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HSBC: Fixed Rate Mortgage reviews

Name: Fixed Rate Mortgage
Rating: 3.76 (92 reviews)

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3.63

Based on 92 reviews, last reviewed 2nd Apr 2025

100% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

46%

24%

20%

Latest highest rating:

5

Great customer service received and very competitive... Great customer service received and very competitive product. Reviewed on: 2nd April 2025

Latest lowest rating:

1

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... Read more Reviewed on: 20th June 2024

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About this product

HSBC is a financial services provider offering a range of products and services, including a variety of mortgages. A fixed rate mortgage has a set interest rate that lasts a specific period of time, usually between two and five years, but sometimes up to ten. Make sure you’re confident with the terms, conditions and interest rate of a mortgage. Always ask the lender or an independent advisor if you need help understanding your options.

Buying a house is a big financial decision in anyone’s life, so finding the right mortgage is important. At Smart Money People, we collect HSBC fixed rate mortgage reviews to make your decision-making process easier. Gain valuable insight by reading genuine experiences from existing borrowers.

If a fixed rate mortgage sounds right for you, learn more about HSBC’s product on Smart Money People. Find out why borrowers chose this mortgage and how satisfied they’ve been throughout the term. Learn more about the application process and how supportive HSBC was throughout. Find out the main pros and cons of the product. Make an informed decision when choosing your new mortgage by reading our HSBC fixed rate mortgage reviews.

Perhaps you’re already an HSBC fixed rate mortgage customer? Why not share an honest review with our community? Tell us why you chose the product and what the main pros and cons you’ve experienced are. Did you encounter any problems throughout the process, and if so, how well did HSBC handle them? Has the lender kept you up to date with any important mortgage news or updates? Whether good or bad, write a HSBC fixed rate mortgage review today. Together, we can help people like you make better financial decisions.

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HSBC Fixed Rate Mortgage reviews (92)

Great rates, but could be a little quicker

Got a fantastic rate, was amongst the best in the market at the time. However, things were a little slow at their end, hence why I didn't give top marks. Reviewed on: 6th November 2017

Good rate but terrible application process

It took over 3 months to sort our new mortgage with hsbc despite having been known to them for over 20 years as a current account holder. The online application process was hellish as the system made me reset my username and password every time I tried to log on. And all this at the time of their tv ads where they boasted they could agree your mortgage in a day. Still, good rate saved us £200 pcm so worth it I suppose. Reviewed on: 6th November 2017

0.99% 2 year

great product, took ages to get approval through initially despite being a 20 year customer (I think because they were overwhelmed with demand), but customer service person was very helpful and seemed to make an extra effort to get things through Reviewed on: 11th June 2017

AWESOME

Love HSBC and my student credit card. Very good. Reviewed on: 10th June 2017

Best rate, Easy to renew

As a HSBC current account customer HSBC seemed like the logical choice for a mortgage. I was also surprised to find they had one of the lowest rates of the big banks and as I was already a customer I didn't have to pay a fee for having a 3 year fixed rate on my mortgage. They were so good i recently re-fixed with them! Reviewed on: 30th May 2017

cloak and dagger

Had a joint mortgage and two names on property deeds. HSBC always told me to confirm with other account holder when making changes. Now I find my ex wife was able to make any changes she wanted with my knowledge. Reviewed on: 12th February 2017

Fair price excellent internet banking

HSBC mortgages were competitive with what else is available on the high street and I love the fact it connects seamlessly with my HSBC current account banking. Reviewed on: 10th February 2017

Poor Customer Service - Outrageous criteria

I went to an independent mortgage advisor as my fixed rate had expired with my current lender (not HSBC). HSBC were offering great rates and as what we thought were a reputable company we went with them. 3 months later after numerous calls from my mortgage advisor, HSBC were still no further down the line to offer us a mortgage. In this time we were paying £130pm extra on current mortgage! HSBC have no concept of customer service and their criteria for even a low mortgage value is ridiculous even when we could afford the payments twice over. In the end we pulled out of the application. We are just grateful we were dependent on the mortgage for the purchase of a house as we would have lost it due to their incompetencies. I do not recommend HSBC whatsoever! Reviewed on: 27th January 2017

Awful

I have been a hsbc customer since 1996 and wanted to change the mortgage I had with them. They have ridiculously strict lending policies. We were told we would have to stay on the standard rate at the end of a fixed term deal as we didn't meet affordability criteria. This meant we were actually paying more each month. They offered no help to us whatsoever despite the fact we had never missed a payment. Needless to say we moved our mortgage to another bank and got a great deal. Reviewed on: 15th November 2016

Simple, Affordable & Friendly

Sends monthly statements through with balance left to pay off. Really easy to know where you stand! Looking to renew next year and HSBC will be the first place we look. Reviewed on: 15th November 2016

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