Mortgage Rates
HSBC updates mortgage rates across first-time buyer, new purchase and remortgage
HSBC has changed 161 tracked mortgage rate rows, led by First Time Buyer - Residential 80% LTV 2-year fixed moving from 3.91% to 4.94%.
Live HSBC mortgage rate update
HSBC has changed 161 tracked mortgage rate rows across first-time buyer, new purchase and remortgage. The latest lender rate-card date for this update is 2026-04-30.
This live RateWatch update clusters the lender's movements into one article so the blog does not publish a separate post for every product, LTV or fee tier.
Key movements
287 cuts and 99 increases were detected in this lender update.
- First-time buyer, First Time Buyer - Residential, 80% LTV: 2-year fixed: 3.91% to 4.94% (+103bps)
- Remortgage, Remortgage - Residential, 80% LTV: 2-year fixed: 4.03% to 5.04% (+101bps)
- Remortgage, Remortgage BTL, 60% LTV: 5-year fixed: 4.54% to 5.54% (+100bps)
- Remortgage, Remortgage - Residential, 80% LTV: 5-year fixed: 4.09% to 5.03% (+94bps)
- New purchase, Home Mover - Energy Efficient, 95% LTV: 2-year fixed: 3.79% to 4.72% (+93bps)
- New purchase, Home Mover - Residential, 80% LTV: 2-year fixed: 3.91% to 4.84% (+93bps)
- New purchase, Home Mover - Residential, 95% LTV: 2-year fixed: 3.79% to 4.72% (+93bps)
- New purchase, Home Mover - Residential, 95% LTV: 2-year fixed: 3.76% to 4.69% (+93bps)
- First-time buyer, First Time Buyer - Residential, 80% LTV: 5-year fixed: 4.10% to 4.96% (+86bps)
- First-time buyer, First Time Buyer - Energy Efficient, 95% LTV: 2-year fixed: 5.87% to 5.02% (-85bps)
Changes by borrower type
Remortgage
| Product | LTV | Fee tier | Arrangement fee | Movement |
|---|---|---|---|---|
| International Remortgage - Residential | 60% | low_fee | £999 fee | 2-year fixed: 5.30% to 5.19% (-11bps) 5-year fixed: 5.29% to 5.18% (-11bps) 10-year fixed: 5.47% to 5.55% (+8bps) tracker: 4.79% to 4.89% (+10bps) |
| International Remortgage - Residential | 60% | no_fee | £0 fee | 2-year fixed: 5.65% to 5.52% (-13bps) 5-year fixed: 5.39% to 5.31% (-8bps) 10-year fixed: 5.57% to 5.67% (+10bps) |
| International Remortgage - Residential | 60% | premier | £999 fee | 2-year fixed: 5.27% to 5.16% (-11bps) |
| International Remortgage - Residential | 70% | low_fee | £999 fee | 2-year fixed: 5.39% to 5.13% (-26bps) 5-year fixed: 5.39% to 5.09% (-30bps) 10-year fixed: 5.55% to 5.47% (-8bps) tracker: 4.89% to 4.79% (-10bps) |
| International Remortgage - Residential | 70% | no_fee | £0 fee | 2-year fixed: 5.69% to 5.45% (-24bps) 5-year fixed: 5.47% to 5.24% (-23bps) 10-year fixed: 5.67% to 5.57% (-10bps) |
| International Remortgage - Residential | 70% | premier | £999 fee | 2-year fixed: 5.34% to 5.10% (-24bps) |
| International Remortgage - Residential | 75% | low_fee | £999 fee | 2-year fixed: 5.39% to 5.19% (-20bps) 5-year fixed: 5.39% to 5.18% (-21bps) |
| International Remortgage - Residential | 75% | no_fee | £0 fee | 2-year fixed: 5.69% to 5.52% (-17bps) 5-year fixed: 5.47% to 5.31% (-16bps) |
| International Remortgage - Residential | 75% | premier | £999 fee | 2-year fixed: 5.34% to 5.16% (-18bps) |
| Remortgage - Residential | 60% | high_fee | £1,999 fee | 2-year fixed: 5.15% to 5.04% (-11bps) 5-year fixed: 5.08% to 5.03% (-5bps) tracker: 4.64% to 4.74% (+10bps) |
| Remortgage - Residential | 60% | low_fee | £999 fee | 2-year fixed: 4.90% to 4.79% (-11bps) 5-year fixed: 4.83% to 4.78% (-5bps) tracker: 4.39% to 4.49% (+10bps) |
| Remortgage - Residential | 60% | no_fee | £0 fee | 2-year fixed: 5.17% to 5.12% (-5bps) 5-year fixed: 5.17% to 5.12% (-5bps) |
