Mortgage Rates

HSBC raises remortgage tracker to 4.89% at 65% LTV

HSBC has moved its remortgage tracker from 4.69% to 4.89% for 65% LTV borrowers.

Published 30 April 2026 - Reviewed 30 April 2026

Expert reviewed by Samuel Cise Founder, RateWatch.uk · Certificate in Insurance · In the market since 2007 Samuel is the founder of RateWatch.uk and has worked in the UK mortgage and insurance market since 2007. He built RateWatch after years of watching brokers chase the same rate sheets every morning — the site puts every high-street lender's rates in one place, updated daily.

Live remortgage rate update

HSBC has increased a remortgage mortgage rate for 65% LTV borrowers. The changed product is Remortgage BTL - Energy Efficient, updated on 2026-04-30.

What changed

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)

This is a live RateWatch update from the lender data refresh. It is a factual rate movement summary, not mortgage advice.

How it compares

For context, these are the closest currently tracked remortgage rates at 65% LTV for tracker:

Halifax: 4.32% tracker, £999 fee (Remortgage, updated 2026-03-15)
Lloyds: 4.32% tracker, £999 fee (Remortgage, updated 2026-03-15)
HSBC: 4.89% tracker, £999 fee (Remortgage BTL, updated 2026-04-30)
HSBC: 4.89% tracker, £999 fee (Remortgage BTL - Energy Efficient, updated 2026-04-30)
HSBC: 5.09% tracker, £999 fee (Remortgage International BTL, updated 2026-04-30)

Quick read

Lender: HSBC
Category: Remortgage
Product: Remortgage BTL - Energy Efficient
LTV: 65%
Fee tier: low_fee
Arrangement fee: £999 fee
Rate-card date: 2026-04-30

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.

Frequently Asked Questions

What changed in this remortgage rate update?

HSBC changed at least one tracked rate for Remortgage BTL - Energy Efficient at 65% LTV. 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.