Mortgage Rates
HSBC Cuts 2-year fixed Rates but Raises 2-year fixed Deals
HSBC mortgage rates changed across 171 tracked product rows. The largest movement was 117 basis points on a 2-year fixed Remortgage BTL Range (A and B Rated Properties Only) - Energy Efficient rate at 80% LTV.
The largest movement
HSBC changed 433 tracked mortgage terms in its 2026-09-15 update. The largest movement affected the 2-year fixed rate on Remortgage BTL Range (A and B Rated Properties Only) - Energy Efficient at 80% LTV: it rose from 4.67% to 5.84%, a 117 basis-point increase.
That headline movement applies to the identified remortgage product, not automatically to every HSBC mortgage. RateWatch separates each borrower category, fixed or tracker term, LTV band and fee so the update remains a dated factual record rather than a lender-wide generalisation.
On an illustrative £250,000 capital-and-interest repayment mortgage over 25 years, the change from 4.67% to 5.84% changes the estimated monthly repayment from £1413.81 to £1586.39. That is an increase of £172.58 per month.
This calculation uses monthly repayments and assumes the stated rate applies throughout the illustration. It excludes arrangement fees, incentives, valuation costs, legal costs, insurance, early-repayment charges and individual affordability or eligibility decisions. It is an illustration of the rate movement, not a mortgage quote or advice.
Rates observed 2026-09-15: Mortgage rates may have changed since this article was published. View the latest rates on the relevant lender page or mortgage comparison.
Products and borrower groups affected
The affected borrowers depend on the product rows below. A 80% LTV product generally requires at least 20% equity or deposit, subject to lender criteria. Someone comparing this update should keep the borrower purpose (remortgage), 2-year fixed term, 80% LTV and fee structure aligned.
The largest basis-point movement is useful as a concise description of the update, but it does not replace a product-level comparison. A smaller movement on another row may be more relevant to a particular borrower, while a fee difference can outweigh a modest headline-rate difference over an initial deal period.
| Borrower type | Product | Term | LTV | Previous | New | Movement | Fee |
|---|---|---|---|---|---|---|---|
| Remortgage | Remortgage BTL Range (A and B Rated Properties Only) - Energy Efficient | 2-year fixed | 80% | 4.67% | 5.84% | +117bps | £999 fee |
| New purchase | Purchase BTL Range (A and B Rated Properties - Energy Efficient | 2-year fixed | 80% | 4.56% | 5.72% | +116bps | £999 fee |
| New purchase | Purchase BTL Range (A, B and C Rated Properties | 5-year fixed | 80% | 4.52% | 5.68% | +116bps | £999 fee |
| Remortgage | Remortgage BTL Range (A and B Rated Properties Only) - Energy Efficient | 2-year fixed | 80% | 5.13% | 6.27% | +114bps | £0 fee |
| Remortgage | Remortgage BTL Range (A, B and C Rated Properties Only) | 5-year fixed | 80% | 4.54% | 5.68% | +114bps | £999 fee |
| New purchase | Purchase BTL Range (A and B Rated Properties - Energy Efficient | 5-year fixed | 80% | 4.88% | 5.98% | +110bps | £0 fee |
| Remortgage | Remortgage BTL Range (A, B and C Rated Properties Only) | 2-year fixed | 80% | 5.18% | 6.27% | +109bps | £0 fee |
| Remortgage | Remortgage BTL Range (A, B and C Rated Properties Only) | 5-year fixed | 80% | 5.13% | 6.22% | +109bps | £0 fee |
| New purchase | Purchase BTL Range (A and B Rated Properties - Energy Efficient | 2-year fixed | 80% | 4.91% | 5.99% | +108bps | £0 fee |
| Remortgage | Remortgage BTL Range (A, B and C Rated Properties Only) | 2-year fixed | 80% | 4.79% | 5.84% | +105bps | £999 fee |
| New purchase | Purchase BTL Range (A and B Rated Properties - Energy Efficient | 5-year fixed | 80% | 4.70% | 5.68% | +98bps | £999 fee |
| Remortgage | Remortgage BTL Range (A and B Rated Properties Only) - Energy Efficient | 5-year fixed | 80% | 4.71% | 5.68% | +97bps | £999 fee |
| New purchase | Purchase BTL Range (A, B and C Rated Properties | 2-year fixed | 80% | 4.77% | 5.72% | +95bps | £999 fee |
| Remortgage | Remortgage BTL Range (A and B Rated Properties Only) - Energy Efficient | 5-year fixed | 80% | 4.89% | 5.83% | +94bps | £0 fee |
| New purchase | Purchase BTL Range (A, B and C Rated Properties | 2-year fixed | 80% | 5.09% | 5.99% | +90bps | £0 fee |
| New purchase | Purchase BTL Range (A, B and C Rated Properties | 5-year fixed | 80% | 5.04% | 5.94% | +90bps | £0 fee |
| Remortgage | Remortgage BTL - Energy Efficient | 2-year fixed | 60% | 5.64% | 4.87% | -77bps | £999 fee |
| New purchase | Purchase BTL - Energy Efficient | 2-year fixed | 60% | 5.52% | 4.76% | -76bps | £999 fee |
| Remortgage | Remortgage BTL - Energy Efficient | 2-year fixed | 60% | 6.07% | 5.33% | -74bps | £0 fee |
| First-time buyer | First Time Buyer - Energy Efficient | 5-year fixed | 95% | 4.98% | 5.69% | +71bps | £0 fee |
| First-time buyer | First Time Buyer - Residential | 5-year fixed | 95% | 4.98% | 5.69% | +71bps | £0 fee |
| New purchase | Purchase BTL - Energy Efficient | 5-year fixed | 60% | 5.78% | 5.08% | -70bps | £0 fee |
| New purchase | Purchase BTL - Energy Efficient | 2-year fixed | 60% | 5.79% | 5.11% | -68bps | £0 fee |
| First-time buyer | First Time Buyer - Energy Efficient | 2-year fixed | 95% | 5.09% | 5.76% | +67bps | £0 fee |
| First-time buyer | First Time Buyer - Residential | 2-year fixed | 95% | 5.09% | 5.76% | +67bps | £0 fee |
| Remortgage | Remortgage BTL - Energy Efficient | 5-year fixed | 60% | 5.48% | 4.86% | -62bps | £999 fee |
| Remortgage | Remortgage BTL - Energy Efficient | 5-year fixed | 60% | 5.63% | 5.02% | -61bps | £0 fee |
| New purchase | Purchase BTL - Energy Efficient | 5-year fixed | 60% | 5.48% | 4.90% | -58bps | £999 fee |
| New purchase | Home Mover - Energy Efficient | 5-year fixed | 95% | 4.99% | 5.55% | +56bps | £0 fee |
| New purchase | Home Mover - Residential | 5-year fixed | 95% | 4.99% | 5.55% | +56bps | £0 fee |
| New purchase | Home Mover - Energy Efficient | 2-year fixed | 95% | 5.09% | 5.64% | +55bps | £0 fee |
| New purchase | Home Mover - Residential | 2-year fixed | 95% | 5.09% | 5.64% | +55bps | £0 fee |
| Remortgage | Remortgage - Residential | 2-year fixed | 90% | 4.99% | 5.42% | +43bps | £999 fee |
| Remortgage | Remortgage - Residential | 2-year fixed | 90% | 4.89% | 5.32% | +43bps | £999 fee |
| Remortgage | RemortgageRange (Not available to - Energy Efficient | 2-year fixed | 90% | 4.99% | 5.42% | +43bps | £999 fee |
| Remortgage | Remortgage - Residential | 2-year fixed | 80% | 5.04% | 5.46% | +42bps | £1,999 fee |
| Remortgage | Remortgage - Residential | 2-year fixed | 80% | 4.79% | 5.21% | +42bps | £999 fee |
