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
Mortgage HSBC UK Reviewed

HSBC Mortgage

Updated 1 month ago

APR Range

4.29–6.49%

Amount

£25k–£5M

Term

60–480 months

Type

mortgage

Check eligibility →

You'll be redirected to hsbc.co.uk

Our Verdict

One of the UK's largest mortgage lenders with competitive rates, particularly strong for those with larger deposits. The 95% LTV option makes it accessible for first-time buyers, though rates improve significantly at lower LTV bands.

Best For

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

Pros

  • Competitive rates especially at 60-75% LTV
  • Up to 95% LTV for first-time buyers
  • Free standard valuation on most products
  • Overpayments up to 10% per year without penalty
  • Online application with Decision in Principle in minutes

Cons

  • Rates less competitive at higher LTV bands
  • Arrangement fees of £999 on some products
  • No branch mortgage advice in all locations
  • Limited flexibility on interest-only criteria

About This Loan

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.

Requirements

  • 18+
  • UK resident
  • Proof of income
  • Minimum deposit 5%
  • Credit check

Check if you qualify

Check eligibility →

You'll be redirected to hsbc.co.uk

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