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HSBC: Fixed Rate Mortgage reviews

Name: Fixed Rate Mortgage
Rating: 3.79 (94 reviews)

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3.80

Based on 94 reviews, last reviewed 19th Feb 2026

100% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

49%

23%

19%

Latest highest rating:

5

Self-renewed fixed re-mortgage rate.. Self renewed new competitive fixed re-mortgage rate online -all very straightforward. Reviewed on: 19th February 2026

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 (94)

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

Great rates but farcical process

It took 4 months for our HSBC mortgage application to be approved, a good 2 months longer than it should have done.mwe were passed pillar to post so many times we seriously regretted picking HSBC over a comparable deal with a building society. Our application was even closed down by HSBC for no apparent reason with us only finding out (and getting it opened again) when we called for an update. When the application finally went through I put a formal complaint in and to give the complaints department their due credit they compensated us with an amount equivalent to what we had been paying in higher mortgage payments while the application was going through. The rate is very good and is saving us nearly £200 pcm but the process of securing it was seriously painful! Reviewed on: 14th November 2016

good rate for premer account holder

you could get one of best rate in the market, plus some fee saving for premier account holder. Nothing you could complain about. Reviewed on: 12th September 2016

Customer Service

Very efficient when I called to discuss overpayments. The lady I spoke to was clear about the options and the outcomes, I felt they were extremely knowledgeable and friendly. First rate service! Reviewed on: 8th September 2016

HSBC Fixed Rate Mortgage

I am happy with my service and would recommend to others. I have obtained what I believe to be the best rate available to me be by choosing HSBC. I have not had any major problems with this service. There customer care is quite poor though - With long wait times and needless extra expense. Reviewed on: 8th September 2016

HSBC mortgage change

I contacted HSBC to find out about making additional payments on my mortgage so as to end it faster. They talked me through how to make that change online myself. Very fast and efficient service. Reviewed on: 6th September 2016

A great rate, but slightly painful application process

I've been a HSBC mortgage customer for a year. I'm really pleased with the rate offered, which remains competitive despite a subsequent base rate reduction. However, the mortgage application process was quite painful and I spent many hours on the phone sorting out the disjointed workflow between various back office teams when my application got stuck in the system. On balance it has saved me a lot of money and I'd consider them for future remortgaging. Reviewed on: 30th August 2016

Had a mortgage with hsbc for over 11 years, can't fault them. They have always been helpful, polite and friendly when we ve needed advice from them

Had mortgage for 12 years, was 100 percent now changed to a fixed rate mortgage. Very helpful on telephone, got a good desl, would use again Reviewed on: 23rd May 2016

Absolute no go

First time buyer and shared ownership (only being 25) I had the agreement in principle with everything ready to go house approved etc. Went to the meeting to cross the t's and dot the i's and things start to change. I'm told that a new build requires a bigger deposit. An increase of £16k to be exact. I told them that it had been agreed on 10% deposit but this was wrong as well. Their systems even proved that it had been agreed at 10%. Unless I could provide a 25% deposit of the mortgage value then I couldn't have one. So this was 2months after the agreement with only 4 weeks before I have to get out of the rented property I'm in, due to it being sold. Having banked with HSBC for 10 years now I don't think it will reach 11. I received a phone call apologising from the mortgage advisor and that they wish to give me £100 as a sorry. Unfortunately no mortgage and £100 doesn't put me in the house I want to buy that was agreed with my girlfriend and 17month old son. It's difficult enough to get on the property ladder these days without a major bank letting you down hugely. Reviewed on: 15th March 2016

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