HSBC UK Mortgage Rate Changes – August 2025: What Homeowners and Buyers Need to Know

HSBC Updates Fixed-Rate Mortgages for August 2025

HSBC UK has announced a comprehensive set of mortgage rate changes effective Tuesday, 5th August 2025. These updates impact residential first-time buyers, home movers, remortgagers, and international clients. The main focus is on changes to fixed-rate products across varied Loan-to-Value (LTV) tiers, including special terms for energy efficient homes (A & B EPC ratings). Here’s what these changes mean for you as a prospective UK mortgage applicant, homeowner, or property investor.

Key HSBC Mortgage Rate Adjustments: At-a-Glance

• Decreases on select 2- and 5-year fixed rates at popular LTVs (notably 60%, 70%, 75%).
• Increases on some 5-year fixed rates at higher LTVs (80%, 85%) for standard and Premier products.
• Updates apply to both standard and “Fee Saver” products, as well as exclusive “Premier” mortgages for HSBC Premier account holders.
• Special rate changes for energy efficient properties (A & B EPC rating), supporting green home lending.
• International residential borrowers also see reductions on 2- and 5-year fixed deals at 70% and 75% LTV.

Detailed Product-by-Product Summary

First-Time Buyer & Home Mover

• 2 Year Fixed Fee Saver at 70% and 75% LTV – decreasing.
• 2 Year Fixed Standard at 60%, 70%, 75% LTV – decreasing.
• 2 Year Fixed High Value at 60%, 70%, 75% LTV – decreasing.
• 5 Year Fixed Fee Saver at 60%, 70%, 75% LTV – decreasing; at 80%, 85% LTV – increasing.
• 5 Year Fixed Standard at 70%, 75% LTV – decreasing; at 80%, 85% LTV – increasing.
• 5 Year Fixed High Value at 70%, 75% LTV – decreasing.
• Premier Exclusives (for HSBC Premier holders) at 60%, 70%, 75% (2 & 5 Year Fixed) – decreasing; at 80%, 85% (5 Year Fixed) – increasing.

Energy Efficient Homes (A & B EPC Rated)

• Same broad trend: decreases at lower LTVs (up to 75%) and increases at higher LTVs (80%, 85%) on 5-year products.
• If your property is highly energy efficient, you may qualify for preferential rates on select HSBC fixed-rate mortgages.

Residential Remortgage (Including Cashback and Energy Efficient Categories)

• 2 Year Fixed (Fee Saver and Standard) at 70% and 75% LTV – decreasing.
• Premier Exclusives for remortgage at 70% and 75% LTV – decreasing.

International Residential Mortgages

• 2 & 5 Year Fixed (Fee Saver, Standard, Premier Exclusive) at 70% and 75% LTV – decreasing.
• 5 Year Fixed Fee Saver also decreases at 60% LTV.

Who Benefits from These HSBC Rate Changes?

• First-time buyers and movers – Lower rates at core LTVs offer greater affordability on both standard and Premier products.
• Remortgagers – New lower 2-year rates create opportunities to reduce monthly repayments or lock in security, especially for those at 70% and 75% LTV.
• Green homeowners – Energy efficient properties may secure even lower rates, offering an incentive to buy or upgrade to an A/B-rated home.
• HSBC Premier clients – Exclusive reductions; if you hold (or open) a Premier current account, ask about extra rate discounts.
• International buyers – Properties financed at 70–75% LTV qualify for new lower rates.

Notable Policy Reminders and Application Guidance

• Premier account eligibility: Premier mortgage rates require an HSBC Premier current account. Open the account before submission, or use HSBC’s ‘Application Amendment’ or ‘Chat With Us’ to secure Premier rates after account set-up.
• Submit applications by midnight, 5th August 2025 to lock in pre-change rates—ensure all documents are provided within 30 days.
• Sourcing tools and criteria: Updated rates will appear on product sourcing systems and HSBC’s digital product finder from 5th August.

Why Choose HSBC for Your Next Mortgage?

• Competitive rates: HSBC continues to offer attractive fixed-rate deals at key LTV thresholds, including exclusive deals for Premier clients.
• Green home support: Dedicated rate reductions for energy efficient properties help environmentally-conscious borrowers save more.
• Comprehensive lending: From first-time buyers to remortgagers and international clients, HSBC covers a broad spectrum of borrower needs.
• Fee Saver options: Choices to minimise upfront costs are available for several key fixed-rate products.

Next Steps: Speak to a Mortgage Adviser

Understanding how these rate changes apply to your circumstances is essential. Contact our expert mortgage brokerage team today for personalised advice and to secure the most suitable HSBC UK mortgage for your goals. Whether you’re a first-time buyer, a remortgager, looking for a green mortgage, or refinancing, we can help you maximise the benefits of the latest HSBC updates.

FAQs: HSBC August 2025 Mortgage Rate Changes

• Who qualifies for HSBC Premier mortgage rates?
  Only existing HSBC Premier current account holders qualify. Open an account before applying or amend your application after opening to access these exclusive rates.
• How do these rate changes affect my monthly repayments?
  Lower rates at 60%, 70%, and 75% LTV can reduce monthly payments for new and remortgage applicants. Higher LTVs (80%, 85%) see some rate increases on 5-year products.
• Can I benefit from lower rates if my property is energy efficient?
  Yes. Borrowers purchasing or remortgaging A or B EPC-rated properties may qualify for further reduced rates.
• When should I apply to secure existing product rates?
  Applications must be submitted in full by midnight, Monday 5th August 2025, with all documents supplied within 30 days.
• How can I find out more or check eligibility?
  Contact our mortgage advice team for tailored guidance, eligibility checks, and to secure your rate before changes take effect.