| Remortgage | RemortgageRange (Not available to - Energy Efficient | 2-year fixed | 80% | 4.79% | 5.21% | +42bps | £999 fee |
| New purchase | Purchase BTL | 2-year fixed | 65% | 4.56% | 4.97% | +41bps | £999 fee |
| New purchase | Purchase BTL | 5-year fixed | 65% | 4.31% | 4.72% | +41bps | £999 fee |
| Remortgage | Remortgage - Residential | 10-year fixed | 80% | 4.93% | 5.34% | +41bps | £0 fee |
| Remortgage | Remortgage - Residential | tracker | 90% | 4.40% | 4.81% | +41bps | £999 fee |
| Remortgage | RemortgageRange (Not available to - Energy Efficient | 10-year fixed | 80% | 4.93% | 5.34% | +41bps | £0 fee |
| Remortgage | RemortgageRange (Not available to - Energy Efficient | tracker | 90% | 4.40% | 4.81% | +41bps | £999 fee |
| First-time buyer | First Time Buyer - Energy Efficient | 5-year fixed | 70% | 4.63% | 5.03% | +40bps | £999 fee |
| First-time buyer | First Time Buyer - Energy Efficient | 5-year fixed | 70% | 4.74% | 5.14% | +40bps | £0 fee |
| First-time buyer | First Time Buyer - Residential | 5-year fixed | 70% | 4.88% | 5.28% | +40bps | £1,999 fee |
| First-time buyer | First Time Buyer - Residential | 5-year fixed | 70% | 4.63% | 5.03% | +40bps | £999 fee |
| First-time buyer | First Time Buyer - Residential | 5-year fixed | 70% | 4.74% | 5.14% | +40bps | £0 fee |
| New purchase | Purchase International BTL | 5-year fixed | 75% | 5.29% | 5.69% | +40bps | £0 fee |
| Remortgage | Remortgage - Residential | 5-year fixed | 80% | 5.04% | 5.44% | +40bps | £1,999 fee |
| Remortgage | Remortgage - Residential | 5-year fixed | 80% | 4.79% | 5.19% | +40bps | £999 fee |
| Remortgage | Remortgage International BTL | 5-year fixed | 75% | 5.29% | 5.69% | +40bps | £0 fee |
| Remortgage | RemortgageRange (Not available to - Energy Efficient | 5-year fixed | 80% | 4.79% | 5.19% | +40bps | £999 fee |
| First-time buyer | First Time Buyer - Residential | 5-year fixed | 70% | 4.60% | 4.98% | +38bps | £999 fee |
| New purchase | Purchase BTL | 2-year fixed | 65% | 4.91% | 5.29% | +38bps | £0 fee |
| New purchase | Purchase BTL | 5-year fixed | 65% | 4.86% | 5.24% | +38bps | £0 fee |
| Remortgage | Remortgage - Residential | 2-year fixed | 80% | 5.12% | 5.49% | +37bps | £0 fee |
| Remortgage | Remortgage - Residential | 5-year fixed | 80% | 5.12% | 5.49% | +37bps | £0 fee |
| Remortgage | Remortgage - Residential | 2-year fixed | 90% | 5.27% | 5.64% | +37bps | £0 fee |
| Remortgage | Remortgage - Residential | 5-year fixed | 90% | 5.27% | 5.64% | +37bps | £0 fee |
| Remortgage | RemortgageRange (Not available to - Energy Efficient | 2-year fixed | 80% | 5.12% | 5.49% | +37bps | £0 fee |
| Remortgage | RemortgageRange (Not available to - Energy Efficient | 5-year fixed | 80% | 5.12% | 5.49% | +37bps | £0 fee |
| Remortgage | RemortgageRange (Not available to - Energy Efficient | 2-year fixed | 90% | 5.27% | 5.64% | +37bps | £0 fee |
| Remortgage | RemortgageRange (Not available to - Energy Efficient | 5-year fixed | 90% | 5.27% | 5.64% | +37bps | £0 fee |
| New purchase | Home Mover - Energy Efficient | 2-year fixed | 70% | 4.79% | 5.15% | +36bps | £0 fee |
| New purchase | Home Mover - Energy Efficient | 5-year fixed | 70% | 4.68% | 5.04% | +36bps | £0 fee |
| New purchase | Home Mover - Energy Efficient | 5-year fixed | 80% | 4.73% | 5.09% | +36bps | £999 fee |
| New purchase | Home Mover - Residential | 2-year fixed | 70% | 4.79% | 5.15% | +36bps | £0 fee |
| New purchase | Home Mover - Residential | 5-year fixed | 70% | 4.68% | 5.04% | +36bps | £0 fee |
| New purchase | Home Mover - Residential | 5-year fixed | 80% | 4.98% | 5.34% | +36bps | £1,999 fee |
| New purchase | Home Mover - Residential | 5-year fixed | 80% | 4.73% | 5.09% | +36bps | £999 fee |
| New purchase | Home Mover - Residential | 5-year fixed | 80% | 4.70% | 5.06% | +36bps | £999 fee |
| New purchase | International Purchase - Residential | 2-year fixed | 70% | 5.32% | 5.68% | +36bps | £0 fee |
| New purchase | Purchase International BTL | tracker | 75% | 4.73% | 5.09% | +36bps | £999 fee |
| Remortgage | International Remortgage - Residential | 2-year fixed | 70% | 5.32% | 5.68% | +36bps | £0 fee |
| Remortgage | Remortgage - Residential | 2-year fixed | 70% | 4.92% | 5.28% | +36bps | £0 fee |
| Remortgage | Remortgage - Residential | 5-year fixed | 70% | 4.92% | 5.28% | +36bps | £0 fee |
| Remortgage | Remortgage International BTL | tracker | 75% | 4.73% | 5.09% | +36bps | £999 fee |
| Remortgage | RemortgageRange (Not available to - Energy Efficient | 2-year fixed | 70% | 4.92% | 5.28% | +36bps | £0 fee |
| Remortgage | RemortgageRange (Not available to - Energy Efficient | 5-year fixed | 70% | 4.92% | 5.28% | +36bps | £0 fee |
| New purchase | Home Mover - Energy Efficient | 2-year fixed | 70% | 4.59% | 4.94% | +35bps | £999 fee |
| New purchase | Home Mover - Energy Efficient | 5-year fixed | 70% | 4.58% | 4.93% | +35bps | £999 fee |
| New purchase | Home Mover - Energy Efficient | 2-year fixed | 80% | 4.99% | 5.34% | +35bps | £0 fee |
| New purchase | Home Mover - Residential | 2-year fixed | 70% | 4.84% | 5.19% | +35bps | £1,999 fee |
| New purchase | Home Mover - Residential | 5-year fixed | 70% | 4.83% | 5.18% | +35bps | £1,999 fee |
| New purchase | Home Mover - Residential | 2-year fixed | 70% | 4.59% | 4.94% | +35bps | £999 fee |
| New purchase | Home Mover - Residential | 5-year fixed | 70% | 4.58% | 4.93% | +35bps | £999 fee |
| New purchase | Home Mover - Residential | 2-year fixed | 70% | 4.56% | 4.91% | +35bps | £999 fee |
| New purchase | Home Mover - Residential | 5-year fixed | 70% | 4.55% | 4.90% | +35bps | £999 fee |
| New purchase | Home Mover - Residential | 2-year fixed | 80% | 4.99% | 5.34% | +35bps | £0 fee |
| Remortgage | Remortgage - Residential | 2-year fixed | 80% | 4.76% | 5.11% | +35bps | £999 fee |
| New purchase | Home Mover - Energy Efficient | 5-year fixed | 80% | 4.84% | 5.18% | +34bps | £0 fee |
| New purchase | Home Mover - Residential | 5-year fixed | 80% | 4.84% | 5.18% | +34bps | £0 fee |
| New purchase | International Purchase - Residential | 10-year fixed | 70% | 5.24% | 5.58% | +34bps | £0 fee |
| Remortgage | International Remortgage - Residential | 10-year fixed | 70% | 5.24% | 5.58% | +34bps | £0 fee |
| Remortgage | Remortgage - Residential | 2-year fixed | 70% | 4.89% | 5.23% | +34bps | £1,999 fee |
| Remortgage | Remortgage - Residential | 2-year fixed | 70% | 4.64% | 4.98% | +34bps | £999 fee |
| Remortgage | Remortgage - Residential | 10-year fixed | 70% | 4.84% | 5.18% | +34bps | £0 fee |
| Remortgage | Remortgage - Residential | 2-year fixed | 70% | 4.61% | 4.95% | +34bps | £999 fee |
| Remortgage | RemortgageRange (Not available to - Energy Efficient | 2-year fixed | 70% | 4.64% | 4.98% | +34bps | £999 fee |
