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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

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

Good rates

No problem so far each review get lowest rates Reviewed on: 21st January 2022

Responsive to need

You can have a personal meeting with your mortgage broker and discuss realistic needs Reviewed on: 7th September 2021

Poor customer service

Despite a relatively straightforward application and approval process, now we have the mortgage, customer services fail to pick up the phone every time we call. I requested they change the bank account they take our payments from, completed on the phone, then continued to come out of the wrong account. Another hour today spent trying to get through to them on the phone and still on hold. When we come to remortgage, we won't be sticking with HSBC. Reviewed on: 6th September 2021

Offered vastly lower amount going direct

Looking to remortgage, went through a broker who got me a good deal through HSBC - however, as my existing mortgage is with HSBC he couldn't proceed on my behalf and he was told I had to go direct. Going direct HSBC could only offer me £75,000 (or 40%) LESS than I'd been offered through the broker, and elsewhere. Absolutely useless. Reviewed on: 6th July 2021

dissapointed

As exsiting HSBC customer I expected more support applying for mortgage, but left deeply dissapointed. Completed the application online and uploded requested documents, which was ok, but then needed to wait entire two weeks for the advice appointment to progress the application. Mortgage adviser sent a request just before appointment for new payslips and other documents, which were not possible to forward just because of short notice. I did not see any attempts to help , just trying to pull as back in every step, then two hours planned appointment ended in ten minutes with her predictions that they probably would not lend requested amount. I feel that I lost my valuable time with them. Reviewed on: 15th June 2021

Quick Decision

Very relaxing the whole process... and everything happened as planned... very well done HSBC Reviewed on: 17th February 2021

Fantastic rate for 5 year fixed rate

Fantastic cost effective rate for their 5 year fixed rate mortgage and very straightforward online application to change my rate with very knowledgeable customer service staff. Mortgage allows overpayment so reducing the interest owed Reviewed on: 17th February 2021

Simple

Simple move from one fixed rate to another product Reviewed on: 17th February 2021

Great experience for first time buyers

HSBC Weston Super Mare branch were helpful and clear with their guidance. We have a 5 year fixed term mortgage on our first house with affordable repayments. Reviewed on: 14th January 2020

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