| Remortgage - Residential | 60% | premier | £999 fee | 2-year fixed: 4.87% to 4.76% (-11bps) 5-year fixed: 4.80% to 4.75% (-5bps) |
| Remortgage - Residential | 70% | high_fee | £1,999 fee | 2-year fixed: 5.21% to 4.98% (-23bps) 5-year fixed: 5.15% to 4.94% (-21bps) tracker: 4.74% to 4.64% (-10bps) |
| Remortgage - Residential | 70% | low_fee | £999 fee | 2-year fixed: 4.96% to 4.73% (-23bps) 5-year fixed: 4.90% to 4.69% (-21bps) tracker: 4.49% to 4.39% (-10bps) |
| Remortgage - Residential | 70% | no_fee | £0 fee | 2-year fixed: 5.22% to 5.05% (-17bps) 5-year fixed: 5.22% to 5.05% (-17bps) |
| Remortgage - Residential | 70% | premier | £999 fee | 2-year fixed: 4.93% to 4.70% (-23bps) 5-year fixed: 4.87% to 4.66% (-21bps) |
| Remortgage - Residential | 75% | low_fee | £999 fee | 2-year fixed: 4.96% to 5.18% (+22bps) 5-year fixed: 4.90% to 5.04% (+14bps) tracker: 4.49% to 4.69% (+20bps) |
| Remortgage - Residential | 75% | no_fee | £0 fee | 2-year fixed: 5.22% to 5.51% (+29bps) 5-year fixed: 5.22% to 5.51% (+29bps) |
| Remortgage - Residential | 75% | premier | £999 fee | 2-year fixed: 4.93% to 5.08% (+15bps) 5-year fixed: 4.87% to 4.94% (+7bps) |
| Remortgage - Residential | 80% | high_fee | £1,999 fee | 2-year fixed: 4.03% to 5.04% (+101bps) 5-year fixed: 4.09% to 5.03% (+94bps) tracker: 4.29% to 4.74% (+45bps) |
| Remortgage - Residential | 80% | low_fee | £999 fee | 2-year fixed: 5.28% to 4.79% (-49bps) 5-year fixed: 5.28% to 4.78% (-50bps) tracker: 4.69% to 4.49% (-20bps) |
| Remortgage - Residential | 80% | no_fee | £0 fee | 2-year fixed: 5.61% to 5.12% (-49bps) 5-year fixed: 5.61% to 5.12% (-49bps) |
| Remortgage - Residential | 80% | premier | £999 fee | 2-year fixed: 5.18% to 4.76% (-42bps) 5-year fixed: 5.04% to 4.75% (-29bps) |
| Remortgage - Residential | 85% | low_fee | £999 fee | 2-year fixed: 5.28% to 5.49% (+21bps) 5-year fixed: 5.14% to 5.16% (+2bps) tracker: 4.74% to 4.99% (+25bps) |
| Remortgage - Residential | 85% | no_fee | £0 fee | 2-year fixed: 5.61% to 5.76% (+15bps) 5-year fixed: 5.61% to 5.76% (+15bps) |
| Remortgage - Residential | 85% | premier | £999 fee | 2-year fixed: 5.18% to 5.39% (+21bps) 5-year fixed: 5.04% to 5.06% (+2bps) |
| Remortgage - Residential | 90% | low_fee | £999 fee | 2-year fixed: 5.59% to 5.18% (-41bps) 5-year fixed: 5.59% to 5.04% (-55bps) tracker: 4.99% to 4.74% (-25bps) |
| Remortgage - Residential | 90% | no_fee | £0 fee | 2-year fixed: 5.89% to 5.51% (-38bps) 5-year fixed: 5.89% to 5.51% (-38bps) |
| Remortgage - Residential | 90% | premier | £999 fee | 2-year fixed: 5.49% to 5.08% (-41bps) 5-year fixed: 5.16% to 4.94% (-22bps) |
| Remortgage BTL | 60% | low_fee | £999 fee | 2-year fixed: 4.79% to 5.54% (+75bps) 5-year fixed: 4.54% to 5.54% (+100bps) |
| Remortgage BTL | 60% | no_fee | £0 fee | 2-year fixed: 5.18% to 5.97% (+79bps) 5-year fixed: 5.13% to 5.92% (+79bps) |
| Remortgage BTL | 65% | low_fee | £999 fee | 2-year fixed: 4.83% to 4.71% (-12bps) 5-year fixed: 4.58% to 4.46% (-12bps) tracker: 4.69% to 4.89% (+20bps) |
| Remortgage BTL | 65% | no_fee | £0 fee | 2-year fixed: 5.23% to 5.13% (-10bps) 5-year fixed: 5.18% to 5.08% (-10bps) tracker: 5.24% to 5.34% (+10bps) |
| Remortgage BTL | 75% | low_fee | £999 fee | 2-year fixed: 4.83% to 4.71% (-12bps) 5-year fixed: 4.58% to 4.46% (-12bps) tracker: 4.89% to 4.69% (-20bps) |
| Remortgage BTL | 75% | no_fee | £0 fee | 2-year fixed: 5.23% to 5.13% (-10bps) 5-year fixed: 5.18% to 5.08% (-10bps) tracker: 5.34% to 5.24% (-10bps) |
| Remortgage BTL - Energy Efficient | 60% | low_fee | £999 fee | 2-year fixed: 4.79% to 5.54% (+75bps) 5-year fixed: 4.74% to 5.54% (+80bps) |
