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HSBC: Fixed Rate Mortgage reviews

Name: Fixed Rate Mortgage
Rating: 3.77 (93 reviews)

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3.73

Based on 93 reviews, last reviewed 12th Jun 2025

200% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

47%

24%

19%

Latest highest rating:

5

Easy first time buyer mortgage HSBC made the stressful experience of getting a mortgage so easy, even when our broker kept requesting new offers when the market changed and rates we... Read more Reviewed on: 12th June 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 Fixed Rate Mortgage reviews (93)

Review of the HSBC, Fixed Rate Mortgage:

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 half as much amount, sent 39 documents proving now I earn much more and their mortgage advicer cancelled last min twice and then I raised a formal complain eventually got another advicer, she was a script reading robot who asked for way more documents despite some were not relevant. Mortgage in principal was approved for the amount I wanted but when it came to actual application for which I was asked to produce bonus letter, work official letter showing pay raise, I was pushed down to £20k less than my required amount on much cheaper property than I had few months ago. Nevertheless, carried out hard search and several soft searches and after 2+ months of struggle and discrimination today I'm told I'm not approved for anything over a phone call at 7pm. Absolutely disgrace, greedy twits with incompetent script reading clowns who can't speak English. Will never be using HSBC again. Reviewed on: 20th June 2024

An absolute waste of time!

I mean where do I even begin… Just to reiterate a previous review, if you want to lose all sanity and hope during a stressful time - i.e. buying a first time property - go for HSBC. They are absolutely useless and do everything in their power to make the application process as difficult as possible. After 5 weeks of endless back and forth paper work and explanation from our mortgage broker, we were informed that our application was rejected. What we’re having trouble understanding is why it’s taken you 5 weeks+ to come to this decision, and why until 2 days ago we were asked for more statements and paperwork. I genuinely think the underwriters have a serious problem. It’s not fair to make people wait for weeks and keep asking for statements and all sorts of explanation to then reject. A lot of my family members, including my partner, have business accounts with HSBC and I’m going to do everything in my power to make them switch to another bank. Useless! Reviewed on: 27th October 2023

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

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