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HSBC: Fixed Rate Mortgage reviews

Name: Fixed Rate Mortgage
Rating: 3.75 (91 reviews)

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3.59

Based on 91 reviews, last reviewed 26th Feb 2025

No new 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

46%

24%

20%

Latest highest rating:

4

Good overall product The rates are competitive and the customer service is good. Reviewed on: 26th February 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 (91)

Great customer service

We managed to get in before Covid hit the world on a low interest rate in 2019. The staff at HSBC in Farnham and Guildford were super helpful. From getting our Mortgage in Principal to our mortgage later on. Step by step we were told on what needed to be done, and what we needed to say on phone calls. Excellent service. So much so we will be using them next time and we didn't need to use an external mortgage adviser. Reviewed on: 22nd February 2023

Easy to switch

Was easy straitforward to change online with enough information for me. If more information required easy to get more help. Reviewed on: 17th February 2023

Cautious lending

More cautious than other banks in terms of what they would lend us but given the current climate they might be doing the right thing for their customers. Reviewed on: 8th February 2023

Gets less and less of a personal service as years go by

When I first obtained a mortgage with HSBC about 25 years ago, I had a very nice lady in my local branch who stayed in touch each year making sure I was happy with the service - it was really good. But, as times have got harder and I've missed a payment here and here over the years, the bank has become the same as all the others - no personal service, everything automated and you have to explain yourself over and over and over again each time you contact the bank,. All banks are the same these days frankly. If a friendly personal approach worked 25 years ago why doesn't it now? Reviewed on: 3rd February 2023

Good product

Easy app and overpayment service Reviewed on: 19th January 2023

This bank will crush your hopes, sanity, and process of buying a house

Horrific communication and people that just don't care about you. Go with them and you SERIOUSLY risk jeopardising getting your property at the last hurdle. They almost caused us to lose our property purchase at the last minute because they lost a fax... This fax contained three simple questions from our solicitor that they needed to say yes or no to. It took them 2.5 months!!! At first, they said they lost the fax, so our solicitor re-sent it 4 times and by post in the end. Then every week it was "our system is not showing it" then every week it was "we will respond in 48 hours hours" never happened... We went from call centers in India to the UK complaints department who couldn't access each complaint file or couldn't get in touch with the right person. It's a circus of a bank fronting with large ad budgets and branding to make it seem more reputable. The seller almost pulled out from us because of this. Imagine going through all the hellish process of solicitors back and forth to them lose your house because money-grabbing HSBC does not care about you to just look at a 5 paragraph email and say yes or no. Go with a smaller bank that will give you attention. I am evening removing my personal banking with them and my business banking with them and advising all my friends and family to do the same. I have zero confidence in their care or their ability. Trust me, this bank will add HUGE stress to your life. It's just not worth it. Reviewed on: 12th January 2023

Good products, dodgy back-end

Poor climate rating puts me off, but was by far the most affordable product. Reviewed on: 17th August 2022

Fair Rates

My first mortgage and it had been a pleasure to deal with them. Reliable and never had any issues. Can see how much I am paying off on the app so meets my needs Reviewed on: 13th August 2022

Easy to deal with

Great support when rate updates needed - good products and market beating approach to service Reviewed on: 13th August 2022

Absolute shambles

HSBC are an absolute shambles. We've had various mortgages in the past with HSBC with no issues, and because the advisor cannot correctly identify me as self employed as I own 65% of the company that employs me, the underwriter knocked us back. We are now sorted with another provider. But it doesnt end there, they forgot to cancel their own valuation survey of the property afterwards and so the people we are buying off are getting bothered by HSBC valuation at their doorstep for a mortgage we've been rejected for. Will never use HSBC again and would never recommend to anyone Reviewed on: 14th June 2022

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