| Remortgage BTL - Energy Efficient | 60% | no_fee | £0 fee | 2-year fixed: 5.18% to 5.97% (+79bps) 5-year fixed: 5.00% to 5.79% (+79bps) |
| Remortgage BTL - Energy Efficient | 65% | low_fee | £999 fee | 2-year fixed: 4.83% to 4.71% (-12bps) 5-year fixed: 4.87% to 4.77% (-10bps) tracker: 4.69% to 4.89% (+20bps) |
| Remortgage BTL - Energy Efficient | 65% | no_fee | £0 fee | 2-year fixed: 5.23% to 5.13% (-10bps) 5-year fixed: 5.06% to 4.99% (-7bps) tracker: 5.24% to 5.34% (+10bps) |
| Remortgage BTL - Energy Efficient | 75% | low_fee | £999 fee | 2-year fixed: 4.83% to 4.71% (-12bps) 5-year fixed: 4.87% to 4.77% (-10bps) tracker: 4.89% to 4.69% (-20bps) |
| Remortgage BTL - Energy Efficient | 75% | no_fee | £0 fee | 2-year fixed: 5.23% to 5.13% (-10bps) 5-year fixed: 5.06% to 4.99% (-7bps) tracker: 5.34% to 5.24% (-10bps) |
| Remortgage BTL Range (A and B Rated Properties Only) - Energy Efficient | 80% | low_fee | £999 fee | 2-year fixed: 4.99% to 4.69% (-30bps) 5-year fixed: 5.04% to 4.69% (-35bps) |
| Remortgage BTL Range (A and B Rated Properties Only) - Energy Efficient | 80% | no_fee | £0 fee | 2-year fixed: 5.44% to 5.06% (-38bps) 5-year fixed: 5.39% to 4.85% (-54bps) |
| Remortgage BTL Range (A, B and C Rated Properties Only) | 80% | low_fee | £999 fee | 2-year fixed: 4.99% to 4.69% (-30bps) 5-year fixed: 5.04% to 4.44% (-60bps) |
| Remortgage BTL Range (A, B and C Rated Properties Only) | 80% | no_fee | £0 fee | 2-year fixed: 5.44% to 5.06% (-38bps) 5-year fixed: 5.39% to 5.01% (-38bps) |
| Remortgage International BTL | 60% | low_fee | £999 fee | 2-year fixed: 5.19% to 5.14% (-5bps) tracker: 5.03% to 5.29% (+26bps) |
| Remortgage International BTL | 60% | no_fee | £0 fee | 2-year fixed: 5.59% to 5.53% (-6bps) 5-year fixed: 5.49% to 5.46% (-3bps) tracker: 5.64% to 5.74% (+10bps) |
| Remortgage International BTL | 65% | low_fee | £999 fee | 2-year fixed: 5.23% to 5.14% (-9bps) 5-year fixed: 5.34% to 5.29% (-5bps) |
| Remortgage International BTL | 65% | no_fee | £0 fee | 2-year fixed: 5.64% to 5.53% (-11bps) 5-year fixed: 5.51% to 5.46% (-5bps) |
| Remortgage International BTL | 75% | low_fee | £999 fee | 2-year fixed: 5.23% to 5.09% (-14bps) 5-year fixed: 5.34% to 5.24% (-10bps) tracker: 5.29% to 5.03% (-26bps) |
| Remortgage International BTL | 75% | no_fee | £0 fee | 2-year fixed: 5.64% to 5.46% (-18bps) 5-year fixed: 5.51% to 5.44% (-7bps) tracker: 5.74% to 5.64% (-10bps) |
| RemortgageRange (Not available to - Energy Efficient | 60% | low_fee | £999 fee | 2-year fixed: 4.90% to 4.79% (-11bps) 5-year fixed: 4.83% to 4.78% (-5bps) tracker: 4.39% to 4.49% (+10bps) |
| RemortgageRange (Not available to - Energy Efficient | 60% | no_fee | £0 fee | 2-year fixed: 5.17% to 5.12% (-5bps) 5-year fixed: 5.17% to 5.12% (-5bps) |
| RemortgageRange (Not available to - Energy Efficient | 70% | low_fee | £999 fee | 2-year fixed: 4.96% to 4.73% (-23bps) 5-year fixed: 4.90% to 4.69% (-21bps) tracker: 4.49% to 4.39% (-10bps) |
| RemortgageRange (Not available to - Energy Efficient | 70% | no_fee | £0 fee | 2-year fixed: 5.22% to 5.05% (-17bps) 5-year fixed: 5.22% to 5.05% (-17bps) |
| RemortgageRange (Not available to - Energy Efficient | 75% | low_fee | £999 fee | 2-year fixed: 4.96% to 5.18% (+22bps) 5-year fixed: 4.90% to 5.04% (+14bps) tracker: 4.49% to 4.69% (+20bps) |
| RemortgageRange (Not available to - Energy Efficient | 75% | no_fee | £0 fee | 2-year fixed: 5.22% to 5.51% (+29bps) 5-year fixed: 5.22% to 5.51% (+29bps) |
| RemortgageRange (Not available to - Energy Efficient | 80% | low_fee | £999 fee | 2-year fixed: 5.28% to 4.79% (-49bps) 5-year fixed: 5.14% to 4.78% (-36bps) tracker: 4.69% to 4.49% (-20bps) |