| Remortgage | RemortgageRange (Not available to - Energy Efficient | 10-year fixed | 70% | 4.84% | 5.18% | +34bps | £0 fee |
| First-time buyer | First Time Buyer - Energy Efficient | 2-year fixed | 70% | 4.86% | 5.19% | +33bps | £0 fee |
| First-time buyer | First Time Buyer - Energy Efficient | tracker | 80% | 4.17% | 4.50% | +33bps | £999 fee |
| First-time buyer | First Time Buyer - Residential | 2-year fixed | 70% | 4.86% | 5.19% | +33bps | £0 fee |
| First-time buyer | First Time Buyer - Residential | tracker | 80% | 4.42% | 4.75% | +33bps | £1,999 fee |
| First-time buyer | First Time Buyer - Residential | tracker | 80% | 4.17% | 4.50% | +33bps | £999 fee |
| New purchase | Home Mover - Energy Efficient | tracker | 80% | 4.17% | 4.50% | +33bps | £999 fee |
| New purchase | Home Mover - Energy Efficient | 2-year fixed | 85% | 4.76% | 5.09% | +33bps | £999 fee |
| New purchase | Home Mover - Energy Efficient | 5-year fixed | 85% | 4.76% | 5.09% | +33bps | £999 fee |
| New purchase | Home Mover - Residential | tracker | 80% | 4.42% | 4.75% | +33bps | £1,999 fee |
| New purchase | Home Mover - Residential | tracker | 80% | 4.17% | 4.50% | +33bps | £999 fee |
| New purchase | Home Mover - Residential | 2-year fixed | 85% | 5.01% | 5.34% | +33bps | £1,999 fee |
| New purchase | Home Mover - Residential | 5-year fixed | 85% | 5.01% | 5.34% | +33bps | £1,999 fee |
| New purchase | Home Mover - Residential | 2-year fixed | 85% | 4.76% | 5.09% | +33bps | £999 fee |
| New purchase | Home Mover - Residential | 5-year fixed | 85% | 4.76% | 5.09% | +33bps | £999 fee |
| New purchase | Home Mover - Residential | 2-year fixed | 85% | 4.73% | 5.06% | +33bps | £999 fee |
| New purchase | Home Mover - Residential | 5-year fixed | 85% | 4.73% | 5.06% | +33bps | £999 fee |
| New purchase | International Purchase - Residential | 10-year fixed | 70% | 5.10% | 5.43% | +33bps | £999 fee |
| New purchase | Purchase International BTL | 5-year fixed | 75% | 5.11% | 5.44% | +33bps | £999 fee |
| Remortgage | International Remortgage - Residential | 10-year fixed | 70% | 5.10% | 5.43% | +33bps | £999 fee |
| Remortgage | Remortgage - Residential | 5-year fixed | 80% | 4.76% | 5.09% | +33bps | £999 fee |
| Remortgage | Remortgage International BTL | 5-year fixed | 75% | 5.11% | 5.44% | +33bps | £999 fee |
| New purchase | Purchase International BTL | 2-year fixed | 75% | 5.07% | 5.39% | +32bps | £999 fee |
| Remortgage | Remortgage - Residential | 2-year fixed | 85% | 5.14% | 5.46% | +32bps | £1,999 fee |
| Remortgage | Remortgage BTL | 2-year fixed | 65% | 4.67% | 4.99% | +32bps | £999 fee |
| Remortgage | Remortgage BTL | 5-year fixed | 65% | 4.42% | 4.74% | +32bps | £999 fee |
| Remortgage | Remortgage International BTL | 2-year fixed | 75% | 5.07% | 5.39% | +32bps | £999 fee |
| New purchase | International Purchase - Residential | 5-year fixed | 70% | 5.07% | 5.38% | +31bps | £999 fee |
| Remortgage | International Remortgage - Residential | 5-year fixed | 70% | 5.07% | 5.38% | +31bps | £999 fee |
| Remortgage | Remortgage BTL | 2-year fixed | 75% | 4.68% | 4.99% | +31bps | £999 fee |
| Remortgage | Remortgage BTL | 5-year fixed | 75% | 4.43% | 4.74% | +31bps | £999 fee |
| First-time buyer | First Time Buyer - Energy Efficient | 5-year fixed | 85% | 4.77% | 5.07% | +30bps | £999 fee |
| First-time buyer | First Time Buyer - Residential | 5-year fixed | 85% | 5.02% | 5.32% | +30bps | £1,999 fee |
| First-time buyer | First Time Buyer - Residential | 5-year fixed | 85% | 4.77% | 5.07% | +30bps | £999 fee |
| First-time buyer | First Time Buyer - Residential | 5-year fixed | 85% | 4.72% | 5.02% | +30bps | £999 fee |
| New purchase | Home Mover - Energy Efficient | 2-year fixed | 80% | 4.79% | 5.09% | +30bps | £999 fee |
| New purchase | Home Mover - Residential | 2-year fixed | 80% | 5.04% | 5.34% | +30bps | £1,999 fee |
| New purchase | Home Mover - Residential | 2-year fixed | 80% | 4.79% | 5.09% | +30bps | £999 fee |
| New purchase | Home Mover - Residential | 2-year fixed | 80% | 4.76% | 5.06% | +30bps | £999 fee |
| New purchase | International Purchase - Residential | 2-year fixed | 70% | 5.08% | 5.38% | +30bps | £999 fee |
| New purchase | International Purchase - Residential | 2-year fixed | 70% | 5.05% | 5.35% | +30bps | £999 fee |
| New purchase | Purchase BTL | 2-year fixed | 75% | 4.67% | 4.97% | +30bps | £999 fee |
| New purchase | Purchase BTL | 5-year fixed | 75% | 4.42% | 4.72% | +30bps | £999 fee |
| New purchase | Purchase BTL | 2-year fixed | 75% | 4.99% | 5.29% | +30bps | £0 fee |
| New purchase | Purchase BTL | 5-year fixed | 75% | 4.94% | 5.24% | +30bps | £0 fee |
| Remortgage | International Remortgage - Residential | 2-year fixed | 70% | 5.08% | 5.38% | +30bps | £999 fee |
| Remortgage | International Remortgage - Residential | 2-year fixed | 70% | 5.05% | 5.35% | +30bps | £999 fee |
| Remortgage | Remortgage - Residential | 5-year fixed | 70% | 4.95% | 5.25% | +30bps | £1,999 fee |
| Remortgage | Remortgage - Residential | 5-year fixed | 70% | 4.70% | 5.00% | +30bps | £999 fee |
| Remortgage | Remortgage - Residential | 5-year fixed | 70% | 4.67% | 4.97% | +30bps | £999 fee |
| Remortgage | Remortgage - Residential | 5-year fixed | 85% | 5.14% | 5.44% | +30bps | £1,999 fee |
| Remortgage | Remortgage BTL | 2-year fixed | 75% | 5.08% | 5.38% | +30bps | £0 fee |
| Remortgage | Remortgage BTL | 5-year fixed | 75% | 5.03% | 5.33% | +30bps | £0 fee |
| Remortgage | Remortgage BTL - Energy Efficient | tracker | 75% | 4.39% | 4.69% | +30bps | £999 fee |
| Remortgage | RemortgageRange (Not available to - Energy Efficient | 5-year fixed | 70% | 4.70% | 5.00% | +30bps | £999 fee |
| First-time buyer | First Time Buyer - Energy Efficient | 2-year fixed | 70% | 4.68% | 4.97% | +29bps | £999 fee |
| First-time buyer | First Time Buyer - Residential | 2-year fixed | 70% | 4.93% | 5.22% | +29bps | £1,999 fee |
| First-time buyer | First Time Buyer - Residential | 2-year fixed | 70% | 4.68% | 4.97% | +29bps | £999 fee |
| Remortgage | Remortgage - Residential | tracker | 80% | 4.47% | 4.75% | +28bps | £1,999 fee |
| Remortgage | Remortgage - Residential | tracker | 80% | 4.22% | 4.50% | +28bps | £999 fee |
| Remortgage | Remortgage - Residential | 5-year fixed | 90% | 4.99% | 5.27% | +28bps | £999 fee |
| Remortgage | Remortgage - Residential | 5-year fixed | 90% | 4.89% | 5.17% | +28bps | £999 fee |
| Remortgage | RemortgageRange (Not available to - Energy Efficient | tracker | 80% | 4.22% | 4.50% | +28bps | £999 fee |
| Remortgage | RemortgageRange (Not available to - Energy Efficient | 5-year fixed | 90% | 4.99% | 5.27% | +28bps | £999 fee |
