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HSBC: Fixed Rate Mortgage reviews

Name: Fixed Rate Mortgage
Rating: 4.06 (98 reviews)

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4.06

Based on 98 reviews, last reviewed 11th Jun 2026

200% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

49%

22%

19%

Latest highest rating:

5

Straightforward, do what they say. Straightforward, do what they say. Reviewed on: 11th June 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 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 (98)

Extremely disappointed

I've been baking with HSBC for over 8 years, and have had a great relationship with them, until applying for a mortgage online. The process was extremely fast and I thought this was a good sign, until they made a decision on my application in 3 days and declined my application on my credit score, which is rated as very good by both Experian and Equifax. I'm lost for words with HSBC as they are clearly incapable of accepting applicants that don't meet their stringent criteria, of which I have asked HSBC to clarify on how I can apply again in the future with better Hope's, and they simply replied with "we cannot share this information and it is commercially sensitive". HSBC don't take into consideration loyal customers and I will certainly stop banking with them until the foreseeable future, really is their loss. Reviewed on: 18th June 2019

Review

Just a test review ............... Reviewed on: 13th June 2019

easy and fast

good experience no issues during the process and all got sorted as needed. Reviewed on: 16th April 2019

Standard product, slow service

The people at the bank were good and knew what they were doing but the people on the phone were clueless. It took about 7 phone calls to establish that they did in fact have all the info they needed. All smooth sailing after it was approved though. Reviewed on: 16th April 2019

Box Tickers

I bank with HSBC personally and the company also banks with them, and this part of the bank is fantastic, but the mortgage section is on a different planet. In essence they are looking for any tick box reason not to process your application, they are slow, it is beyond them to use common sense, and even when you send them every thing they ask for still no action. In short great bank, excellent interest rates, absolutely rubbish mortgage department. Reviewed on: 15th March 2019

Bank bank

Love HSBC best mortgage deals anywhere. Also taken out affordable loans Reviewed on: 10th February 2019

Enabled us to get the house we truly wanted.

The whole process was friendly, simple and efficient when applying in person. All staff were knowledgable and professional. The rates offered to us and mortgage term times enabled us the peace of mind that we can afford the house thats right for us, the one we had truly set our sights on. Having banked with HSBC for over 15 years and having had a previous mortgage with them with no issues from either meant it was a definite choice to stick with them. Reviewed on: 1st January 2019

Dreadful

Ask if they use QCAS legal? If they do say BYE. QCAS legal are very poor communicatotors and will cost you more more money. I am in the 5th month of a small remortage that I have spent over £1000 to set up. Reviewed on: 29th December 2018

Difficult on the phone

Very good in person but terrible on the phone at what they think is still needed to progress. After a lot of trouble we got there in the end! Reviewed on: 25th November 2018

So bad

this bank isn't really a bank surely?? How can it be so bad?????? Reviewed on: 4th September 2018

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