| RemortgageRange (Not available to - Energy Efficient | 80% | no_fee | £0 fee | 2-year fixed: 5.61% to 5.12% (-49bps) 5-year fixed: 5.61% to 5.12% (-49bps) |
| RemortgageRange (Not available to - Energy Efficient | 85% | low_fee | £999 fee | 2-year fixed: 5.28% to 5.49% (+21bps) 5-year fixed: 5.14% to 5.16% (+2bps) tracker: 4.74% to 4.99% (+25bps) |
| RemortgageRange (Not available to - Energy Efficient | 85% | no_fee | £0 fee | 2-year fixed: 5.61% to 5.76% (+15bps) 5-year fixed: 5.61% to 5.76% (+15bps) |
| RemortgageRange (Not available to - Energy Efficient | 90% | low_fee | £999 fee | 2-year fixed: 5.59% to 5.18% (-41bps) 5-year fixed: 5.26% to 5.04% (-22bps) tracker: 4.99% to 4.74% (-25bps) |
| RemortgageRange (Not available to - Energy Efficient | 90% | no_fee | £0 fee | 2-year fixed: 5.89% to 5.51% (-38bps) 5-year fixed: 5.89% to 5.51% (-38bps) |
New purchase
| Product | LTV | Fee tier | Arrangement fee | Movement |
|---|---|---|---|---|
| Home Mover - Energy Efficient | 60% | low_fee | £999 fee | 2-year fixed: 4.65% to 4.59% (-6bps) 5-year fixed: 4.79% to 4.66% (-13bps) tracker: 4.39% to 4.49% (+10bps) |
| Home Mover - Energy Efficient | 60% | no_fee | £0 fee | 2-year fixed: 4.90% to 4.78% (-12bps) 5-year fixed: 4.91% to 4.76% (-15bps) |
| Home Mover - Energy Efficient | 70% | low_fee | £999 fee | 2-year fixed: 4.76% to 4.45% (-31bps) 5-year fixed: 4.84% to 4.61% (-23bps) tracker: 4.49% to 4.39% (-10bps) |
| Home Mover - Energy Efficient | 70% | no_fee | £0 fee | 2-year fixed: 5.01% to 4.65% (-36bps) 5-year fixed: 4.96% to 4.71% (-25bps) |
| Home Mover - Energy Efficient | 75% | low_fee | £999 fee | 2-year fixed: 4.76% to 4.72% (-4bps) 5-year fixed: 4.84% to 4.73% (-11bps) tracker: 4.49% to 4.59% (+10bps) |
| Home Mover - Energy Efficient | 75% | no_fee | £0 fee | 2-year fixed: 5.01% to 4.95% (-6bps) 5-year fixed: 4.96% to 4.85% (-11bps) |
| Home Mover - Energy Efficient | 80% | low_fee | £999 fee | 2-year fixed: 4.87% to 4.59% (-28bps) 5-year fixed: 4.94% to 4.66% (-28bps) tracker: 4.59% to 4.49% (-10bps) |
| Home Mover - Energy Efficient | 80% | no_fee | £0 fee | 2-year fixed: 5.10% to 4.78% (-32bps) 5-year fixed: 5.05% to 4.76% (-29bps) |
| Home Mover - Energy Efficient | 85% | no_fee | £0 fee | 2-year fixed: 5.10% to 5.52% (+42bps) 5-year fixed: 5.05% to 5.35% (+30bps) |
| Home Mover - Energy Efficient | 90% | low_fee | £999 fee | 2-year fixed: 5.15% to 4.99% (-16bps) 5-year fixed: 5.06% to 4.89% (-17bps) |
| Home Mover - Energy Efficient | 90% | no_fee | £0 fee | 2-year fixed: 5.39% to 5.23% (-16bps) 5-year fixed: 5.19% to 4.99% (-20bps) |
| Home Mover - Energy Efficient | 95% | low_fee | £999 fee | 2-year fixed: 3.79% to 4.72% (+93bps) 5-year fixed: 4.00% to 4.73% (+73bps) tracker: 4.29% to 4.74% (+45bps) |
| Home Mover - Energy Efficient | 95% | no_fee | £0 fee | 2-year fixed: 5.65% to 4.95% (-70bps) 5-year fixed: 5.46% to 4.85% (-61bps) |
| Home Mover - Residential | 60% | high_fee | £1,999 fee | 2-year fixed: 4.90% to 4.84% (-6bps) 5-year fixed: 5.04% to 4.91% (-13bps) tracker: 4.64% to 4.74% (+10bps) |
| Home Mover - Residential | 60% | low_fee | £999 fee | 2-year fixed: 4.65% to 4.59% (-6bps) 5-year fixed: 4.79% to 4.66% (-13bps) tracker: 4.39% to 4.49% (+10bps) |
| Home Mover - Residential | 60% | no_fee | £0 fee | 2-year fixed: 4.90% to 4.78% (-12bps) 5-year fixed: 4.91% to 4.76% (-15bps) |
| Home Mover - Residential | 60% | premier | £999 fee | 2-year fixed: 4.62% to 4.56% (-6bps) 5-year fixed: 4.76% to 4.63% (-13bps) |
