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Sam covers personal finance topics, from the best savings rates to the reasons mortgage lenders say no. He enjoys crunching the numbers to help consumers get ahead.
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HSBC is a major UK mortgage lender that offers fixed and variable rate deals for a wide range of borrowers.
Here, you can find out what real HSBC mortgage customers thought about its service, what our expert analysis found about its range of deals and the best HSBC mortgage rates on the market right now.
This article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of a provider before committing to any financial products.
Why you can trust our HSBC mortgage review
Real HSBC customer views
We've asked 454 HSBC mortgage customers about their experiences of the lender.
Expert mortgage rate analysis
We've analysed HSBC's mortgage rates to work out if it's a lender that offers competitive deals.
HSBC ranked mid-table in our mortgage customer survey. However, it was the best provider in our interest rate analysis, meaning it often offered competitive rates across a range of different mortgage scenarios.
73%
out of 21 mortgage lenders ranked on customer score (joint 11th)
Which? analysed thousands of mortgages, using Moneyfacts data, over eight weeks in the summer/autumn of 2025. We compiled a series of top 10 cheapest deals tables based on a variety of borrowing scenarios, and counted how many times each lender featured in a table.
The average was five table appearances per week. HSBC registered the highest score, with an average of 10.9 per week. This shows that HSBC offered excellent interest rates for a range of different mortgage scenarios during our analysis.
You can see the mortgages HSBC is currently offering to first-time buyers, home movers and remortgagers in the tables below.
To see how HSBC compares with other mortgage providers, head to our guide to the best mortgage rates and deals, which is updated every day.
| 80% | HSBC | 73% | 4.27% | £999 | 6.49% |
| 80% fee free | HSBC | 73% | 4.41% | £0 | 6.49% |
| 90% | HSBC | 73% | 4.45% | £999 | 6.49% |
| 90% fee free | HSBC | 73% | 4.59% | £0 | 6.49% |
| 95% | HSBC | 73% | 4.89% | £0 | 6.49% |
| 95% fee free | HSBC | 73% | 4.89% | £0 | 6.49% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 74%. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum of 40 responses for inclusion. The sample size for HSBC was 454.
| 60% | HSBC | 73% | 4.06% | £999 | 6.49% |
| 60% fee free | HSBC | 73% | 4.18% | £0 | 6.49% |
| 75% | HSBC | 73% | 4.15% | £999 | 6.49% |
| 75% fee free | HSBC | 73% | 4.27% | £0 | 6.49% |
| 85% | HSBC | 73% | 4.27% | £999 | 6.49% |
| 85% fee free | HSBC | 73% | 4.41% | £0 | 6.49% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 74%. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum of 40 responses for inclusion in the results. The sample size for HSBC was 454.
| 60% | HSBC | 73% | 3.99% | £999 | 6.49% |
| 60% fee free | HSBC | 73% | 4.29% | £0 | 6.49% |
| 75% | HSBC | 73% | 4.11% | £999 | 6.49% |
| 75% fee free | HSBC | 73% | 4.45% | £0 | 6.49% |
| 85% | HSBC | 73% | 4.45% | £999 | 6.49% |
| 85% fee free | HSBC | 73% | 4.83% | £0 | 6.49% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 74%. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum of 40 responses for inclusion in the results. The sample size for HSBC was 454.
Find the right mortgage using the fee-free service provided by L&C Mortgages
Compare mortgagesIf you click on the link and complete a mortgage with L&C Mortgages, L&C is paid a commission by the lender and will share part of this fee with Which? Ltd helping fund our not-for-profit mission. We do not allow this relationship to affect our editorial independence. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
We asked HSBC mortgage customers about their experience with the lender.
Here's how customers rated HSBC in various areas of service:
| Category | Star rating |
|---|---|
| Overall customer service | |
| Keeping you well informed (eg telling you about changes to interest rates) | |
| Clarity of mortgage statements | |
| Transparency of charges/penalties | |
| Flexibility of payments (eg being able to overpay/underpay/take payment holidays) | |
| Online access (eg being able to access your account online or via an app) |
Table notes: Star ratings are out of five. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum of 40 responses for inclusion in the results. The sample size for HSBC was 454.
Along with our customer scores and star ratings, we also collect the thoughts of real customers. We found that roughly 80% of comments from HSBC mortgage customers were positive.
Unsurprisingly, given our interest rate analysis, many praised HSBC for offering market-leading rates and 'reasonable charges'. Customers appreciated the 'easy-to-use app' and described the application process as 'smooth.'
The majority of comments on HSBC’s customer service were also positive.
When we checked in September 2025, there were 166 mortgages available from HSBC. Most were fixed-rate deals, meaning your interest rate stays the same for a set initial period.
HSBC mortgages had initial periods of two or five years.
A smaller number of mortgages offered by HSBC were tracker deals, with initial terms lasting two years before reverting to the HSBC standard variable rate.
Using HSBC's affordability calculator, we found that someone with a salary of £50,000 could borrow 5x their salary. We found that a couple, both with a salary of £50,000, could borrow 5.5x their combined salary.
HSBC offers cashback on mortgages for homes with an EPC rating of A or B. Cashback ranges from £350 to £700, depending on the mortgage.
HSBC mortgages have a maximum term length of 25 or 40 years.
Why should you trust Which? research? We’re not influenced by third parties. We work entirely on behalf of you, the consumer – nobody else. See our statement of editorial independence
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