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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 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

Helpful staff and easy process

We have had an hsbc fixed rate mortgage for 10 years, and have stayed with them through moving house. They gave us a personal advisor who made the process smooth and was a great point of contact. Reviewed on: 29th January 2016

Amazing

This product has been great to help me buy a property Reviewed on: 21st January 2016

amazing

very helpful they guided me swiftly through the process, no nonsense Reviewed on: 28th December 2015

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