| Home Mover - Residential | 70% | high_fee | £1,999 fee | 2-year fixed: 5.01% to 4.70% (-31bps) 5-year fixed: 5.09% to 4.86% (-23bps) tracker: 4.74% to 4.64% (-10bps) |
| Home Mover - Residential | 70% | low_fee | £999 fee | 2-year fixed: 4.76% to 4.45% (-31bps) 5-year fixed: 4.84% to 4.61% (-23bps) tracker: 4.49% to 4.39% (-10bps) |
| Home Mover - Residential | 70% | no_fee | £0 fee | 2-year fixed: 5.01% to 4.65% (-36bps) 5-year fixed: 4.96% to 4.71% (-25bps) |
| Home Mover - Residential | 70% | premier | £999 fee | 2-year fixed: 4.73% to 4.42% (-31bps) 5-year fixed: 4.81% to 4.58% (-23bps) |
| Home Mover - Residential | 75% | low_fee | £999 fee | 2-year fixed: 4.76% to 4.72% (-4bps) 5-year fixed: 4.84% to 4.73% (-11bps) tracker: 4.49% to 4.59% (+10bps) |
| Home Mover - Residential | 75% | no_fee | £0 fee | 2-year fixed: 5.01% to 4.95% (-6bps) 5-year fixed: 4.96% to 4.85% (-11bps) |
| Home Mover - Residential | 75% | premier | £999 fee | 2-year fixed: 4.73% to 4.69% (-4bps) 5-year fixed: 4.81% to 4.70% (-11bps) |
| Home Mover - Residential | 80% | high_fee | £1,999 fee | 2-year fixed: 3.91% to 4.84% (+93bps) 5-year fixed: 4.10% to 4.91% (+81bps) tracker: 4.29% to 4.74% (+45bps) |
| Home Mover - Residential | 80% | low_fee | £999 fee | 2-year fixed: 4.87% to 4.59% (-28bps) 5-year fixed: 4.94% to 4.66% (-28bps) tracker: 4.59% to 4.49% (-10bps) |
| Home Mover - Residential | 80% | no_fee | £0 fee | 2-year fixed: 5.10% to 4.78% (-32bps) 5-year fixed: 5.05% to 4.76% (-29bps) |
| Home Mover - Residential | 80% | premier | £999 fee | 2-year fixed: 4.84% to 4.56% (-28bps) 5-year fixed: 4.91% to 4.63% (-28bps) |
| Home Mover - Residential | 85% | no_fee | £0 fee | 2-year fixed: 5.39% to 5.52% (+13bps) 5-year fixed: 5.19% to 5.35% (+16bps) |
| Home Mover - Residential | 90% | low_fee | £999 fee | 2-year fixed: 4.87% to 4.99% (+12bps) 5-year fixed: 4.94% to 4.89% (-5bps) tracker: 4.74% to 4.89% (+15bps) |
| Home Mover - Residential | 90% | no_fee | £0 fee | 2-year fixed: 5.10% to 5.23% (+13bps) 5-year fixed: 5.05% to 4.99% (-6bps) |
| Home Mover - Residential | 90% | premier | £999 fee | 2-year fixed: 4.84% to 4.96% (+12bps) 5-year fixed: 4.91% to 4.86% (-5bps) |
| Home Mover - Residential | 95% | low_fee | £999 fee | 2-year fixed: 3.79% to 4.72% (+93bps) 5-year fixed: 4.00% to 4.73% (+73bps) tracker: 4.29% to 4.74% (+45bps) |
| Home Mover - Residential | 95% | no_fee | £0 fee | 2-year fixed: 5.65% to 4.95% (-70bps) 5-year fixed: 5.46% to 4.85% (-61bps) |
| Home Mover - Residential | 95% | premier | £999 fee | 2-year fixed: 3.76% to 4.69% (+93bps) 5-year fixed: 3.97% to 4.70% (+73bps) |
| International Purchase - Residential | 60% | low_fee | £999 fee | 2-year fixed: 5.30% to 5.19% (-11bps) 5-year fixed: 5.29% to 5.18% (-11bps) 10-year fixed: 5.47% to 5.55% (+8bps) tracker: 4.79% to 4.89% (+10bps) |
| International Purchase - Residential | 60% | no_fee | £0 fee | 2-year fixed: 5.65% to 5.52% (-13bps) 5-year fixed: 5.39% to 5.31% (-8bps) 10-year fixed: 5.57% to 5.67% (+10bps) |
| International Purchase - Residential | 60% | premier | £999 fee | 2-year fixed: 5.27% to 5.16% (-11bps) |
| International Purchase - Residential | 70% | low_fee | £999 fee | 2-year fixed: 5.39% to 5.13% (-26bps) 5-year fixed: 5.39% to 5.09% (-30bps) 10-year fixed: 5.55% to 5.47% (-8bps) tracker: 4.89% to 4.79% (-10bps) |
| International Purchase - Residential | 70% | no_fee | £0 fee | 2-year fixed: 5.69% to 5.45% (-24bps) 5-year fixed: 5.47% to 5.24% (-23bps) 10-year fixed: 5.67% to 5.57% (-10bps) |
| International Purchase - Residential | 70% | premier | £999 fee | 2-year fixed: 5.34% to 5.10% (-24bps) |
