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HSBC: Fixed Rate Mortgage reviews

Name: Fixed Rate Mortgage
Rating: 3.76 (97 reviews)

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3.76

Based on 97 reviews, last reviewed 17th Apr 2026

300% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

48%

23%

20%

Latest highest rating:

5

great rate mortgage, easy to use app great rate mortgage, easy to use app Reviewed on: 17th April 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 (97)

A great rate, but slightly painful application process

I've been a HSBC mortgage customer for a year. I'm really pleased with the rate offered, which remains competitive despite a subsequent base rate reduction. However, the mortgage application process was quite painful and I spent many hours on the phone sorting out the disjointed workflow between various back office teams when my application got stuck in the system. On balance it has saved me a lot of money and I'd consider them for future remortgaging. Reviewed on: 30th August 2016

Had a mortgage with hsbc for over 11 years, can't fault them. They have always been helpful, polite and friendly when we ve needed advice from them

Had mortgage for 12 years, was 100 percent now changed to a fixed rate mortgage. Very helpful on telephone, got a good desl, would use again Reviewed on: 23rd May 2016

Absolute no go

First time buyer and shared ownership (only being 25) I had the agreement in principle with everything ready to go house approved etc. Went to the meeting to cross the t's and dot the i's and things start to change. I'm told that a new build requires a bigger deposit. An increase of £16k to be exact. I told them that it had been agreed on 10% deposit but this was wrong as well. Their systems even proved that it had been agreed at 10%. Unless I could provide a 25% deposit of the mortgage value then I couldn't have one. So this was 2months after the agreement with only 4 weeks before I have to get out of the rented property I'm in, due to it being sold. Having banked with HSBC for 10 years now I don't think it will reach 11. I received a phone call apologising from the mortgage advisor and that they wish to give me £100 as a sorry. Unfortunately no mortgage and £100 doesn't put me in the house I want to buy that was agreed with my girlfriend and 17month old son. It's difficult enough to get on the property ladder these days without a major bank letting you down hugely. Reviewed on: 15th March 2016

Helpful staff and easy process

We have had an hsbc fixed rate mortgage for 10 years, and have stayed with them through moving house. They gave us a personal advisor who made the process smooth and was a great point of contact. Reviewed on: 29th January 2016

Amazing

This product has been great to help me buy a property Reviewed on: 21st January 2016

amazing

very helpful they guided me swiftly through the process, no nonsense Reviewed on: 28th December 2015

Patient with my new business and lack of money!

Since going self employed, I sometimes don't have all the money on the right days for paying the mortgage - times have been very tough, and HSBC have been pretty understanding and patient, removing much of the stress. They've allowed me to remove the Direct Debit and pay them when I have the money. The arrangement works and makes sure money only leaves my personal bank account when it's there and available. Reviewed on: 24th November 2015

Easy

Easy to arrange. Staff member was very knowledgeable of our needs and gave us different options before we finally decided on this product. Reviewed on: 20th November 2015

slow

they were good but they had a lack of staff to account to the demand of people Reviewed on: 7th May 2015

very good and good customer service

they are very sensitive to you and care about your every need, never have I felt unlistened to or not important to them they make you feel welcome and explain everything in terms that you and I can understand. And they always see to know what you are talking about even if you don't, they are never to busy for you and they always try to explain and make sure you understand as much as possible so they leave no room for doubt about anything. they send you regular letters and notes which are very helpful . all the staff members are helpful and friendly and so far I haven't spoken to any who have been rude or not nice, also they all seem to know what they are talking about and are very skill In their profiles. I have no need to doubt or not to trust them as other the year they have brought my trust up and I know my feelings and thoughts are safe with them and they will make improves on what's I say and I have seen this happen in my own time, they make time for you and you don't and have to wait around for long, they are very organised Reviewed on: 29th April 2015

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