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Switch your mortgage deal

If your HSBC mortgage rate is ending, we can help you find your next deal.

As an existing customer, you're one step ahead

If your current mortgage deal with us is coming to an end, we make it easy to switch to a new one. 

  • Access special rates for existing customers
  • Switch quickly – it can take 4 to 8 weeks to move to another lender
  • Lock-in your rate up to 6 months before your current deal ends.

How to switch your rate

1. Check your end date

We’ll remind you when your current deal is due to end - you can choose a new rate up to 6 months in advance. You could switch earlier, but there might be an early repayment charge.

2. Review the latest rates

Take a look at our latest rates. You'll find a selection available to you, based on your mortgage balance and property value. Then, choose one to switch to.

3. Contact us to renew

Chosen your rate? Book an appointment to come into a branch and we'll finalise your new deal in person.

Ready to switch?

Book an appointment online

To complete your switch, you'll need to meet with a mortgage specialist at one of our branches. Please bring identification, proof of address and a recent bank statement.

Call us to make an appointment

If you can't book online, call us on:

03456 00 61 61

Our lines are open 07:00 to 21:00 every day.

Frequently asked questions

You might be interested in

Our mortgage calculators can help you estimate your monthly payments and see how much you could borrow.
We have a range of mortgages for Jersey, Guernsey and Isle of Man customers.
Find out more about the Bank of England base rate and how it could affect your mortgage rate.
Find out about the types of mortgages available in your region.

Additional information

Think carefully before securing other debts against your property. Your property may be repossessed if you do not keep up repayments on your mortgage.
    We're here to help you. Find the answers and while you're at it, tell us how we could do better.