| International Purchase - Residential | 75% | low_fee | £999 fee | 2-year fixed: 5.39% to 5.19% (-20bps) 5-year fixed: 5.39% to 5.18% (-21bps) |
| International Purchase - Residential | 75% | no_fee | £0 fee | 2-year fixed: 5.69% to 5.52% (-17bps) 5-year fixed: 5.47% to 5.31% (-16bps) |
| International Purchase - Residential | 75% | premier | £999 fee | 2-year fixed: 5.34% to 5.16% (-18bps) |
| Purchase BTL | 60% | low_fee | £999 fee | 2-year fixed: 4.75% to 4.74% (-1bps) 5-year fixed: 4.50% to 4.49% (-1bps) tracker: 4.42% to 4.57% (+15bps) |
| Purchase BTL | 60% | no_fee | £0 fee | 2-year fixed: 5.19% to 5.04% (-15bps) 5-year fixed: 5.14% to 4.99% (-15bps) |
| Purchase BTL | 65% | low_fee | £999 fee | 2-year fixed: 4.79% to 4.68% (-11bps) 5-year fixed: 4.54% to 4.43% (-11bps) tracker: 4.57% to 4.42% (-15bps) |
| Purchase BTL | 65% | no_fee | £0 fee | 2-year fixed: 5.24% to 4.99% (-25bps) 5-year fixed: 5.19% to 4.94% (-25bps) |
| Purchase BTL - Energy Efficient | 60% | low_fee | £999 fee | 2-year fixed: 4.75% to 4.74% (-1bps) tracker: 4.42% to 4.84% (+42bps) |
| Purchase BTL - Energy Efficient | 60% | no_fee | £0 fee | 2-year fixed: 5.19% to 5.04% (-15bps) 5-year fixed: 5.09% to 5.06% (-3bps) |
| Purchase BTL - Energy Efficient | 65% | low_fee | £999 fee | 2-year fixed: 4.79% to 4.68% (-11bps) 5-year fixed: 4.94% to 4.84% (-10bps) tracker: 4.84% to 4.42% (-42bps) |
| Purchase BTL - Energy Efficient | 65% | no_fee | £0 fee | 2-year fixed: 5.24% to 4.99% (-25bps) 5-year fixed: 5.11% to 5.04% (-7bps) |
| Purchase BTL Range (A and B Rated Properties - Energy Efficient | 80% | low_fee | £999 fee | 2-year fixed: 5.04% to 4.74% (-30bps) 5-year fixed: 4.92% to 4.89% (-3bps) |
| Purchase BTL Range (A and B Rated Properties - Energy Efficient | 80% | no_fee | £0 fee | 2-year fixed: 5.49% to 5.04% (-45bps) 5-year fixed: 5.29% to 5.06% (-23bps) |
| Purchase BTL Range (A, B and C Rated Properties | 80% | low_fee | £999 fee | 2-year fixed: 5.04% to 4.74% (-30bps) 5-year fixed: 4.92% to 4.49% (-43bps) |
| Purchase BTL Range (A, B and C Rated Properties | 80% | no_fee | £0 fee | 2-year fixed: 5.49% to 5.04% (-45bps) 5-year fixed: 5.44% to 4.99% (-45bps) |
| Purchase International BTL | 60% | low_fee | £999 fee | 2-year fixed: 5.19% to 5.14% (-5bps) tracker: 5.03% to 5.29% (+26bps) |
| Purchase International BTL | 60% | no_fee | £0 fee | 2-year fixed: 5.59% to 5.53% (-6bps) 5-year fixed: 5.49% to 5.46% (-3bps) tracker: 5.64% to 5.74% (+10bps) |
| Purchase International BTL | 65% | low_fee | £999 fee | 2-year fixed: 5.23% to 5.14% (-9bps) 5-year fixed: 5.34% to 5.29% (-5bps) |
| Purchase International BTL | 65% | no_fee | £0 fee | 2-year fixed: 5.64% to 5.53% (-11bps) 5-year fixed: 5.51% to 5.46% (-5bps) |
| Purchase International BTL | 75% | low_fee | £999 fee | 2-year fixed: 5.23% to 5.09% (-14bps) 5-year fixed: 5.34% to 5.24% (-10bps) tracker: 5.29% to 5.03% (-26bps) |
| Purchase International BTL | 75% | no_fee | £0 fee | 2-year fixed: 5.64% to 5.46% (-18bps) 5-year fixed: 5.51% to 5.44% (-7bps) tracker: 5.74% to 5.64% (-10bps) |
First-time buyer
| Product | LTV | Fee tier | Arrangement fee | Movement |
|---|---|---|---|---|
| First Time Buyer - Energy Efficient | 60% | low_fee | £999 fee | 2-year fixed: 4.89% to 4.69% (-20bps) 5-year fixed: 4.89% to 4.71% (-18bps) tracker: 4.39% to 4.49% (+10bps) |
| First Time Buyer - Energy Efficient | 60% | no_fee | £0 fee | 2-year fixed: 5.25% to 4.99% (-26bps) 5-year fixed: 4.99% to 4.89% (-10bps) |
| First Time Buyer - Energy Efficient | 70% | low_fee | £999 fee | 2-year fixed: 4.99% to 4.60% (-39bps) 5-year fixed: 4.99% to 4.66% (-33bps) tracker: 4.49% to 4.39% (-10bps) |
