HSBC mortgage rates, calculator and review
HSBC offers fixed and variable rate mortgages. Read customers' views of HSBC here.

HSBC can lend up to 95% of the value of your property. However it will also factor in the affordability of the monthly repayments (in terms of your monthly income and outgoings) when deciding what it can offer.
Yes. These mortgages allow you to buy a percentage of a property and pay rent on the remainder.
Most shared ownership plans offer the option to buy more of the property as and when you can afford it at a later date. HSBC stipulates it will only lend on shared ownership arrangements where you have the option to increase your stake to 100% ownership of the property.
You can apply for an HSBC mortgage online, by calling 0800 169 6333 or visiting a local branch.
We've teamed up with L&C Mortgages to help you compare live rates from over 80 lenders.
You’ll need to supply proof of identification, proof of address, proof of deposit and your last monthly payslip and bank statement.
Zero-hours and contract workers will need to provide their P60 and additional payslips, so the lender can get a better idea of the consistency of their income. Self-employed applicants will need to provide their last 2 years’ worth of accounts and, if requested, several months of business bank statements.
Applications are considered on a case-by-case basis, but there are some clear criteria:
For general queries, existing customers can call 03457 404 404 or use the live chat function at hsbc.co.uk. Non-HSBC customers should call 03456 040 626.
In our 2024 customer satisfaction survey, HSBC scored 4.5 out of 5 stars with 88% of its customers saying they’d recommend the brand to a friend.
Customers in our survey commented positively on HSBC’s helpful staff and “reliable service” .
“Good experience- reliable and good communication.”
“Flexible mortgage options.”
“They are always available to help.”
“Very good customer service.”
All user-submitted reviews must meet our review guidelines. These set out our standards and expectations, including that the review is from by a genuine user of the relevant product or service and that it is honest, authentic and respectful. We explicitly prohibit fake or otherwise misleading reviews and we check all submissions, but we make no guarantee as to the authenticity of any published review or reviewer. Some reviews may be submitted (regardless of sentiment) in exchange for entry into any competition(s) for which we are the promoter.
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