| First-time buyer | First Time Buyer - Energy Efficient | 2-year fixed | 85% | 4.77% | 5.04% | +27bps | £999 fee |
| First-time buyer | First Time Buyer - Residential | 2-year fixed | 70% | 4.65% | 4.92% | +27bps | £999 fee |
| First-time buyer | First Time Buyer - Residential | 2-year fixed | 85% | 5.02% | 5.29% | +27bps | £1,999 fee |
| First-time buyer | First Time Buyer - Residential | 2-year fixed | 85% | 4.77% | 5.04% | +27bps | £999 fee |
| First-time buyer | First Time Buyer - Residential | 2-year fixed | 85% | 4.72% | 4.99% | +27bps | £999 fee |
| First-time buyer | First Time Buyer - Energy Efficient | 2-year fixed | 80% | 5.04% | 5.29% | +25bps | £0 fee |
| First-time buyer | First Time Buyer - Energy Efficient | 2-year fixed | 90% | 5.19% | 5.44% | +25bps | £0 fee |
| First-time buyer | First Time Buyer - Residential | 2-year fixed | 80% | 5.04% | 5.29% | +25bps | £0 fee |
| First-time buyer | First Time Buyer - Residential | 2-year fixed | 90% | 5.19% | 5.44% | +25bps | £0 fee |
| New purchase | Home Mover - Energy Efficient | 2-year fixed | 90% | 4.94% | 5.19% | +25bps | £999 fee |
| New purchase | Home Mover - Energy Efficient | 2-year fixed | 90% | 5.19% | 5.44% | +25bps | £0 fee |
| New purchase | Home Mover - Residential | 2-year fixed | 90% | 4.94% | 5.19% | +25bps | £999 fee |
| New purchase | Home Mover - Residential | 2-year fixed | 90% | 5.19% | 5.44% | +25bps | £0 fee |
| New purchase | Home Mover - Residential | 2-year fixed | 90% | 4.91% | 5.16% | +25bps | £999 fee |
| New purchase | Purchase International BTL | 2-year fixed | 75% | 5.53% | 5.78% | +25bps | £0 fee |
| Remortgage | Remortgage BTL | 2-year fixed | 65% | 5.13% | 5.38% | +25bps | £0 fee |
| Remortgage | Remortgage BTL | 5-year fixed | 65% | 5.08% | 5.33% | +25bps | £0 fee |
| Remortgage | Remortgage International BTL | 2-year fixed | 75% | 5.53% | 5.78% | +25bps | £0 fee |
| First-time buyer | First Time Buyer - Energy Efficient | 5-year fixed | 80% | 4.83% | 5.07% | +24bps | £999 fee |
| First-time buyer | First Time Buyer - Energy Efficient | 5-year fixed | 80% | 4.94% | 5.18% | +24bps | £0 fee |
| First-time buyer | First Time Buyer - Residential | 5-year fixed | 80% | 5.08% | 5.32% | +24bps | £1,999 fee |
| First-time buyer | First Time Buyer - Residential | 5-year fixed | 80% | 4.83% | 5.07% | +24bps | £999 fee |
| First-time buyer | First Time Buyer - Residential | 5-year fixed | 80% | 4.94% | 5.18% | +24bps | £0 fee |
| First-time buyer | First Time Buyer - Residential | 5-year fixed | 80% | 4.78% | 5.02% | +24bps | £999 fee |
| New purchase | International Purchase - Residential | 10-year fixed | 75% | 5.34% | 5.58% | +24bps | £0 fee |
| Remortgage | International Remortgage - Residential | 10-year fixed | 75% | 5.34% | 5.58% | +24bps | £0 fee |
| First-time buyer | First Time Buyer - Energy Efficient | tracker | 70% | 4.05% | 4.27% | +22bps | £999 fee |
| First-time buyer | First Time Buyer - Energy Efficient | 2-year fixed | 80% | 4.82% | 5.04% | +22bps | £999 fee |
| First-time buyer | First Time Buyer - Energy Efficient | 5-year fixed | 90% | 5.09% | 5.31% | +22bps | £0 fee |
| First-time buyer | First Time Buyer - Residential | tracker | 70% | 4.30% | 4.52% | +22bps | £1,999 fee |
| First-time buyer | First Time Buyer - Residential | tracker | 70% | 4.05% | 4.27% | +22bps | £999 fee |
| First-time buyer | First Time Buyer - Residential | 2-year fixed | 80% | 5.07% | 5.29% | +22bps | £1,999 fee |
| First-time buyer | First Time Buyer - Residential | 2-year fixed | 80% | 4.82% | 5.04% | +22bps | £999 fee |
| First-time buyer | First Time Buyer - Residential | 2-year fixed | 80% | 4.77% | 4.99% | +22bps | £999 fee |
| First-time buyer | First Time Buyer - Residential | 5-year fixed | 90% | 5.09% | 5.31% | +22bps | £0 fee |
| New purchase | Home Mover - Energy Efficient | tracker | 70% | 4.05% | 4.27% | +22bps | £999 fee |
| New purchase | Home Mover - Residential | tracker | 70% | 4.30% | 4.52% | +22bps | £1,999 fee |
| New purchase | Home Mover - Residential | tracker | 70% | 4.05% | 4.27% | +22bps | £999 fee |
| Remortgage | Remortgage - Residential | tracker | 85% | 4.71% | 4.50% | -21bps | £999 fee |
| Remortgage | RemortgageRange (Not available to - Energy Efficient | tracker | 85% | 4.71% | 4.50% | -21bps | £999 fee |
| First-time buyer | First Time Buyer - Energy Efficient | 2-year fixed | 90% | 4.99% | 5.19% | +20bps | £999 fee |
| First-time buyer | First Time Buyer - Energy Efficient | 5-year fixed | 90% | 4.98% | 5.18% | +20bps | £999 fee |
| First-time buyer | First Time Buyer - Residential | 2-year fixed | 90% | 4.99% | 5.19% | +20bps | £999 fee |
| First-time buyer | First Time Buyer - Residential | 5-year fixed | 90% | 4.98% | 5.18% | +20bps | £999 fee |
| First-time buyer | First Time Buyer - Residential | 2-year fixed | 90% | 4.94% | 5.14% | +20bps | £999 fee |
| First-time buyer | First Time Buyer - Residential | 5-year fixed | 90% | 4.93% | 5.13% | +20bps | £999 fee |
| New purchase | Home Mover - Energy Efficient | 5-year fixed | 90% | 4.99% | 5.19% | +20bps | £999 fee |
| New purchase | Home Mover - Energy Efficient | 5-year fixed | 90% | 5.09% | 5.29% | +20bps | £0 fee |
| New purchase | Home Mover - Residential | 5-year fixed | 90% | 4.99% | 5.19% | +20bps | £999 fee |
| New purchase | Home Mover - Residential | 5-year fixed | 90% | 5.09% | 5.29% | +20bps | £0 fee |
| New purchase | Home Mover - Residential | 5-year fixed | 90% | 4.96% | 5.16% | +20bps | £999 fee |
| New purchase | International Purchase - Residential | tracker | 70% | 4.52% | 4.72% | +20bps | £999 fee |
| New purchase | International Purchase - Residential | 10-year fixed | 75% | 5.23% | 5.43% | +20bps | £999 fee |
| New purchase | International Purchase - Residential | 5-year fixed | 75% | 5.18% | 5.38% | +20bps | £999 fee |
| New purchase | Purchase BTL - Energy Efficient | 2-year fixed | 65% | 4.77% | 4.97% | +20bps | £999 fee |
| New purchase | Purchase BTL - Energy Efficient | 5-year fixed | 65% | 4.78% | 4.98% | +20bps | £999 fee |
| New purchase | Purchase BTL - Energy Efficient | 2-year fixed | 65% | 5.09% | 5.29% | +20bps | £0 fee |
| New purchase | Purchase BTL - Energy Efficient | 5-year fixed | 65% | 5.09% | 5.29% | +20bps | £0 fee |
| New purchase | Purchase BTL - Energy Efficient | 2-year fixed | 75% | 4.77% | 4.97% | +20bps | £999 fee |
| New purchase | Purchase BTL - Energy Efficient | 5-year fixed | 75% | 4.78% | 4.98% | +20bps | £999 fee |
| New purchase | Purchase BTL - Energy Efficient | 2-year fixed | 75% | 5.09% | 5.29% | +20bps | £0 fee |
| New purchase | Purchase BTL - Energy Efficient | 5-year fixed | 75% | 5.09% | 5.29% | +20bps | £0 fee |
| New purchase | Purchase BTL - Energy Efficient | tracker | 75% | 5.24% | 5.44% | +20bps | £0 fee |
| New purchase | Purchase International BTL | 2-year fixed | 65% | 5.19% | 5.39% | +20bps | £999 fee |
| New purchase | Purchase International BTL | 5-year fixed | 65% | 5.24% | 5.44% | +20bps | £999 fee |
| New purchase | Purchase International BTL | 2-year fixed | 65% | 5.58% | 5.78% | +20bps | £0 fee |
| New purchase | Purchase International BTL | 5-year fixed | 65% | 5.49% | 5.69% | +20bps | £0 fee |
| New purchase | Purchase International BTL | tracker | 75% | 5.64% | 5.84% | +20bps | £0 fee |
| Remortgage | International Remortgage - Residential | tracker | 70% | 4.52% | 4.72% | +20bps | £999 fee |
| Remortgage | International Remortgage - Residential | 10-year fixed | 75% | 5.23% | 5.43% | +20bps | £999 fee |
| Remortgage | International Remortgage - Residential | 5-year fixed | 75% | 5.18% | 5.38% | +20bps | £999 fee |
| Remortgage | Remortgage - Residential | tracker | 70% | 4.37% | 4.57% | +20bps | £1,999 fee |
| Remortgage | Remortgage - Residential | tracker | 70% | 4.12% | 4.32% | +20bps | £999 fee |
| Remortgage | Remortgage BTL - Energy Efficient | 2-year fixed | 65% | 4.79% | 4.99% | +20bps | £999 fee |
| Remortgage | Remortgage BTL - Energy Efficient | 5-year fixed | 65% | 4.84% | 5.04% | +20bps | £999 fee |
| Remortgage | Remortgage BTL - Energy Efficient | 2-year fixed | 65% | 5.18% | 5.38% | +20bps | £0 fee |
| Remortgage | Remortgage BTL - Energy Efficient | 5-year fixed | 65% | 5.09% | 5.29% | +20bps | £0 fee |
| Remortgage | Remortgage BTL - Energy Efficient | 2-year fixed | 75% | 4.79% | 4.99% | +20bps | £999 fee |
| Remortgage | Remortgage BTL - Energy Efficient | 5-year fixed | 75% | 4.84% | 5.04% | +20bps | £999 fee |
| Remortgage | Remortgage BTL - Energy Efficient | 2-year fixed | 75% | 5.18% | 5.38% | +20bps | £0 fee |
| Remortgage | Remortgage BTL - Energy Efficient | 5-year fixed | 75% | 5.09% | 5.29% | +20bps | £0 fee |
| Remortgage | Remortgage BTL - Energy Efficient | tracker | 75% | 5.24% | 5.44% | +20bps | £0 fee |
| Remortgage | Remortgage International BTL | 2-year fixed | 65% | 5.19% | 5.39% | +20bps | £999 fee |
| Remortgage | Remortgage International BTL | 5-year fixed | 65% | 5.24% | 5.44% | +20bps | £999 fee |
| Remortgage | Remortgage International BTL | 2-year fixed | 65% | 5.58% | 5.78% | +20bps | £0 fee |
| Remortgage | Remortgage International BTL | 5-year fixed | 65% | 5.49% | 5.69% | +20bps | £0 fee |
| Remortgage | Remortgage International BTL | tracker | 75% | 5.64% | 5.84% | +20bps | £0 fee |
| Remortgage | RemortgageRange (Not available to - Energy Efficient | tracker | 70% | 4.12% | 4.32% | +20bps | £999 fee |
| New purchase | International Purchase - Residential | 5-year fixed | 70% | 5.01% | 5.19% | +18bps | £999 fee |
| New purchase | International Purchase - Residential | 2-year fixed | 75% | 5.17% | 5.35% | +18bps | £999 fee |
| Remortgage | International Remortgage - Residential | 5-year fixed | 70% | 5.01% | 5.19% | +18bps | £999 fee |
| Remortgage | International Remortgage - Residential | 2-year fixed | 75% | 5.17% | 5.35% | +18bps | £999 fee |
| First-time buyer | First Time Buyer - Energy Efficient | 5-year fixed | 75% | 4.87% | 5.03% | +16bps | £999 fee |
| First-time buyer | First Time Buyer - Energy Efficient | 5-year fixed | 75% | 4.98% | 5.14% | +16bps | £0 fee |
| First-time buyer | First Time Buyer - Energy Efficient | 5-year fixed | 85% | 5.34% | 5.18% | -16bps | £0 fee |
| First-time buyer | First Time Buyer - Residential | 5-year fixed | 75% | 5.12% | 5.28% | +16bps | £1,999 fee |
| First-time buyer | First Time Buyer - Residential | 5-year fixed | 75% | 4.87% | 5.03% | +16bps | £999 fee |
| First-time buyer | First Time Buyer - Residential | 5-year fixed | 75% | 4.98% | 5.14% | +16bps | £0 fee |
| First-time buyer | First Time Buyer - Residential | 5-year fixed | 75% | 4.82% | 4.98% | +16bps | £999 fee |
| First-time buyer | First Time Buyer - Residential | 5-year fixed | 85% | 5.34% | 5.18% | -16bps | £0 fee |
| New purchase | International Purchase - Residential | 2-year fixed | 75% | 5.22% | 5.38% | +16bps | £999 fee |
| New purchase | International Purchase - Residential | 2-year fixed | 75% | 5.52% | 5.68% | +16bps | £0 fee |
| New purchase | Purchase BTL | tracker | 65% | 4.33% | 4.49% | +16bps | £999 fee |
| New purchase | Purchase International BTL | tracker | 60% | 4.99% | 4.83% | -16bps | £999 fee |
| Remortgage | International Remortgage - Residential | 2-year fixed | 75% | 5.22% | 5.38% | +16bps | £999 fee |
| Remortgage | International Remortgage - Residential | 2-year fixed | 75% | 5.52% | 5.68% | +16bps | £0 fee |
| Remortgage | Remortgage BTL | tracker | 65% | 4.33% | 4.49% | +16bps | £999 fee |
| Remortgage | Remortgage International BTL | tracker | 60% | 4.99% | 4.83% | -16bps | £999 fee |
| New purchase | International Purchase - Residential | 5-year fixed | 70% | 5.26% | 5.41% | +15bps | £0 fee |
| New purchase | Purchase International BTL | 2-year fixed | 60% | 5.58% | 5.73% | +15bps | £0 fee |
| Remortgage | International Remortgage - Residential | 5-year fixed | 70% | 5.26% | 5.41% | +15bps | £0 fee |
| Remortgage | Remortgage BTL | 2-year fixed | 60% | 5.18% | 5.33% | +15bps | £0 fee |
| Remortgage | Remortgage BTL | 5-year fixed | 60% | 5.13% | 5.28% | +15bps | £0 fee |
| Remortgage | Remortgage International BTL | 2-year fixed | 60% | 5.58% | 5.73% | +15bps | £0 fee |
| First-time buyer | First Time Buyer - Energy Efficient | tracker | 75% | 4.40% | 4.27% | -13bps | £999 fee |
| First-time buyer | First Time Buyer - Residential | tracker | 75% | 4.65% | 4.52% | -13bps | £1,999 fee |
| First-time buyer | First Time Buyer - Residential | tracker | 75% | 4.40% | 4.27% | -13bps | £999 fee |
| New purchase | Home Mover - Energy Efficient | tracker | 75% | 4.40% | 4.27% | -13bps | £999 fee |
| New purchase | Home Mover - Residential | tracker | 75% | 4.65% | 4.52% | -13bps | £1,999 fee |
| New purchase | Home Mover - Residential | tracker | 75% | 4.40% | 4.27% | -13bps | £999 fee |
| Remortgage | Remortgage - Residential | 5-year fixed | 85% | 5.07% | 5.19% | +12bps | £999 fee |
| Remortgage | Remortgage - Residential | 5-year fixed | 85% | 4.97% | 5.09% | +12bps | £999 fee |
| Remortgage | RemortgageRange (Not available to - Energy Efficient | 5-year fixed | 85% | 5.07% | 5.19% | +12bps | £999 fee |
| New purchase | Home Mover - Energy Efficient | 5-year fixed | 85% | 5.29% | 5.18% | -11bps | £0 fee |
| New purchase | Home Mover - Residential | 5-year fixed | 85% | 5.29% | 5.18% | -11bps | £0 fee |
| First-time buyer | First Time Buyer - Energy Efficient | 2-year fixed | 75% | 4.87% | 4.97% | +10bps | £999 fee |
