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HSBC: Fixed rate mortgage reviews

Name: Fixed rate mortgage
Rating: 3.99 (101 reviews)

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3.99

Based on 101 reviews, last reviewed 2nd Sep 2026

50% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

50%

23%

19%

Latest highest rating:

5

Simple and supportive to plan rate change Simple and supportive to plan rate change Reviewed on: 2nd September 2026

Latest lowest rating:

1

Late new mortgage offers and fund genocide HSBC used to make you a new mortgage offer 6 months prior to your deal expiry date, but they've now reduced this to 3 months which gives you less oppo... Read more Reviewed on: 16th April 2026

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About this product

HSBC have a range of fixed rate mortgages.

You can apply for an HSBC mortgage whether you’re a first-time buyer, want to remortgage or move home or have a buy-to-let property. Once you’ve opened your HSBC mortgage, you can manage it using the HSBC app.

HSBC fixed rate mortgage reviews help you find out what it’s really like to be a customer. If you’ve used HSBC before, you can also leave a review and share your experience.

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HSBC Fixed rate mortgage reviews (101)

Good overall product

The rates are competitive and the customer service is good. Reviewed on: 26th February 2025

Lying con artists, should be banned

As per my contract I could port my 5 years fixed mortgage. Sold my house, struggled to find another one, finally did and HSBC said they can't offer me half as much amount, sent 39 documents proving now I earn much more and their mortgage advicer cancelled last min twice and then I raised a formal complain eventually got another advicer, she was a script reading robot who asked for way more documents despite some were not relevant. Mortgage in principal was approved for the amount I wanted but when it came to actual application for which I was asked to produce bonus letter, work official letter showing pay raise, I was pushed down to £20k less than my required amount on much cheaper property than I had few months ago. Nevertheless, carried out hard search and several soft searches and after 2+ months of struggle and discrimination today I'm told I'm not approved for anything over a phone call at 7pm. Absolutely disgrace, greedy twits with incompetent script reading clowns who can't speak English. Will never be using HSBC again. Reviewed on: 20th June 2024

Best available rate in the market when booked.

Best available rate in the market when booked. No problems and mortgage sorted in 2 weeks Reviewed on: 18th June 2024

Had HSBC Fixed Rate mortgages for years.

Had HSBC Fixed Rate mortgages for years. The competitive rates, ease of application and customer service is the best in my experience. Reviewed on: 2nd June 2024

Good products with competitive rates

Initially got a tracker mortgage once my existing fixed mortgage expired with different bank. The remortgage process was very easy and product terms very good. Have recently remortgaged again with HSBC and managed to get a better rate fixed for 2 years Reviewed on: 24th May 2024

Great mortgage product - had no issues in the past 3...

Great mortgage product - had no issues in the past 3+ years Reviewed on: 13th April 2024

I had to put in an official complain to HSBC re thei...

I had to put in an official complain to HSBC re their mortgage advisor who advised me to cancel a product less than 24 hours after I agreed to it as he said the rates were coming down, and then he conveniently forgot to call me and arrange for new paperwork to be done in order to get the new rate, by the time I asked them what was happening the rates had gone up nearly 2%. he claimed he had done nothing wrong, eventually I got them to agree the fixed rate that I had originally done a 2 hour zoom for. Reviewed on: 12th April 2024

Excellent service & good rates

I am ever so grateful to HSBC appriving my first house mortgage & been lucky with good rates & still with the bank since 2006 in a better place now with less than 5 years left to be mortgage free by my 50th Birthday feels surreal. Bank has been supportive during difficult financial period & provided reasonable rates & kept in the loop of my product term ending or rates changing. I particularly love using the app keeps me updated as I travel for work not always have time seeing to letters. Moved digital which I prefer keeps me upto date. Reviewed on: 10th April 2024

From an IFA, avoid HSBC like the plague when mortgaging

They have been consistently terrible and I am adamant that they are somehow manipulating their reviews here as they should be 1*. Worst underwriting experience on the market and that is terrible when there are lenders like Barclays. Horrific communication, underwriters will wait for you to answer one query and then raise 5 more. Always leading to unnecessary delays for prospective mutual clients, how is this in line with consumer duty? Not surprised as they are a bank known for controversy in money laundering. Reviewed on: 11th December 2023

An absolute waste of time!

I mean where do I even begin… Just to reiterate a previous review, if you want to lose all sanity and hope during a stressful time - i.e. buying a first time property - go for HSBC. They are absolutely useless and do everything in their power to make the application process as difficult as possible. After 5 weeks of endless back and forth paper work and explanation from our mortgage broker, we were informed that our application was rejected. What we’re having trouble understanding is why it’s taken you 5 weeks+ to come to this decision, and why until 2 days ago we were asked for more statements and paperwork. I genuinely think the underwriters have a serious problem. It’s not fair to make people wait for weeks and keep asking for statements and all sorts of explanation to then reject. A lot of my family members, including my partner, have business accounts with HSBC and I’m going to do everything in my power to make them switch to another bank. Useless! Reviewed on: 27th October 2023

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