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Mortgage Rates

We have a range of mortgages for Jersey, Guernsey and Isle of Man customers

The information in the tables and further information section does not contain all of the details you need to choose a mortgage. We'll provide you with a Mortgage Illustration that you should read carefully before you make a decision to proceed.

Your property or home may be repossessed if you do not keep up repayments on your mortgage. All mortgages are subject to status and eligibility criteria.

Tracker rates include the Bank of England base rate (currently 4.00%).

The following tables show our current rates, effective from 3 February 2023.

Residential Mortgages - New business customers

Residential - Maximum 60% Loan to Value - Maximum Loan Amount £5,000,000
Product Initial interest rate Initial interest rate period Followed by a Variable Rate, currently Booking fee Overall cost for comparison (APR)

2 Year Tracker Standard

4.99% 2 Years 6.79% £999 6.7% APR

2 Year Tracker Premier Standard

4.94% 2 Years 6.79% £999 6.7% APR

2 Year Fixed Fee Saver

5.69% 2 Years (Fixed until 31.05.25) 6.79% £0

6.8% APR

2 Year Fixed Standard

5.54% 2 Years (Fixed until 31.05.25) 6.79% £999

6.8% APR

2 Year Fixed Premier Fee Saver

5.64% 2 Years (Fixed until 31.05.25) 6.79% £0

6.8% APR

2 Year Fixed Premier Standard

5.49% 2 Years (Fixed until 31.05.25) 6.79% £999

6.8% APR

5 Year Fixed Fee Saver

5.19% 5 Years (Fixed until 31.05.28) 6.79% £0

6.3% APR

5 Year Fixed Standard

5.09% 5 Years (Fixed until 31.05.28) 6.79% £999

6.3% APR

5 Year Fixed Premier Fee Saver

5.14% 5 Years (Fixed until 31.05.28) 6.79% £0

6.3% APR

5 Year Fixed Premier Standard

5.04% 5 Years (Fixed until 31.05.28) 6.79% £999

6.3% APR

Residential - Maximum 60% Loan to Value - Maximum Loan Amount £5,000,000
Product

2 Year Tracker Standard

Initial interest rate 4.99%
Initial interest rate period 2 Years
Followed by a Variable Rate, currently 6.79%
Booking fee £999
Overall cost for comparison (APR) 6.7% APR
Product

2 Year Tracker Premier Standard

Initial interest rate 4.94%
Initial interest rate period 2 Years
Followed by a Variable Rate, currently 6.79%
Booking fee £999
Overall cost for comparison (APR) 6.7% APR
Product

2 Year Fixed Fee Saver

Initial interest rate 5.69%
Initial interest rate period 2 Years (Fixed until 31.05.25)
Followed by a Variable Rate, currently 6.79%
Booking fee £0
Overall cost for comparison (APR)

6.8% APR

Product

2 Year Fixed Standard

Initial interest rate 5.54%
Initial interest rate period 2 Years (Fixed until 31.05.25)
Followed by a Variable Rate, currently 6.79%
Booking fee £999
Overall cost for comparison (APR)

6.8% APR

Product

2 Year Fixed Premier Fee Saver

Initial interest rate 5.64%
Initial interest rate period 2 Years (Fixed until 31.05.25)
Followed by a Variable Rate, currently 6.79%
Booking fee £0
Overall cost for comparison (APR)

6.8% APR

Product

2 Year Fixed Premier Standard

Initial interest rate 5.49%
Initial interest rate period 2 Years (Fixed until 31.05.25)
Followed by a Variable Rate, currently 6.79%
Booking fee £999
Overall cost for comparison (APR)

6.8% APR

Product

5 Year Fixed Fee Saver

Initial interest rate 5.19%
Initial interest rate period 5 Years (Fixed until 31.05.28)
Followed by a Variable Rate, currently 6.79%
Booking fee £0
Overall cost for comparison (APR)

6.3% APR

Product

5 Year Fixed Standard

Initial interest rate 5.09%
Initial interest rate period 5 Years (Fixed until 31.05.28)
Followed by a Variable Rate, currently 6.79%
Booking fee £999
Overall cost for comparison (APR)

6.3% APR

Product

5 Year Fixed Premier Fee Saver

Initial interest rate 5.14%
Initial interest rate period 5 Years (Fixed until 31.05.28)
Followed by a Variable Rate, currently 6.79%
Booking fee £0
Overall cost for comparison (APR)

6.3% APR

Product

5 Year Fixed Premier Standard

Initial interest rate 5.04%
Initial interest rate period 5 Years (Fixed until 31.05.28)
Followed by a Variable Rate, currently 6.79%
Booking fee £999
Overall cost for comparison (APR)

