 years Tracker	4.99%	2 Years	No Fee	Apply Now
10 years Fixed	5.06%	31 Jul 36	No Fee	Apply Now

HSBC 70% LTV Rates

				Action
2 years Tracker	4.17%	2 Years	£999	Apply Now
2 years Fixed	4.59%	31 Jul 28	£999	Apply Now
5 years Fixed	4.64%	31 Jul 31	£999	Apply Now
3 years Fixed	4.74%	31 Jul 29	£999	Apply Now
5 years Fixed	4.77%	31 Jul 31	No Fee	Apply Now
2 years Fixed	4.86%	31 Jul 28	No Fee	Apply Now
2 years Tracker	4.99%	2 Years	No Fee	Apply Now
10 years Fixed	5.01%	31 Jul 36	£999	Apply Now
3 years Fixed	5.04%	31 Jul 29	No Fee	Apply Now
10 years Fixed	5.16%	31 Jul 36	No Fee	Apply Now

HSBC 75% LTV Rates

				Action
2 years Tracker	4.17%	2 Years	£999	Apply Now
2 years Fixed	4.59%	31 Jul 28	£999	Apply Now
5 years Fixed	4.64%	31 Jul 31	£999	Apply Now
3 years Fixed	4.74%	31 Jul 29	£999	Apply Now
5 years Fixed	4.77%	31 Jul 31	No Fee	Apply Now
2 years Fixed	4.86%	31 Jul 28	No Fee	Apply Now
2 years Tracker	4.99%	2 Years	No Fee	Apply Now
10 years Fixed	5.01%	31 Jul 36	£999	Apply Now
3 years Fixed	5.04%	31 Jul 29	No Fee	Apply Now
10 years Fixed	5.16%	31 Jul 36	No Fee	Apply Now

HSBC 80% LTV Rates

				Action
2 years Tracker	4.40%	2 Years	£999	Apply Now
5 years Fixed	4.79%	31 Jul 31	£999	Apply Now
2 years Fixed	4.86%	31 Jul 28	£999	Apply Now
3 years Fixed	4.89%	31 Jul 29	£999	Apply Now
5 years Fixed	4.94%	31 Jul 31	No Fee	Apply Now
3 years Fixed	5.14%	31 Jul 29	No Fee	Apply Now
2 years Tracker	5.19%	2 Years	No Fee	Apply Now
2 years Fixed	5.24%	31 Jul 28	No Fee	Apply Now
10 years Fixed	5.34%	31 Jul 36	£999	Apply Now
10 years Fixed	5.49%	31 Jul 36	No Fee	Apply Now

HSBC 85% LTV Rates

				Action
2 years Tracker	4.40%	2 Years	£999	Apply Now
5 years Fixed	4.79%	31 Jul 31	£999	Apply Now
2 years Fixed	4.86%	31 Jul 28	£999	Apply Now
3 years Fixed	4.89%	31 Jul 29	£999	Apply Now
5 years Fixed	4.94%	31 Jul 31	No Fee	Apply Now
3 years Fixed	5.14%	31 Jul 29	No Fee	Apply Now
2 years Fixed	5.24%	31 Jul 28	No Fee	Apply Now
2 years Tracker	5.24%	2 Years	No Fee	Apply Now

HSBC 90% LTV Rates

				Action
2 years Tracker	4.59%	2 Years	£999	Apply Now
5 years Fixed	4.94%	31 Jul 31	£999	Apply Now
2 years Fixed	5.04%	31 Jul 28	£999	Apply Now
3 years Fixed	5.13%	31 Jul 29	£999	Apply Now
5 years Fixed	5.14%	31 Jul 31	No Fee	Apply Now
2 years Tracker	5.24%	2 Years	No Fee	Apply Now
3 years Fixed	5.27%	31 Jul 29	No Fee	Apply Now
2 years Fixed	5.33%	31 Jul 28	No Fee	Apply Now

HSBC 95% LTV Rates

				Action
5 years Fixed	5.16%	31 Jul 31	No Fee	Apply Now
2 years Tracker	5.34%	2 Years	No Fee	Apply Now
2 years Fixed	5.36%	31 Jul 28	No Fee	Apply Now
3 years Fixed	5.63%	31 Jul 29	No Fee	Apply Now

60% LTV


2 years Tracker	4.05%	£999
2 years Fixed	4.51%	£999
5 years Fixed	4.54%	£999
3 years Fixed	4.64%	£999

