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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.

HSBC Fixed rate mortgage reviews (101)

Review of the HSBC, Fixed rate mortgage:

Good products with competitive rates

Initially got a tracker mortgage once my existing fixed mortgage expired with different bank. The remortgage process was very easy and product terms very good. Have recently remortgaged again with HSBC and managed to get a better rate fixed for 2 years Reviewed on: 24th May 2024

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

Great rate

Great rate and nice term, saving £50 per month Reviewed on: 13th January 2020

Best rates and quick

A very organised and quick bank to get a mortgage with, this all made the process so much quicker! Reviewed on: 21st November 2019

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