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HSBC: Fixed Rate Mortgage reviews

Name: Fixed Rate Mortgage
Rating: 3.76 (92 reviews)

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3.65

Based on 92 reviews, last reviewed 2nd Apr 2025

100% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

46%

24%

20%

Latest highest rating:

5

Great customer service received and very competitive... Great customer service received and very competitive product. Reviewed on: 2nd April 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 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 (7)

OK but disappointed with product choice and service

They did well to meet my tight deadline, but unimpressed with the initial setup of the mortgage. I applied online for a remortgage but was forced to use "advice" (that I didn't want) because I was staircasing (buying out 100% of shared ownership). This seems a bit ridiculous - as on completion it becomes a standard mortgage, but I jumped through the hoops to get the appointments etc. Only positive is that it seems to have gone into a faster underwriting queue by going direct vs. on the website, but still wasted a lot of my time. Most unimpressed about lack of 10 year product when I applied last year - I would've taken this at any reasonable rate, but there was none at all - only 2, 3 or 5. I have a 5 year product, but when this runs out I'll now have to pay significantly more (every man and his dog could see interest rates were at record lows early last year and only going one way). Funnily enough now returns are so much higher for them, 10 year products are available from them and FD, which leaves a sour taste in my mouth. Also not easy to see my indexed valuation, although you can calculate it (balance divided by estimated LTV) but have to start a new product transfer application to do that. Reviewed on: 17th June 2023

Easy to set up, but their online system is out dated

It was a pleasure working with the people at HSBC to get our mortgage set up, making sure we were getting what was right for us. The came across as a ethical company. Their online and app set up is pretty poor thought, with it being a faff to set up and not as good as other banking apps out there. Reviewed on: 11th March 2023

Gets less and less of a personal service as years go by

When I first obtained a mortgage with HSBC about 25 years ago, I had a very nice lady in my local branch who stayed in touch each year making sure I was happy with the service - it was really good. But, as times have got harder and I've missed a payment here and here over the years, the bank has become the same as all the others - no personal service, everything automated and you have to explain yourself over and over and over again each time you contact the bank,. All banks are the same these days frankly. If a friendly personal approach worked 25 years ago why doesn't it now? Reviewed on: 3rd February 2023

Good products, dodgy back-end

Poor climate rating puts me off, but was by far the most affordable product. Reviewed on: 17th August 2022

Responsive to need

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

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

Unclear and Not great T&C. OD rates bad.

I used to like HSBC, however they are very unclear about their terms and conditions. Always read the smallprint! Reviewed on: 29th April 2015

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