| First-time buyer | First Time Buyer - Energy Efficient | 2-year fixed | 75% | 5.09% | 5.19% | +10bps | £0 fee |
| First-time buyer | First Time Buyer - Energy Efficient | tracker | 85% | 4.40% | 4.50% | +10bps | £999 fee |
| First-time buyer | First Time Buyer - Energy Efficient | 2-year fixed | 85% | 5.39% | 5.29% | -10bps | £0 fee |
| First-time buyer | First Time Buyer - Energy Efficient | tracker | 90% | 4.71% | 4.81% | +10bps | £999 fee |
| First-time buyer | First Time Buyer - Residential | 2-year fixed | 75% | 5.12% | 5.22% | +10bps | £1,999 fee |
| First-time buyer | First Time Buyer - Residential | 2-year fixed | 75% | 4.87% | 4.97% | +10bps | £999 fee |
| First-time buyer | First Time Buyer - Residential | 2-year fixed | 75% | 5.09% | 5.19% | +10bps | £0 fee |
| First-time buyer | First Time Buyer - Residential | 2-year fixed | 75% | 4.82% | 4.92% | +10bps | £999 fee |
| First-time buyer | First Time Buyer - Residential | tracker | 85% | 4.65% | 4.75% | +10bps | £1,999 fee |
| First-time buyer | First Time Buyer - Residential | tracker | 85% | 4.40% | 4.50% | +10bps | £999 fee |
| First-time buyer | First Time Buyer - Residential | 2-year fixed | 85% | 5.39% | 5.29% | -10bps | £0 fee |
| First-time buyer | First Time Buyer - Residential | tracker | 90% | 4.71% | 4.81% | +10bps | £999 fee |
| New purchase | Home Mover - Energy Efficient | 2-year fixed | 75% | 4.84% | 4.94% | +10bps | £999 fee |
| New purchase | Home Mover - Energy Efficient | tracker | 85% | 4.40% | 4.50% | +10bps | £999 fee |
| New purchase | Home Mover - Energy Efficient | tracker | 90% | 4.71% | 4.81% | +10bps | £999 fee |
| New purchase | Home Mover - Residential | 2-year fixed | 75% | 5.09% | 5.19% | +10bps | £1,999 fee |
| New purchase | Home Mover - Residential | 2-year fixed | 75% | 4.84% | 4.94% | +10bps | £999 fee |
| New purchase | Home Mover - Residential | 2-year fixed | 75% | 4.81% | 4.91% | +10bps | £999 fee |
| New purchase | Home Mover - Residential | tracker | 85% | 4.65% | 4.75% | +10bps | £1,999 fee |
| New purchase | Home Mover - Residential | tracker | 85% | 4.40% | 4.50% | +10bps | £999 fee |
| New purchase | Home Mover - Residential | tracker | 90% | 4.71% | 4.81% | +10bps | £999 fee |
| New purchase | International Purchase - Residential | tracker | 75% | 4.62% | 4.72% | +10bps | £999 fee |
| New purchase | International Purchase - Residential | 5-year fixed | 75% | 5.31% | 5.41% | +10bps | £0 fee |
| New purchase | Purchase BTL | tracker | 60% | 5.24% | 5.34% | +10bps | £0 fee |
| New purchase | Purchase BTL | tracker | 65% | 5.24% | 5.34% | +10bps | £0 fee |
| New purchase | Purchase BTL | tracker | 75% | 4.59% | 4.69% | +10bps | £999 fee |
| New purchase | Purchase BTL | tracker | 75% | 5.34% | 5.44% | +10bps | £0 fee |
| New purchase | Purchase BTL - Energy Efficient | tracker | 65% | 4.59% | 4.69% | +10bps | £999 fee |
| New purchase | Purchase BTL - Energy Efficient | tracker | 75% | 4.59% | 4.69% | +10bps | £999 fee |
| New purchase | Purchase International BTL | tracker | 65% | 4.79% | 4.89% | +10bps | £999 fee |
| New purchase | Purchase International BTL | tracker | 65% | 5.64% | 5.74% | +10bps | £0 fee |
| Remortgage | International Remortgage - Residential | tracker | 75% | 4.62% | 4.72% | +10bps | £999 fee |
| Remortgage | International Remortgage - Residential | 5-year fixed | 75% | 5.31% | 5.41% | +10bps | £0 fee |
| Remortgage | Remortgage - Residential | tracker | 85% | 4.65% | 4.75% | +10bps | £1,999 fee |
| Remortgage | Remortgage BTL | tracker | 60% | 5.24% | 5.34% | +10bps | £0 fee |
| Remortgage | Remortgage BTL | tracker | 65% | 5.24% | 5.34% | +10bps | £0 fee |
| Remortgage | Remortgage BTL | tracker | 75% | 4.59% | 4.69% | +10bps | £999 fee |
| Remortgage | Remortgage BTL | tracker | 75% | 5.34% | 5.44% | +10bps | £0 fee |
| Remortgage | Remortgage BTL - Energy Efficient | tracker | 65% | 4.59% | 4.49% | -10bps | £999 fee |
| Remortgage | Remortgage International BTL | tracker | 65% | 4.79% | 4.89% | +10bps | £999 fee |
| Remortgage | Remortgage International BTL | tracker | 65% | 5.64% | 5.74% | +10bps | £0 fee |
| New purchase | Home Mover - Energy Efficient | 5-year fixed | 75% | 4.84% | 4.93% | +9bps | £999 fee |
| New purchase | Home Mover - Residential | 5-year fixed | 75% | 5.09% | 5.18% | +9bps | £1,999 fee |
| New purchase | Home Mover - Residential | 5-year fixed | 75% | 4.84% | 4.93% | +9bps | £999 fee |
| New purchase | Home Mover - Residential | 5-year fixed | 75% | 4.81% | 4.90% | +9bps | £999 fee |
| New purchase | International Purchase - Residential | 5-year fixed | 75% | 5.11% | 5.19% | +8bps | £999 fee |
| New purchase | Purchase International BTL | 2-year fixed | 60% | 5.19% | 5.27% | +8bps | £999 fee |
| Remortgage | International Remortgage - Residential | 5-year fixed | 75% | 5.11% | 5.19% | +8bps | £999 fee |
| Remortgage | Remortgage - Residential | tracker | 75% | 4.65% | 4.57% | -8bps | £1,999 fee |
| Remortgage | Remortgage - Residential | tracker | 75% | 4.40% | 4.32% | -8bps | £999 fee |
| Remortgage | Remortgage - Residential | 5-year fixed | 75% | 4.89% | 4.97% | +8bps | £999 fee |
| Remortgage | Remortgage BTL | 2-year fixed | 60% | 4.79% | 4.87% | +8bps | £999 fee |
| Remortgage | Remortgage BTL | 5-year fixed | 60% | 4.54% | 4.62% | +8bps | £999 fee |
| Remortgage | Remortgage International BTL | 2-year fixed | 60% | 5.19% | 5.27% | +8bps | £999 fee |
| Remortgage | RemortgageRange (Not available to - Energy Efficient | tracker | 75% | 4.40% | 4.32% | -8bps | £999 fee |
| Remortgage | Remortgage - Residential | 10-year fixed | 60% | 4.93% | 5.00% | +7bps | £0 fee |
| Remortgage | RemortgageRange (Not available to - Energy Efficient | 10-year fixed | 60% | 4.93% | 5.00% | +7bps | £0 fee |
| First-time buyer | First Time Buyer - Residential | 2-year fixed | 60% | 4.77% | 4.83% | +6bps | £999 fee |
| New purchase | Home Mover - Energy Efficient | 2-year fixed | 75% | 5.09% | 5.15% | +6bps | £0 fee |
| New purchase | Home Mover - Residential | 2-year fixed | 75% | 5.09% | 5.15% | +6bps | £0 fee |
| New purchase | International Purchase - Residential | 10-year fixed | 60% | 5.34% | 5.40% | +6bps | £0 fee |
| New purchase | International Purchase - Residential | 2-year fixed | 60% | 5.17% | 5.23% | +6bps | £999 fee |
| New purchase | Purchase International BTL | 5-year fixed | 60% | 5.24% | 5.30% | +6bps | £999 fee |
| Remortgage | International Remortgage - Residential | 10-year fixed | 60% | 5.34% | 5.40% | +6bps | £0 fee |
| Remortgage | International Remortgage - Residential | 2-year fixed | 60% | 5.17% | 5.23% | +6bps | £999 fee |
| Remortgage | Remortgage - Residential | 2-year fixed | 60% | 5.04% | 5.10% | +6bps | £1,999 fee |
