Write a review

HSBC: Fixed Rate Mortgage reviews

Name: Fixed Rate Mortgage
Rating: 3.76 (92 reviews)

View other HSBC products

3.63

Based on 92 reviews, last reviewed 2nd Apr 2025

100% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

46%

24%

20%

Latest highest rating:

5

Great customer service received and very competitive... Great customer service received and very competitive product. Reviewed on: 2nd April 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

Read all reviews See your review

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 fi...

HSBC Fixed Rate Mortgage reviews (92)

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 amoun... Reviewed on: 20th June 2024

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... 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. T... 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 ... Reviewed on: 14th June 2022

Do you have a different HSBC product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Fixed Rate Mortgage
from TSB 3.94 from 17 reviews
Mortgages
from Leeds Building Society 3.75 from 31 reviews
Mortgages
from Virgin Money 3.32 from 90 reviews

There's still more to see!

HSBC has a range of products available. Check the ratings of each product to find the right one for you. View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub