HSBC launches over two dozen sub-4% mortgage rates

HSBC UK has reduced nearly all mortgage rates in its range, with rates across all LTVs falling by up to 0.24%.

As a result, the Bank has introduced several rates below 4% in addition to the sub-4% rates already available for Premier customers.

Rate reductions include mortgages for home purchases, remortgage and for existing customers coming to the end of a deal across residential, buy-to-let, and mortgages for international customers.
 
HSBC is now offering more than two dozen sub-4% options, the most available through HSBC since September 2024.

Rates for Premier have reduced by up to 0.19% and now start from 3.88% for a two-year fixed rate at 60% LTV with a £999 fee.

For non-Premier customers, two-year fixed rates now start from 3.91% at 60% LTV with five-year rates starting at 3.93%, both down by 0.19%.

Buy-to-let rates have reduced by up to 0.12% with sub-4% options available, including a 60% LTV remortgage at 3.91% with a £3,999 fee.

International residential mortgages have seen reductions of up to 0.20% with the cheapest rate available now 4.31% for a three-year fix at 60% LTV.

Oli O’Donoghue, director of mortgages at HSBC UK, said: “We are firmly focused on helping people achieve their home ownership goals, from remortgaging their existing property to customers moving onto or up the property ladder. There are a number of factors taken into account when setting mortgage rates and following a review we are pleased to announce rate reductions across our residential, buy-to-let and international mortgage ranges for new and existing customers, with several below 4.00%.”