| Remortgage | Remortgage - Residential | 5-year fixed | 60% | 5.04% | 5.10% | +6bps | £1,999 fee |
| Remortgage | Remortgage - Residential | 2-year fixed | 60% | 4.79% | 4.85% | +6bps | £999 fee |
| Remortgage | Remortgage - Residential | 5-year fixed | 60% | 4.79% | 4.85% | +6bps | £999 fee |
| Remortgage | Remortgage - Residential | 2-year fixed | 60% | 4.76% | 4.82% | +6bps | £999 fee |
| Remortgage | Remortgage - Residential | 5-year fixed | 60% | 4.76% | 4.82% | +6bps | £999 fee |
| Remortgage | Remortgage - Residential | 2-year fixed | 75% | 4.89% | 4.95% | +6bps | £999 fee |
| Remortgage | Remortgage International BTL | 5-year fixed | 60% | 5.24% | 5.30% | +6bps | £999 fee |
| Remortgage | RemortgageRange (Not available to - Energy Efficient | 2-year fixed | 60% | 4.79% | 4.85% | +6bps | £999 fee |
| Remortgage | RemortgageRange (Not available to - Energy Efficient | 5-year fixed | 60% | 4.79% | 4.85% | +6bps | £999 fee |
| New purchase | Home Mover - Energy Efficient | 5-year fixed | 75% | 4.99% | 5.04% | +5bps | £0 fee |
| New purchase | Home Mover - Residential | 5-year fixed | 75% | 4.99% | 5.04% | +5bps | £0 fee |
| Remortgage | Remortgage - Residential | 2-year fixed | 85% | 5.44% | 5.49% | +5bps | £0 fee |
| Remortgage | Remortgage - Residential | 5-year fixed | 85% | 5.44% | 5.49% | +5bps | £0 fee |
| Remortgage | RemortgageRange (Not available to - Energy Efficient | 2-year fixed | 85% | 5.44% | 5.49% | +5bps | £0 fee |
| Remortgage | RemortgageRange (Not available to - Energy Efficient | 5-year fixed | 85% | 5.44% | 5.49% | +5bps | £0 fee |
| First-time buyer | First Time Buyer - Energy Efficient | 2-year fixed | 60% | 4.82% | 4.86% | +4bps | £999 fee |
| First-time buyer | First Time Buyer - Residential | 2-year fixed | 60% | 5.07% | 5.11% | +4bps | £1,999 fee |
| First-time buyer | First Time Buyer - Residential | 2-year fixed | 60% | 4.82% | 4.86% | +4bps | £999 fee |
| New purchase | International Purchase - Residential | 2-year fixed | 60% | 5.22% | 5.26% | +4bps | £999 fee |
| New purchase | International Purchase - Residential | 5-year fixed | 60% | 5.18% | 5.22% | +4bps | £999 fee |
| New purchase | Purchase BTL | tracker | 60% | 4.39% | 4.43% | +4bps | £999 fee |
| Remortgage | International Remortgage - Residential | 2-year fixed | 60% | 5.22% | 5.26% | +4bps | £999 fee |
| Remortgage | International Remortgage - Residential | 5-year fixed | 60% | 5.18% | 5.22% | +4bps | £999 fee |
| Remortgage | Remortgage - Residential | 10-year fixed | 75% | 5.14% | 5.18% | +4bps | £0 fee |
| Remortgage | Remortgage BTL | tracker | 60% | 4.39% | 4.43% | +4bps | £999 fee |
| Remortgage | RemortgageRange (Not available to - Energy Efficient | 10-year fixed | 75% | 5.14% | 5.18% | +4bps | £0 fee |
| New purchase | Home Mover - Energy Efficient | 2-year fixed | 85% | 5.37% | 5.34% | -3bps | £0 fee |
| New purchase | Home Mover - Residential | 2-year fixed | 85% | 5.37% | 5.34% | -3bps | £0 fee |
| New purchase | International Purchase - Residential | 5-year fixed | 60% | 5.11% | 5.08% | -3bps | £999 fee |
| New purchase | International Purchase - Residential | 5-year fixed | 60% | 5.31% | 5.34% | +3bps | £0 fee |
| Remortgage | International Remortgage - Residential | 5-year fixed | 60% | 5.11% | 5.08% | -3bps | £999 fee |
| Remortgage | International Remortgage - Residential | 5-year fixed | 60% | 5.31% | 5.34% | +3bps | £0 fee |
| First-time buyer | First Time Buyer - Energy Efficient | tracker | 60% | 4.17% | 4.15% | -2bps | £999 fee |
| First-time buyer | First Time Buyer - Energy Efficient | 2-year fixed | 60% | 5.04% | 5.06% | +2bps | £0 fee |
| First-time buyer | First Time Buyer - Energy Efficient | 5-year fixed | 60% | 4.94% | 4.96% | +2bps | £0 fee |
| First-time buyer | First Time Buyer - Residential | tracker | 60% | 4.42% | 4.40% | -2bps | £1,999 fee |
| First-time buyer | First Time Buyer - Residential | tracker | 60% | 4.17% | 4.15% | -2bps | £999 fee |
| First-time buyer | First Time Buyer - Residential | 2-year fixed | 60% | 5.04% | 5.06% | +2bps | £0 fee |
| First-time buyer | First Time Buyer - Residential | 5-year fixed | 60% | 4.94% | 4.96% | +2bps | £0 fee |
| First-time buyer | First Time Buyer - Residential | 5-year fixed | 60% | 4.78% | 4.80% | +2bps | £999 fee |
| New purchase | Home Mover - Energy Efficient | 5-year fixed | 60% | 4.73% | 4.75% | +2bps | £999 fee |
| New purchase | Home Mover - Energy Efficient | tracker | 60% | 4.17% | 4.15% | -2bps | £999 fee |
| New purchase | Home Mover - Energy Efficient | 2-year fixed | 60% | 4.99% | 4.97% | -2bps | £0 fee |
| New purchase | Home Mover - Residential | 5-year fixed | 60% | 4.98% | 5.00% | +2bps | £1,999 fee |
| New purchase | Home Mover - Residential | tracker | 60% | 4.42% | 4.40% | -2bps | £1,999 fee |
| New purchase | Home Mover - Residential | 5-year fixed | 60% | 4.73% | 4.75% | +2bps | £999 fee |
| New purchase | Home Mover - Residential | tracker | 60% | 4.17% | 4.15% | -2bps | £999 fee |
| New purchase | Home Mover - Residential | 2-year fixed | 60% | 4.99% | 4.97% | -2bps | £0 fee |
| New purchase | Home Mover - Residential | 5-year fixed | 60% | 4.70% | 4.72% | +2bps | £999 fee |
| New purchase | International Purchase - Residential | 10-year fixed | 60% | 5.23% | 5.25% | +2bps | £999 fee |
| New purchase | Purchase BTL | 2-year fixed | 60% | 5.09% | 5.11% | +2bps | £0 fee |
| New purchase | Purchase BTL | 5-year fixed | 60% | 5.04% | 5.06% | +2bps | £0 fee |
| Remortgage | International Remortgage - Residential | 10-year fixed | 60% | 5.23% | 5.25% | +2bps | £999 fee |
| New purchase | International Purchase - Residential | 2-year fixed | 60% | 5.52% | 5.53% | +1bps | £0 fee |
| New purchase | Purchase BTL | 2-year fixed | 60% | 4.77% | 4.76% | -1bps | £999 fee |
| New purchase | Purchase BTL | 5-year fixed | 60% | 4.52% | 4.51% | -1bps | £999 fee |
| New purchase | Purchase International BTL | 5-year fixed | 60% | 5.49% | 5.48% | -1bps | £0 fee |
| Remortgage | International Remortgage - Residential | 2-year fixed | 60% | 5.52% | 5.53% | +1bps | £0 fee |
| Remortgage | Remortgage - Residential | 2-year fixed | 60% | 5.12% | 5.13% | +1bps | £0 fee |
| Remortgage | Remortgage - Residential | 5-year fixed | 60% | 5.12% | 5.13% | +1bps | £0 fee |
| Remortgage | Remortgage - Residential | 2-year fixed | 75% | 5.24% | 5.23% | -1bps | £1,999 fee |
| Remortgage | Remortgage - Residential | 5-year fixed | 75% | 5.24% | 5.25% | +1bps | £1,999 fee |
| Remortgage | Remortgage - Residential | 2-year fixed | 75% | 4.99% | 4.98% | -1bps | £999 fee |
| Remortgage | Remortgage - Residential | 5-year fixed | 75% | 4.99% | 5.00% | +1bps | £999 fee |
| Remortgage | Remortgage - Residential | 2-year fixed | 75% | 5.27% | 5.28% | +1bps | £0 fee |