6.3% APR

Buy to Let Mortgage Rates - New business customers

Buy to Let - Maximum 60% Loan to Value - Maximum Loan Amount £2,000,000
Product

Initial interest rate

Initial interest rate period

Followed by a Variable Rate, currently

Booking fee

Overall cost for comparison (APR)

2 Year Tracker Standard

5.34% 2 Years 6.35% £1,999

6.6% APR

2 Year Tracker Premier Standard

5.29% 2 Years 6.35% £1,999

6.6% APR

5 Year Fixed Standard

5.59% 5 Years (Fixed until 31.05.28) 6.35% £1,999

6.5% APR

5 Year Fixed Fee Saver

5.94% 5 Years (Fixed until 31.05.28) 6.35% £0

6.4% APR

5 Year Fixed Premier Standard

5.54% 5 Years (Fixed until 31.05.28) 6.35% £1,999

6.4% APR

5 Year Fixed Premier Fee Saver

5.89% 5 Years (Fixed until 31.05.28) 6.35% £0

6.3% APR

Buy to Let - Maximum 60% Loan to Value - Maximum Loan Amount £2,000,000
Product

2 Year Tracker Standard

Initial interest rate

5.34%

Initial interest rate period

2 Years

Followed by a Variable Rate, currently

6.35%

Booking fee

£1,999

Overall cost for comparison (APR)

6.6% APR

Product

2 Year Tracker Premier Standard

Initial interest rate

5.29%

Initial interest rate period

2 Years

Followed by a Variable Rate, currently

6.35%

Booking fee

£1,999

Overall cost for comparison (APR)

6.6% APR

Product

5 Year Fixed Standard

Initial interest rate

5.59%

Initial interest rate period

5 Years (Fixed until 31.05.28)

Followed by a Variable Rate, currently

6.35%

Booking fee

£1,999

Overall cost for comparison (APR)

6.5% APR

Product

5 Year Fixed Fee Saver

Initial interest rate

5.94%

Initial interest rate period

5 Years (Fixed until 31.05.28)

Followed by a Variable Rate, currently

6.35%

Booking fee

£0

Overall cost for comparison (APR)

6.4% APR

Product

5 Year Fixed Premier Standard

Initial interest rate

5.54%

Initial interest rate period

5 Years (Fixed until 31.05.28)

Followed by a Variable Rate, currently

6.35%

Booking fee

£1,999

Overall cost for comparison (APR)

6.4% APR

Product

5 Year Fixed Premier Fee Saver

Initial interest rate

5.89%

Initial interest rate period

5 Years (Fixed until 31.05.28)

Followed by a Variable Rate, currently

6.35%

Booking fee

£0

Overall cost for comparison (APR)

6.3% APR

Residential Mortgages - Existing HSBC mortgage customers

Residential - Maximum 60% Loan to Value - Maximum Loan Amount £5,000,000
Product Initial interest rate Initial interest rate period Followed by a Variable Rate, currently Booking fee Overall cost for comparison (APR)

2 Year Tracker Standard

4.79% 2 Years 6.79% £999 6.7% APR

2 Year Tracker Premier Standard

4.74% 2 Years 6.79% £999 6.7% APR

2 Year Fixed Fee Saver

5.49% 2 Years (Fixed until 31.05.25) 6.79% £0

6.7% APR

2 Year Fixed Standard

5.34% 2 Years (Fixed until 31.05.25) 6.79% £999

6.8% APR

2 Year Fixed Premier Fee Saver

5.44% 2 Years (Fixed until 31.05.25) 6.79% £0

6.8% APR

2 Year Fixed Premier Standard

5.29% 2 Years (Fixed until 31.05.25) 6.79% £999

6.8% APR

5 Year Fixed Fee Saver

4.99% 5 Years (Fixed until 31.05.28) 6.79% £0

6.2% APR

5 Year Fixed Standard

4.89% 5 Years (Fixed until 31.05.28) 6.79% £999

6.2% APR

5 Year Fixed Premier Fee Saver

4.94% 5 Years (Fixed until 31.05.28) 6.79% £0

6.2% APR

5 Year Fixed Premier Standard

4.84% 5 Years (Fixed until 31.05.28) 6.79% £999

6.2% APR

Residential - Maximum 60% Loan to Value - Maximum Loan Amount £5,000,000
Product

2 Year Tracker Standard

Initial interest rate 4.79%
Initial interest rate period 2 Years
Followed by a Variable Rate, currently 6.79%
Booking fee £999
Overall cost for comparison (APR) 6.7% APR
Product

2 Year Tracker Premier Standard

Initial interest rate 4.74%
Initial interest rate period 2 Years
Followed by a Variable Rate, currently 6.79%
Booking fee £999
Overall cost for comparison (APR) 6.7% APR
Product

