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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)

Great bank few benifits app is okay

Been with them for years no issue , quick and easy set up and loyalty benifits could improve its in app UI Reviewed on: 20th September 2023

Great rate and easy documentation

Clear language and good rate. Very pleased Reviewed on: 14th September 2023

Making the purchase of my first home super easy

I chose HSBC as my mortgage lender as I am a long standing customer and they had very competitive interest rates. They worked quickly with my mortgage broker and solicitor which meant I moved into my house within 5 weeks of having my offer accepted. This made the whole process so easy. Many thanks! Reviewed on: 18th August 2023

OK but disappointed with product choice and service

They did well to meet my tight deadline, but unimpressed with the initial setup of the mortgage. I applied online for a remortgage but was forced to use "advice" (that I didn't want) because I was staircasing (buying out 100% of shared ownership). This seems a bit ridiculous - as on completion it becomes a standard mortgage, but I jumped through the hoops to get the appointments etc. Only positive is that it seems to have gone into a faster underwriting queue by going direct vs. on the website, but still wasted a lot of my time. Most unimpressed about lack of 10 year product when I applied last year - I would've taken this at any reasonable rate, but there was none at all - only 2, 3 or 5. I have a 5 year product, but when this runs out I'll now have to pay significantly more (every man and his dog could see interest rates were at record lows early last year and only going one way). Funnily enough now returns are so much higher for them, 10 year products are available from them and FD, which leaves a sour taste in my mouth. Also not easy to see my indexed valuation, although you can calculate it (balance divided by estimated LTV) but have to start a new product transfer application to do that. Reviewed on: 17th June 2023

Easy to deal with and great rates.

I recently remortgaged late last year and HSBC were still giving the best rate around. So easy to remortgage. Very happy. Reviewed on: 9th April 2023

Very good value fixed rate mortgage

Very good customer service, clear communication, no issues raised in over two years. Very pleased with the way I have been dealt with, staff are proactive and very helpful. Reviewed on: 4th April 2023

Great

It’s really great and not too expensive Reviewed on: 21st March 2023

Flexibility within the product/easy to use app

After seeking help from a professional HSBC came out the best for my circumstances in terms of a 5 yr fixed mortgage. I like the fact the paperwork that was sent through explained in detail and also a brief summary of what the terms of the mortgage were and how much I could overpay each year. The app is easy to use and it is useful to keep track of how the mortgage payments are impacting on the amount borrowed. Reviewed on: 20th March 2023

Easy to set up, but their online system is out dated

It was a pleasure working with the people at HSBC to get our mortgage set up, making sure we were getting what was right for us. The came across as a ethical company. Their online and app set up is pretty poor thought, with it being a faff to set up and not as good as other banking apps out there. Reviewed on: 11th March 2023

Really helpful

HSBC have been brilliant throughout our whole mortgage process. Great customer service. Reviewed on: 22nd February 2023

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