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HSBC is one of the largest banks in the world and offers mortgages to a variety of customers, including first time buyers, current homeowners, and buy to let landlords.

This makes our LTV . Invalid LTV.

Call Post Office 0808 178 6813
Post Office logo
Fixed Apr-2020 From Post Office
Initial rate 1.44% Apr-2020
Maximum LTV 60%
Overall cost of comparison 4.1% APRC
See deal
FREE VALUATION
Post Office will pay your standard valuation fee
Call Post Office 0808 178 6813
Post Office logo
Fixed Apr-2020 From Post Office
Initial rate 1.53% Apr-2020
Maximum LTV 85%
Overall cost of comparison 4.1% APRC
See deal
£500 CASHBACK
£500 CASHBACK, FREE VALUATION (standard valuation fee) and £0 PRODUCT FEE
Call HSBC 0800 077 4336
HSBC logo
Tracker 2 years From HSBC
Initial rate 1.24% 2 years
Maximum LTV 60%
Overall cost of comparison 3.7% APRC
See deal
Call HSBC 0800 077 4336
HSBC logo
Fixed May-2020 From HSBC
Initial rate 1.32% May-2020
Maximum LTV 60%
Overall cost of comparison 3.6% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Apr-2020 From Post Office
Initial rate 1.33% Apr-2020
Maximum LTV 75%
Overall cost of comparison 4.1% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Apr-2020 From Post Office
Initial rate 1.38% Apr-2020
Maximum LTV 75%
Overall cost of comparison 4.1% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Apr-2020 From Post Office
Initial rate 1.38% Apr-2020
Maximum LTV 75%
Overall cost of comparison 4.1% APRC
See deal
Call HSBC 0800 077 4336
HSBC logo
Fixed May-2020 From HSBC
Initial rate 1.39% May-2020
Maximum LTV 60%
Overall cost of comparison 3.6% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Apr-2020 From Post Office
Initial rate 1.44% Apr-2020
Maximum LTV 60%
Overall cost of comparison 4.1% APRC
See deal
Call HSBC 0800 077 4336
HSBC logo
Fixed May-2021 From HSBC
Initial rate 1.49% May-2021
Maximum LTV 60%
Overall cost of comparison 3.5% APRC
See deal

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

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Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

This comparison simply includes all mortgage services

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Compare HSBC mortgages

HSBC’s various mortgages are tailored to different types of borrowers. Which represents a good match for you will depend on your borrowing needs and personal circumstances.

First Time Buyer mortgages

HSBC offer mortgages specifically targeted to first time buyers to help them get a foot on the property ladder. Their mortgages include fixed rate, tracker rate and discount rate mortgages, giving you a variety of options to choose from.

Buy to Let mortgages

If you already own your own property, HSBC will allow you up to 75% of the value of an additional property to buy and rent out. They may also take into account the likely rental income of the property and assess how this relates to the monthly repayments on your mortgage.

Remortgaging with HSBC

As interest rates change and new mortgage deals become available, it can sometimes save you money to switch your mortgage to a new provider. This can also be an attractive option if you need to raise extra money for purposes such as home improvement. Taking out a new mortgage with HSBC to pay off an existing mortgage can leave you with lower monthly repayments or a spare lump sum.

Second charge mortgages

Additional secured borrowing can sometimes make more sense that remortgaging when you need to raise extra cash. This is most often applicable if you already have a better deal on your existing mortgage than you can find from a new provider.

Additional secured borrowing on top of an existing mortgage is often known as a second charge mortgage and can allow you to access extra money relatively quickly and simple. It can often allow you to take your overall borrowing up to as much as 90% of your home’s total value.

Loan to value ratio

Two main things influence how much you can borrow as a mortgage: your personal income and your loan to value (LTV) ratio. LTV is a way of showing how much you want to borrow as a percentage of the market value of a property. Properties with a lower LTV will usually attract lower interest rates.

For example, if you have a property worth £100,000 and you need to take out a mortgage for £50,000, this will give you an LTV of 50%. If you then wanted to borrow an extra £25,000, this would increase your LTV to 75% as both new and existing debt are taken into account.

Find the best deals on mortgage rates

Many borrowers worry that they are not getting the best deal on their mortgage which is why we offer a free mortgage calculator to help you find the right deal for you.

All you have to do is head to the top of the page and enter some basic information, such as how much you need to borrow, how long you want to repay over and why you need the money. The calculator will then show you the most appropriate deals for your requirements from across the market.

Latest news

Cost of fixed rate mortgages have started to increase as Bank of England rate rise looms

A number of high street banks have started to increase their mortgage rates. The reason for this is that banks are having to pay more to access the funds they lend out to UK homeowners.

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