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HSBC: Tracker Rate Mortgage reviews

Name: Tracker Rate Mortgage
Rating: 3.33 (15 reviews)

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3.73

Based on 15 reviews, last reviewed 28th Feb 2025

100% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

20%

33%

27%

2 star

20%

Latest highest rating:

5

Great service - never any problems using the account Never had a problem applying for and using mortgage account. Would use again for a new or remortgage Reviewed on: 28th February 2025

Latest lowest rating:

1

Very poor customer service Difficult to locate help/support from anyone at HSBC (either in branch or on the phone) in this era of rising living costs and increasing rates; branc... Read more Reviewed on: 19th March 2023

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About this product

HSBC is a financial services provider offering a range of services, including a variety of mortgage products. A tracker mortgage will usually follow the current interest rate closely, often charging you a rate that’s slightly higher. Before taking out any mortgage, make sure you’re confident with the Ts and Cs and interest rate. Always speak with the lender or an independent advisor if you need help understanding your options.

Our HSBC tracker rate mortgage reviews can give you valuable insight into the lender and product. Make an informed decision when choosing your mortgage by reading the reviews on Smart Money People.

Find out why borrowers chose HSBC’s tracker rate mortgage and how satisfied they’ve been so far. Learn the main pros and cons of the mortgage product. Find out how supportive HSBC has been from start to finish. Read about genuine experiences with the customer service team to learn how swiftly HSBC solves its customers’ problems. All of this and more can be found in our HSBC tracker rate mortgage reviews.

If HSBC helped you buy your dream home with a tracker rate mortgage, why not leave a review on Smart Money People. Tell us why you chose this mortgage product and the main pros and cons you’ve experienced. Share how smoothly the application process went and how supportive HSBC was throughout. Would you recommend the product to your family and friends? Whether good or bad, write an honest HSBC tracker rate mortgage review today. Together, we can help people like you make better financial decisions.

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HSBC Tracker Rate Mortgage reviews (15)

Great service - never any problems using the account

Never had a problem applying for and using mortgage account. Would use again for a new or remortgage Reviewed on: 28th February 2025

Very poor customer service

Difficult to locate help/support from anyone at HSBC (either in branch or on the phone) in this era of rising living costs and increasing rates; branches are closing rapidly. Phone customer service agents don’t understand HSBC products (multiple occurrences of this) and it usually takes four times as long as it should to complete basic requests over the phone. Very poor service received and getting worse in 2023. Will be changing to another provider as soon as I can. Reviewed on: 19th March 2023

Let down again by HSBC

Asked to have my existing premier customer Mtg deal extended with addional loan. Was told online, 'yes', was told in interview 'yes', but then they didn't underwrite it, no counter offer. Overall very poor service by HSBC across so many aspects, even though I am, well was, a premier customer. Stay clear Reviewed on: 15th March 2023

A bit sharkish

HSBC are somewhat slow to respond to changes, e.g. the pandemic, where we applied for a mortgage holiday, it took them TWO MONTHS to respond, acknowledge and grant our request. Also they are very hard to contact by email or phone. Their message is always JUST KEEP PAYING!! This is not always possible me! Reviewed on: 27th July 2020

great rates no worries

have had a mortafge with HSBC for 15 years and have always enjoyed a really low interest rate. They have great deals however, I may need to shop around in the future as having become self employed they won't lend me as much for a remortgage as other lenders have agreed to Reviewed on: 30th December 2018

Fairly understanding

Seem to be fairly understanding in the present climate of hardship struggles; though late payments can be followed by a bombardment of calls, texts and letters - then nothing. It's like your name appears on a spinning wheel to be targeted that week, then it all goes quiet. Reviewed on: 7th November 2018

Great service

Always responsive if we question whether we can benefit from improved deals. Reviewed on: 3rd June 2018

Great mortgage rate!

All the staff at HSBC are great very knowledgable and professional but also helpful and friendly. I had to see them quite a few times about my mortgage due to changing circumstances but they were always great and always gave me plenty of time to go through things and find the deal that suited me. They found me a really good rate which was much less than I was offered by other providers. Reviewed on: 3rd February 2017

Told them everything, they said yes, took the deposit then said no based on what we had told them

We wanted to buy the flat that we live in from my parents. We knew all about it and went to the HSBC, sat down with the advisor and discussed the problems that it was ex-local authority, that it was concrete and over 6 floors. We were brutally upfront and honest as several suppliers had declined to lend on flats in the building, but we knew a neighbour had borrowed with HSBC previously. We couldn't have been more forthcoming about the flat. They said no problem. We paid £1,500 deposit to apply. The surveyor came around and said that they didn't lend on the building as it was ex-local authority and concrete. Got really cross and in the end they promised to refund us the deposit. Never happened. They showed themselves to be completely untrustworthy from beginning to end. Reviewed on: 30th November 2016

Helpful Mortgage Advice

I took out my mortgage with HSBC 19 years. They were very helpful, explaining the different products to us and we took out an endowment mortgage. Everything went through quickly and smoothly and we were kept informed every step of the way. After a few years they contacted us to explain that the endowment policy wasn't likely to cover the mortgage after all, and after explaining the different options, switched us to a repayment mortgage. We have been satisfied with the information available and the clarity of mortgage statements. Also the ease of using online banking. Reviewed on: 30th August 2016

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