See the latest announcement from HSBC below. Note that you can access HSBC via the Brilliant Solutions mortgage club but the lender does place some restrictions on access. Contact us for details.
HSBC Mortgage Product Guides are available here but check the date to ensure it has been updated to reflect the announcements below.
We’re changing our mortgage products
With effect from Wednesday 26th June, we’ll be making a number of changes to our residential and Buy to Let (BTL) mortgage product ranges.
Summary of changes:
Existing residential customer switching
- 2 Year Fixed Fee Saver at 60%, 70%, 75%, 80%, 85%, and 90% LTV decreasing
- 2 & 5 Year Fixed Standard at 60%, 70%, 75%, 80%, 85% and 90% LTV decreasing
- 3 Year Fixed Fee Saver at 70%, 75%, 80%, 85% and 90% LTV decreasing
- 3 Year Fixed Standard at 80%, 85% and 90% LTV decreasing
- 5 Year Fixed Fee Saver at 60%, 70%, 75%, 80%, 85%, 90% and 95% LTV decreasing
- 5 Year Fixed Premier Exclusive at 60%, 70%, 75%, 80%, 85% and 90% LTV decreasing
Existing residential customer borrowing more
- 2 & 5 Year Fixed Fee Saver at 60%, 70%, 75%, 80%, 85%, and 90% LTV decreasing
- 2 & 5 Year Fixed Standard at 60%, 70%, 75%, 80%, 85% and 90% LTV decreasing
- 3 Year Fixed Fee Saver at 70%, 75%, 80%, 85% and 90% LTV decreasing
- 3 Year Fixed Standard at 80%, 85% and 90% LTV decreasing
- 5 Year Fixed Premier Exclusive at 60%, 70%, 75%, 80%, 85% and 90% LTV decreasing
Residential First Time Buyer / Home mover
- 2, 3 & 5 Year Fixed Fee Saver at 60%, 70%, 75%, 80%, 85% and 90% LTV decreasing
- 2, 3 & 5 Year Fixed Standard at 60%, 70%, 75%, 80%, 85% and 90% LTV decreasing
- 5 Year Fixed Premier Exclusive at 60%, 70%, 75%, 80%, 85% and 90% LTV decreasing
Residential First Time Buyer / Home mover Energy Efficient Home (A & B EPC Rated Properties)
- 2, 3 & 5 Year Fixed Fee Saver at 60%, 70%, 75%, 80%, 85% and 90% LTV decreasing
- 2, 3 & 5 Year Fixed Standard at 60%, 70%, 75%, 80%, 85% and 90% LTV decreasing
Residential Remortgage
- 2 & 5 Year Fixed Fee Saver at 60%, 70%, 75%, 80% and 85% LTV decreasing
- 2, 3 & 5 Year Fixed Standard at 60%, 70%, 75%, 80%, 85% and 90% LTV decreasing
- 3 Year Fixed Fee Saver at 60%, 70%, 75%, 80%, 85% and 90% LTV decreasing
- 5 Year Fixed Premier Exclusive at 60%, 70%, 75%, 80%, 85% and 90% LTV decreasing
Residential Remortgage Cashback
- 2 & 5 Year Fixed Fee Saver at 60%, 70%, 75%, 80% and 85% LTV decreasing
- 2 & 5 Year Fixed Standard at 60%, 70%, 75%, 80%, 85% and 90% LTV decreasing
Residential Remortgage Energy Efficient Home (A & B EPC Rated Properties)
- 2 & 5 Year Fixed Fee Saver at 60%, 70%, 75%, 80% and 85% LTV decreasing
- 2, 3 & 5 Year Fixed Standard at 60%, 70%, 75%, 80%, 85% and 90% LTV decreasing
- 3 Year Fixed Fee Saver at 60%, 70%, 75%, 80%, 85% and 90% LTV decreasing
BTL existing customer switching / Borrowing more
- 2 Year Fixed Fee Saver at 65% and 75% LTV decreasing
- 2 Year Fixed Standard at 75% LTV decreasing
- 5 Year Fixed £1,999 Standard at 60% LTV decreasing
BTL Purchase
- 2 & 5 Year Fixed Fee Saver at 60%, 65% and 75% LTV decreasing
- 2 & 5 Year Fixed £1,999 Standard at 60%, 65% and 75% LTV decreasing
- 2 Year Fixed £3,999 Standard at 60%, 65% and 75% LTV decreasing
- 5 Year Fixed £3,999 Standard at 75% LTV decreasing
BTL Remortgage
- 2 & 5 Year Fixed Fee Saver at 60%, 65% and 75% LTV decreasing
- 2 Year Fixed £1,999 Standard at 60% and 75% LTV decreasing
- 2 & 5 Year Fixed £3,999 Standard at 60%, 65% and 75% LTV decreasing
- 5 Year Fixed £1,999 Standard at 60%, 65% and 75% LTV decreasing
International*
International Residential
- 2, 3 & 5 Year Fixed Fee Saver at 60%, 70% and 75% LTV increasing
- 2, 3 & 5 Year Fixed Standard at 60%, 70% and 75% LTV increasing
- 5 Year Fixed Premier Exclusive at 60%, 70% and 75% LTV increasing
International BTL
- 2 & 5 Year Fixed Fee Saver at 60%, 65% and 75% LTV decreasing
- 2 & 5 Year Fixed Standard at 60%, 65% and 75% LTV decreasing
There are no changes to any other interest rates at this time.
Further information
- Use our ‘Chat with us’ service to request a rate change on an existing mortgage application. Please note, due to increasing demand, wait times may be longer than usual.
- To secure existing product codes, please submit applications in full by midnight, Tuesday 25th June.
- All evidential and supporting documentation must be provided within 30 calendar days of submission.
- The product finder tool and sourcing systems will be updated for Wednesday 26th June.
HSBC UK’s Intermediary Risk Q3 CPD webinars
We will be hosting the following webinars throughout Q3:
CPD approved Mortgage Fraud prevention:
New for 2024, this webinar will take a deep dive into Lender Intelligence, managing difficult conversations and documentation fraud, whilst also covering brand new case studies that have recently been submitted to HSBC UK.
CPD approved Introduction to Mortgage Fraud:
Continuing from 2023, our Intermediary Fraud team will be covering Mortgage Fraud, the latest industry trends, intelligence sharing and best practices, whilst also working through some real-life case studies.
Whether you were unable to attend a previous session, or you would simply like a refresh, please join us.
How to register
To register for one of the above webinars, please use the below link and enter your details:
Intermediary Risk Q3 CPD Webinars.
Once confirmed, please save the invitation to your calendar.
Attendees just register and attend individually to receive their CPD certificate for the webinar. These details will then be used to issue your CPD certificate.
All webinars will last approximately 45 minutes.