70% LTV


2 years Tracker	4.17%	£999
2 years Fixed	4.59%	£999
5 years Fixed	4.64%	£999
3 years Fixed	4.74%	£999

75% LTV


2 years Tracker	4.17%	£999
2 years Fixed	4.59%	£999
5 years Fixed	4.64%	£999
3 years Fixed	4.74%	£999

80% LTV


2 years Tracker	4.40%	£999
5 years Fixed	4.79%	£999
2 years Fixed	4.86%	£999
3 years Fixed	4.89%	£999

85% LTV


2 years Tracker	4.40%	£999
5 years Fixed	4.79%	£999
2 years Fixed	4.86%	£999
3 years Fixed	4.89%	£999

90% LTV


2 years Tracker	4.59%	£999
5 years Fixed	4.94%	£999
2 years Fixed	5.04%	£999
3 years Fixed	5.13%	£999

95% LTV


5 years Fixed	5.16%	No Fee
2 years Tracker	5.34%	No Fee
2 years Fixed	5.36%	No Fee
3 years Fixed	5.63%	No Fee

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Get HSBC rate alerts

Register for free email alerts on upcoming HSBC mortgage rate changes. Protect yourself against rate rises and secure the best mortgage rate possible - no obligation.

Why switch with A Mortgage Now?

Reserve your rate

Up to 90 days ahead.

Same-day request

Fast rate switch support.

Eligibility check

We check your options.

No credit checks

No credit search involved.

No valuation visit

Simple online process.

No solicitor

Usually not needed.

Why switch rate with A Mortgage Now?

Secure a better rate online, it's simple, fast and hassle free

Switch Rate Call 020 8979 9684

Switching your HSBC mortgage to a new product is usually a straightforward process. Existing HSBC customers can secure a new mortgage rate up to 90 days before their current mortgage product ends, helping protect against future rate increases while retaining the flexibility to benefit if rates improve before completion.

Eligibility to switch your HSBC mortgage rate

You may be eligible to switch your HSBC mortgage rate provided your mortgage meets HSBC's product transfer criteria.

You will generally not be eligible if:

Your mortgage account is in arrears.
You have consent to let on a residential mortgage.
Your mortgage has more than six loan parts.
There are more than two applicants on the mortgage.
Your mortgage has fewer than two monthly payments remaining.

How our HSBC mortgage switch service works

Once you contact our team, we will obtain details of the mortgage products currently available to you from HSBC and explain each option in clear, straightforward language.

We will help you compare the available products, answer any questions you may have and identify the mortgage rate most suitable for your circumstances.

Once you have selected your preferred mortgage product, we will arrange for your HSBC mortgage offer to be issued and guide you through the remaining stages of the application process.

Benefits of switching your HSBC mortgage rate

Secure your new mortgage rate up to 90 days before your current deal ends.
Protect yourself against future mortgage rate increases.
If HSBC improves its mortgage rates before completion, you may be able to move onto the lower rate.
The process is generally much quicker and simpler than arranging a full remortgage.

Why use our service?

Our HSBC mortgage product transfer service is completely free of charge.
We review all mortgage products available specifically for your account.
We explain your options in clear, straightforward language.
We manage the application from start to finish.
Where appropriate, we can also compare your HSBC mortgage options with products available across the wider UK mortgage market.

Other Mortgage Lender Rates

Quick links to other lender product transfer pages.

Accord Mortgages Aldermore Mortgages Barclays Mortgages Bluestone Mortgages Co-Op Platform Coventry BS Mortgages Halifax Mortgages Kent Reliance Mortgages Leeds BS Mortgages Lloyds Mortgage Rates NatWest Mortgages Nationwide Mortgages Newcastle BS Pepper Money Precise Mortgages Santander Mortgages Scottish Widows Skipton Mortgages The Mortgage Lender Vida Homeloans Virgin Money Mortgages

Other Buy To Let Mortgage Lender Rates

Accord Buy to Let Rates Barclays Buy to Let Rates BM Solutions Godiva Mortgages HSBC Buy to Let Mortgage Rates NatWest Buy To Let Rates Newcastle BTL Mortgage rates Paragon Bank Mortgages Santander Buy to Let rates Skipton Buy to Let Mortgage Rates The Mortgage Works Virgin Money Buy to Let Rates

1 Year Fixed	1.00%	until 30/06/27
2 Year Fixed	2.00%	until 30/06/28
5 Year Fixed	4.00%	until 30/06/31
10 Year Fixed	6.00%	until 30/06/36