| First Time Buyer - Energy Efficient | 70% | no_fee | £0 fee | 2-year fixed: 5.29% to 4.95% (-34bps) 5-year fixed: 5.07% to 4.83% (-24bps) |
| First Time Buyer - Energy Efficient | 75% | low_fee | £999 fee | 2-year fixed: 4.99% to 4.74% (-25bps) 5-year fixed: 4.99% to 4.77% (-22bps) tracker: 4.49% to 4.59% (+10bps) |
| First Time Buyer - Energy Efficient | 75% | no_fee | £0 fee | 2-year fixed: 5.29% to 5.02% (-27bps) 5-year fixed: 5.07% to 4.92% (-15bps) |
| First Time Buyer - Energy Efficient | 80% | low_fee | £999 fee | 2-year fixed: 5.02% to 4.69% (-33bps) 5-year fixed: 5.04% to 4.71% (-33bps) tracker: 4.59% to 4.49% (-10bps) |
| First Time Buyer - Energy Efficient | 80% | no_fee | £0 fee | 2-year fixed: 5.33% to 4.99% (-34bps) 5-year fixed: 5.13% to 4.89% (-24bps) |
| First Time Buyer - Energy Efficient | 85% | no_fee | £0 fee | 2-year fixed: 5.33% to 5.59% (+26bps) 5-year fixed: 5.13% to 5.45% (+32bps) |
| First Time Buyer - Energy Efficient | 90% | low_fee | £999 fee | 2-year fixed: 5.29% to 5.02% (-27bps) 5-year fixed: 5.14% to 4.89% (-25bps) |
| First Time Buyer - Energy Efficient | 90% | no_fee | £0 fee | 2-year fixed: 5.46% to 5.26% (-20bps) 5-year fixed: 5.26% to 5.02% (-24bps) |
| First Time Buyer - Energy Efficient | 95% | low_fee | £999 fee | 2-year fixed: 3.91% to 4.74% (+83bps) 5-year fixed: 4.07% to 4.77% (+70bps) tracker: 4.29% to 4.74% (+45bps) |
| First Time Buyer - Energy Efficient | 95% | no_fee | £0 fee | 2-year fixed: 5.87% to 5.02% (-85bps) 5-year fixed: 5.63% to 4.92% (-71bps) |
| First Time Buyer - Residential | 60% | high_fee | £1,999 fee | 2-year fixed: 5.14% to 4.94% (-20bps) 5-year fixed: 5.14% to 4.96% (-18bps) tracker: 4.64% to 4.74% (+10bps) |
| First Time Buyer - Residential | 60% | low_fee | £999 fee | 2-year fixed: 4.89% to 4.69% (-20bps) 5-year fixed: 4.89% to 4.71% (-18bps) tracker: 4.39% to 4.49% (+10bps) |
| First Time Buyer - Residential | 60% | no_fee | £0 fee | 2-year fixed: 5.25% to 4.99% (-26bps) 5-year fixed: 4.99% to 4.89% (-10bps) |
| First Time Buyer - Residential | 60% | premier | £999 fee | 2-year fixed: 4.86% to 4.64% (-22bps) 5-year fixed: 4.86% to 4.66% (-20bps) |
| First Time Buyer - Residential | 70% | high_fee | £1,999 fee | 2-year fixed: 5.24% to 4.85% (-39bps) 5-year fixed: 5.24% to 4.91% (-33bps) tracker: 4.74% to 4.64% (-10bps) |
| First Time Buyer - Residential | 70% | low_fee | £999 fee | 2-year fixed: 4.99% to 4.60% (-39bps) 5-year fixed: 4.99% to 4.66% (-33bps) tracker: 4.49% to 4.39% (-10bps) |
| First Time Buyer - Residential | 70% | no_fee | £0 fee | 2-year fixed: 5.29% to 4.95% (-34bps) 5-year fixed: 5.07% to 4.83% (-24bps) |
| First Time Buyer - Residential | 70% | premier | £999 fee | 2-year fixed: 4.94% to 4.57% (-37bps) 5-year fixed: 4.94% to 4.63% (-31bps) |
| First Time Buyer - Residential | 75% | low_fee | £999 fee | 2-year fixed: 4.99% to 4.74% (-25bps) 5-year fixed: 4.99% to 4.77% (-22bps) tracker: 4.49% to 4.59% (+10bps) |
| First Time Buyer - Residential | 75% | no_fee | £0 fee | 2-year fixed: 5.29% to 5.02% (-27bps) 5-year fixed: 5.07% to 4.92% (-15bps) |
| First Time Buyer - Residential | 75% | premier | £999 fee | 2-year fixed: 4.94% to 4.69% (-25bps) 5-year fixed: 4.94% to 4.72% (-22bps) |
| First Time Buyer - Residential | 80% | high_fee | £1,999 fee | 2-year fixed: 3.91% to 4.94% (+103bps) 5-year fixed: 4.10% to 4.96% (+86bps) tracker: 4.29% to 4.74% (+45bps) |
| First Time Buyer - Residential | 80% | low_fee | £999 fee | 2-year fixed: 5.02% to 4.69% (-33bps) 5-year fixed: 5.04% to 4.71% (-33bps) tracker: 4.59% to 4.49% (-10bps) |
