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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.

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HSBC Fixed rate mortgage reviews (101)

Good rate but terrible application process

It took over 3 months to sort our new mortgage with hsbc despite having been known to them for over 20 years as a current account holder. The online application process was hellish as the system made me reset my username and password every time I tried to log on. And all this at the time of their tv ads where they boasted they could agree your mortgage in a day. Still, good rate saved us £200 pcm so worth it I suppose. Reviewed on: 6th November 2017

0.99% 2 year

great product, took ages to get approval through initially despite being a 20 year customer (I think because they were overwhelmed with demand), but customer service person was very helpful and seemed to make an extra effort to get things through Reviewed on: 11th June 2017

AWESOME

Love HSBC and my student credit card. Very good. Reviewed on: 10th June 2017

Best rate, Easy to renew

As a HSBC current account customer HSBC seemed like the logical choice for a mortgage. I was also surprised to find they had one of the lowest rates of the big banks and as I was already a customer I didn't have to pay a fee for having a 3 year fixed rate on my mortgage. They were so good i recently re-fixed with them! Reviewed on: 30th May 2017

cloak and dagger

Had a joint mortgage and two names on property deeds. HSBC always told me to confirm with other account holder when making changes. Now I find my ex wife was able to make any changes she wanted with my knowledge. Reviewed on: 12th February 2017

Fair price excellent internet banking

HSBC mortgages were competitive with what else is available on the high street and I love the fact it connects seamlessly with my HSBC current account banking. Reviewed on: 10th February 2017

Poor Customer Service - Outrageous criteria

I went to an independent mortgage advisor as my fixed rate had expired with my current lender (not HSBC). HSBC were offering great rates and as what we thought were a reputable company we went with them. 3 months later after numerous calls from my mortgage advisor, HSBC were still no further down the line to offer us a mortgage. In this time we were paying £130pm extra on current mortgage! HSBC have no concept of customer service and their criteria for even a low mortgage value is ridiculous even when we could afford the payments twice over. In the end we pulled out of the application. We are just grateful we were dependent on the mortgage for the purchase of a house as we would have lost it due to their incompetencies. I do not recommend HSBC whatsoever! Reviewed on: 27th January 2017

Awful

I have been a hsbc customer since 1996 and wanted to change the mortgage I had with them. They have ridiculously strict lending policies. We were told we would have to stay on the standard rate at the end of a fixed term deal as we didn't meet affordability criteria. This meant we were actually paying more each month. They offered no help to us whatsoever despite the fact we had never missed a payment. Needless to say we moved our mortgage to another bank and got a great deal. Reviewed on: 15th November 2016

Simple, Affordable & Friendly

Sends monthly statements through with balance left to pay off. Really easy to know where you stand! Looking to renew next year and HSBC will be the first place we look. Reviewed on: 15th November 2016

Great rates but farcical process

It took 4 months for our HSBC mortgage application to be approved, a good 2 months longer than it should have done.mwe were passed pillar to post so many times we seriously regretted picking HSBC over a comparable deal with a building society. Our application was even closed down by HSBC for no apparent reason with us only finding out (and getting it opened again) when we called for an update. When the application finally went through I put a formal complaint in and to give the complaints department their due credit they compensated us with an amount equivalent to what we had been paying in higher mortgage payments while the application was going through. The rate is very good and is saving us nearly £200 pcm but the process of securing it was seriously painful! Reviewed on: 14th November 2016

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