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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)

Dreadful

Ask if they use QCAS legal? If they do say BYE. QCAS legal are very poor communicatotors and will cost you more more money. I am in the 5th month of a small remortage that I have spent over £1000 to set up. Reviewed on: 29th December 2018

Difficult on the phone

Very good in person but terrible on the phone at what they think is still needed to progress. After a lot of trouble we got there in the end! Reviewed on: 25th November 2018

So bad

this bank isn't really a bank surely?? How can it be so bad?????? Reviewed on: 4th September 2018

Mortgage for first time buyers.

My partner and I were first time buyers looking for a fixed mortgage rate and HSBC were offering a great deal. We asked for information and help on how to apply for the mortgage and the lady we dealt with was very helpful giving us loads of information. Staff were friendly and advised us every step of the way. We secured the mortgage and HSBC were always there to answer our questions and when we finally moved into our house we got a lovely card from the lady who had helped us process our mortgage. They offered us exceptional and friendly service. Reviewed on: 6th August 2018

Absolutely useless, lost everything we sent then never replied

We applied to HSBC for a mortgage last October. We took the option of using the online method as we were told this would be easiest. Oh what a joke that was. We uploaded everything asked of us, then about a week later we received a letter asking us for the same documents. We contacted them and they told us to ignore it. Two weeks went past with no update, so we logged in to find a message telling us we needed to upload our documents. We called and this time were told that they'd sent a letter and we'd ignored it. We explained we'd been told to, but they said this was wrong, they needed us to send our documents as they'd been lost. We uploaded them again, then a week later we got a letter asking us to upload our documents. The same process happened again - ignore it. Fast forward two months with the same process happening over and over again. Eventually we were passed to an assessor, who asked for more documents. We sent these, waited some more then logged in again. To our horror, our application was marked 'expired'! We called again to be told it had taken too long and we needed to begin the whole process again! Meanwhile our vendors were getting extremely impatient. We were told this would be fast tracked, so we did everything again, were told it was sent to an advisor and the next time we logged it the entire application was marked cancelled. We never did hear from anyone! Serious, do not waste your time! They'll lose you your house. Reviewed on: 18th July 2018

Good, helpful just a little slow

The only negative part of the process were how slow HSBC were to do everything. The surveyor took ages, all the approval took ages, the whole process ended up taking 3months. However the mortgage itself was a good rate and every member of staff I came across was lovely and full of good advice. Reviewed on: 19th May 2018

Best Bank

Friendly staff, excellent customer service Reviewed on: 10th February 2018

GREAT SERVICE

i WAS ABLE TO TAKE OUT A GREAT FIXED RATE MORTGAGE FOR A 5 YR TERM WITH MINIMAL FUSS AND EFFORT Reviewed on: 3rd January 2018

Great product and superb value from a great British bank ... despite the name of course

It was very straightforward to switch my mortgage to HSBC and their 10 year fix with no fees was a very good value way to provide certainty during very uncertain times. Reviewed on: 8th November 2017

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

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