| Remortgage | Remortgage - Residential | 5-year fixed | 75% | 5.27% | 5.28% | +1bps | £0 fee |
| Remortgage | Remortgage - Residential | 2-year fixed | 85% | 5.22% | 5.21% | -1bps | £999 fee |
| Remortgage | Remortgage - Residential | 2-year fixed | 85% | 5.12% | 5.11% | -1bps | £999 fee |
| Remortgage | Remortgage International BTL | 5-year fixed | 60% | 5.49% | 5.48% | -1bps | £0 fee |
| Remortgage | RemortgageRange (Not available to - Energy Efficient | 2-year fixed | 60% | 5.12% | 5.13% | +1bps | £0 fee |
| Remortgage | RemortgageRange (Not available to - Energy Efficient | 5-year fixed | 60% | 5.12% | 5.13% | +1bps | £0 fee |
| Remortgage | RemortgageRange (Not available to - Energy Efficient | 2-year fixed | 75% | 4.99% | 4.98% | -1bps | £999 fee |
| Remortgage | RemortgageRange (Not available to - Energy Efficient | 5-year fixed | 75% | 4.99% | 5.00% | +1bps | £999 fee |
| Remortgage | RemortgageRange (Not available to - Energy Efficient | 2-year fixed | 75% | 5.27% | 5.28% | +1bps | £0 fee |
| Remortgage | RemortgageRange (Not available to - Energy Efficient | 5-year fixed | 75% | 5.27% | 5.28% | +1bps | £0 fee |
| Remortgage | RemortgageRange (Not available to - Energy Efficient | 2-year fixed | 85% | 5.22% | 5.21% | -1bps | £999 fee |
Comparable products captured by RateWatch
Remortgage BTL Range (A and B Rated Properties Only) - Energy Efficient, 80% LTV 2-year fixed
| Lender | Product | LTV | Term | Rate | Fee | Observed |
|---|---|---|---|---|---|---|
| NatWest | Remortgage | 80% | 2-year fixed | 4.99% | £995 fee | 2026-09-12 |
| Halifax | Remortgage | 80% | 2-year fixed | 5.06% | £999 fee | 2026-09-15 |
| Lloyds | Remortgage | 80% | 2-year fixed | 5.06% | £999 fee | 2026-09-15 |
| Nationwide | Remortgage | 80% | 2-year fixed | 5.08% | £999 fee | 2026-09-15 |
| HSBC | Remortgage - Residential | 80% | 2-year fixed | 5.21% | £999 fee | 2026-09-15 |
| HSBC | RemortgageRange (Not available to - Energy Efficient | 80% | 2-year fixed | 5.21% | £999 fee | 2026-09-15 |
| Accord | Remortgage | 80% | 2-year fixed | 5.21% | £495 fee | 2026-09-09 |
These rows keep borrower purpose, LTV and changed term aligned. Fees remain visible because a lower rate does not by itself establish a lower total cost.
Purchase BTL Range (A and B Rated Properties - Energy Efficient, 80% LTV 2-year fixed
| Lender | Product | LTV | Term | Rate | Fee | Observed |
|---|---|---|---|---|---|---|
| Halifax | New Purchase | 80% | 2-year fixed | 4.92% | £999 fee | 2026-09-15 |
| Lloyds | New Purchase | 80% | 2-year fixed | 4.92% | £999 fee | 2026-09-15 |
| NatWest | New Purchase | 80% | 2-year fixed | 5.00% | £995 fee | 2026-09-12 |
| Nationwide | Home Mover | 80% | 2-year fixed | 5.08% | £999 fee | 2026-09-15 |
| HSBC | Home Mover - Residential | 80% | 2-year fixed | 5.09% | £999 fee | 2026-09-15 |
| HSBC | Home Mover - Energy Efficient | 80% | 2-year fixed | 5.09% | £999 fee | 2026-09-15 |
| Accord | New Purchase | 80% | 2-year fixed | 5.11% | £495 fee | 2026-09-09 |
These rows keep borrower purpose, LTV and changed term aligned. Fees remain visible because a lower rate does not by itself establish a lower total cost.
Purchase BTL Range (A, B and C Rated Properties, 80% LTV 5-year fixed
| Lender | Product | LTV | Term | Rate | Fee | Observed |
|---|---|---|---|---|---|---|
| Halifax | New Purchase | 80% | 5-year fixed | 4.93% | £999 fee | 2026-09-15 |
| Lloyds | New Purchase | 80% | 5-year fixed | 4.93% | £999 fee | 2026-09-15 |
| NatWest | New Purchase | 80% | 5-year fixed | 4.99% | £995 fee | 2026-09-12 |
| Accord | New Purchase | 80% | 5-year fixed | 5.04% | £495 fee | 2026-09-09 |
| Nationwide | Home Mover | 80% | 5-year fixed | 5.08% | £999 fee | 2026-09-15 |
| HSBC | Home Mover - Residential | 80% | 5-year fixed | 5.09% | £999 fee | 2026-09-15 |
| HSBC | Home Mover - Energy Efficient | 80% | 5-year fixed | 5.09% | £999 fee | 2026-09-15 |
These rows keep borrower purpose, LTV and changed term aligned. Fees remain visible because a lower rate does not by itself establish a lower total cost.
How to read this dated update
This article records rates observed on 2026-09-15. It should be read as historical evidence of a HSBC pricing change, while the linked lender and comparison pages show the latest captured data. Product availability and lending criteria may have changed after the observation date.
Evidence and calculation method
RateWatch produced this article from 171 lender product rows carrying 433 supported term-level changes. This calculation method requires both a previous and a current numeric rate. The basis-point calculation is performed in application code by subtracting the old percentage rate from the new percentage rate and multiplying the difference by 100; generated prose is not allowed to invent that figure.
The comparison data is filtered by borrower category, LTV, term and fee tier before it is shown. Rows that do not satisfy those conditions are omitted rather than used to support a broader claim. RateWatch does not infer why HSBC changed its pricing and does not make comparative superlative or ranking claims. The source date remains attached to this historical report so later lender changes are not silently written back into it.
Readers should verify current availability, lending criteria and the total cost of a product before acting. The live lender and comparison pages are the appropriate place to check newer observations; this article preserves the change recorded on 2026-09-15.
Frequently Asked Questions
How much did HSBC change its mortgage rates?
The largest movement in this update was 117 basis points. The affected 2-year fixed remortgage rate at 80% LTV increased from 4.67% to 5.84%.
Which HSBC mortgage changed the most?
Remortgage BTL Range (A and B Rated Properties Only) - Energy Efficient at 80% LTV recorded the largest movement, affecting its 2-year fixed rate. Other products in the update may have moved by different amounts.
Did every HSBC 2-year fixed rate at 80% LTV change by 117bps?
No. RateWatch detected 433 term-level movements across 171 tracked product rows. The table in this article lists each supported old-to-new movement separately.
When was the HSBC Remortgage BTL Range (A and B Rated Properties Only) - Energy Efficient change observed?
The rates in this article were observed for the lender update dated 2026-09-15. They are a historical snapshot and may no longer be the rates currently available.
Where can I check the latest HSBC Remortgage BTL Range (A and B Rated Properties Only) - Energy Efficient rates?
Use the linked RateWatch lender page or mortgage comparison to check the most recently captured rates, keeping the borrower category, term, LTV and fee aligned.