| First Time Buyer - Residential | 80% | no_fee | £0 fee | 2-year fixed: 5.33% to 4.99% (-34bps) 5-year fixed: 5.13% to 4.89% (-24bps) |
| First Time Buyer - Residential | 80% | premier | £999 fee | 2-year fixed: 4.97% to 4.64% (-33bps) 5-year fixed: 4.99% to 4.66% (-33bps) |
| First Time Buyer - Residential | 85% | no_fee | £0 fee | 2-year fixed: 5.46% to 5.59% (+13bps) 5-year fixed: 5.26% to 5.45% (+19bps) |
| First Time Buyer - Residential | 90% | low_fee | £999 fee | 5-year fixed: 5.04% to 4.89% (-15bps) tracker: 4.74% to 4.89% (+15bps) |
| First Time Buyer - Residential | 90% | no_fee | £0 fee | 2-year fixed: 5.33% to 5.26% (-7bps) 5-year fixed: 5.13% to 5.02% (-11bps) |
| First Time Buyer - Residential | 90% | premier | £999 fee | 5-year fixed: 4.99% to 4.84% (-15bps) |
| First Time Buyer - Residential | 95% | low_fee | £999 fee | 2-year fixed: 3.91% to 4.74% (+83bps) 5-year fixed: 4.07% to 4.77% (+70bps) tracker: 4.29% to 4.74% (+45bps) |
| First Time Buyer - Residential | 95% | no_fee | £0 fee | 2-year fixed: 5.87% to 5.02% (-85bps) 5-year fixed: 5.63% to 4.92% (-71bps) |
| First Time Buyer - Residential | 95% | premier | £999 fee | 2-year fixed: 3.86% to 4.69% (+83bps) 5-year fixed: 4.02% to 4.72% (+70bps) |
How the new rates compare
The comparisons below use currently tracked lender rows with the same borrower type, LTV and changed term where available.
First-time buyer: 80% LTV 2-year fixed
- HSBC: 4.94% 2-year fixed, £1,999 fee (First Time Buyer - Residential, 80% LTV, updated 2026-04-30)
Remortgage: 80% LTV 2-year fixed
- HSBC: 5.04% 2-year fixed, £1,999 fee (Remortgage - Residential, 80% LTV, updated 2026-04-30)
- NatWest: 5.22% 2-year fixed, £1,495 fee (Remortgage, 80% LTV, updated 2026-04-30)
Remortgage: 60% LTV 5-year fixed
- Halifax: 4.35% 5-year fixed, £999 fee (Remortgage, 60% LTV, updated 2026-03-15)
- Lloyds: 4.35% 5-year fixed, £999 fee (Remortgage, 60% LTV, updated 2026-03-15)
- NatWest: 4.69% 5-year fixed, £995 fee (Remortgage, 60% LTV, updated 2026-04-30)
- Nationwide: 4.73% 5-year fixed, £999 fee (Remortgage, 60% LTV, updated 2026-04-24)
- HSBC: 4.78% 5-year fixed, £999 fee (Remortgage - Residential, 60% LTV, updated 2026-04-30)
- HSBC: 4.78% 5-year fixed, £999 fee (RemortgageRange (Not available to - Energy Efficient, 60% LTV, updated 2026-04-30)
- Santander: 4.80% 5-year fixed, £999 fee (Remortgage, 60% LTV, updated 2026-04-24)
What to check next
Borrowers and brokers should compare the headline rate against fees, LTV band, product type and eligibility before deciding whether a deal is genuinely cheaper. A lower rate with a higher fee can cost more over the initial deal period, especially on smaller loan sizes.
This is a factual lender-rate movement summary, not mortgage advice.
Frequently Asked Questions
What changed in this HSBC mortgage rate update?
HSBC changed 161 tracked mortgage rate rows across first-time buyer, new purchase and remortgage. The exact old and new rates are shown in the update above.
Is this mortgage advice?
No. This is a factual rate-tracking update. Borrowers should check eligibility, fees and affordability, or speak to a regulated adviser.
Why compare against similar rates?
A rate movement only matters in context. Comparing the new rate with similar LTV, category and term data shows whether the lender is competitive after the change.
Why is there one post for the lender instead of one per rate?
RateWatch clusters all tracked changes from the same lender update into one article so readers get the full lender movement without duplicate short posts.