2 Year Fixed Fee Saver

Initial interest rate 5.49%
Initial interest rate period 2 Years (Fixed until 31.05.25)
Followed by a Variable Rate, currently 6.79%
Booking fee £0
Overall cost for comparison (APR)

6.7% APR

Product

2 Year Fixed Standard

Initial interest rate 5.34%
Initial interest rate period 2 Years (Fixed until 31.05.25)
Followed by a Variable Rate, currently 6.79%
Booking fee £999
Overall cost for comparison (APR)

6.8% APR

Product

2 Year Fixed Premier Fee Saver

Initial interest rate 5.44%
Initial interest rate period 2 Years (Fixed until 31.05.25)
Followed by a Variable Rate, currently 6.79%
Booking fee £0
Overall cost for comparison (APR)

6.8% APR

Product

2 Year Fixed Premier Standard

Initial interest rate 5.29%
Initial interest rate period 2 Years (Fixed until 31.05.25)
Followed by a Variable Rate, currently 6.79%
Booking fee £999
Overall cost for comparison (APR)

6.8% APR

Product

5 Year Fixed Fee Saver

Initial interest rate 4.99%
Initial interest rate period 5 Years (Fixed until 31.05.28)
Followed by a Variable Rate, currently 6.79%
Booking fee £0
Overall cost for comparison (APR)

6.2% APR

Product

5 Year Fixed Standard

Initial interest rate 4.89%
Initial interest rate period 5 Years (Fixed until 31.05.28)
Followed by a Variable Rate, currently 6.79%
Booking fee £999
Overall cost for comparison (APR)

6.2% APR

Product

5 Year Fixed Premier Fee Saver

Initial interest rate 4.94%
Initial interest rate period 5 Years (Fixed until 31.05.28)
Followed by a Variable Rate, currently 6.79%
Booking fee £0
Overall cost for comparison (APR)

6.2% APR

Product

5 Year Fixed Premier Standard

Initial interest rate 4.84%
Initial interest rate period 5 Years (Fixed until 31.05.28)
Followed by a Variable Rate, currently 6.79%
Booking fee £999
Overall cost for comparison (APR)

6.2% APR

Buy to Let Mortgage Rates - Existing HSBC mortgage customers

Buy to Let - Maximum 60% Loan to Value - Maximum Loan Amount £2,000,000
Product

Initial interest rate

Initial interest rate period

Followed by a Variable Rate, currently

Booking fee

Overall cost for comparison (APR)

2 Year Tracker Standard

5.34% 2 Years 6.35% £1,999

6.6% APR

2 Year Tracker Premier Standard

5.29% 2 Years 6.35% £1,999

6.6% APR

5 Year Fixed Standard

5.59% 5 Years (Fixed until 31.05.28) 6.35% £1,999

6.5% APR

5 Year Fixed Fee Saver

5.94% 5 Years (Fixed until 31.05.28) 6.35% £0

6.4% APR

5 Year Fixed Premier Standard

5.54% 5 Years (Fixed until 31.05.28) 6.35% £1,999

6.4% APR

5 Year Fixed Premier Standard

5.89% 5 Years (Fixed until 31.05.28) 6.35% £0

6.3% APR

Buy to Let - Maximum 60% Loan to Value - Maximum Loan Amount £2,000,000
Product

2 Year Tracker Standard

Initial interest rate

5.34%

Initial interest rate period

2 Years

Followed by a Variable Rate, currently

6.35%

Booking fee

£1,999

Overall cost for comparison (APR)

6.6% APR

Product

2 Year Tracker Premier Standard

Initial interest rate

5.29%

Initial interest rate period

2 Years

Followed by a Variable Rate, currently

6.35%

Booking fee

£1,999

Overall cost for comparison (APR)

6.6% APR

Product

5 Year Fixed Standard

Initial interest rate

5.59%

Initial interest rate period

5 Years (Fixed until 31.05.28)

Followed by a Variable Rate, currently

6.35%

Booking fee

£1,999

Overall cost for comparison (APR)

6.5% APR

Product

5 Year Fixed Fee Saver

Initial interest rate

5.94%

Initial interest rate period

5 Years (Fixed until 31.05.28)

Followed by a Variable Rate, currently

6.35%

Booking fee

£0

Overall cost for comparison (APR)

6.4% APR

Product

5 Year Fixed Premier Standard

Initial interest rate

5.54%

Initial interest rate period

5 Years (Fixed until 31.05.28)

Followed by a Variable Rate, currently

6.35%

Booking fee

£1,999

Overall cost for comparison (APR)

6.4% APR

Product

5 Year Fixed Premier Standard

Initial interest rate

5.89%

Initial interest rate period

5 Years (Fixed until 31.05.28)

Followed by a Variable Rate, currently

6.35%

Booking fee

£0

Overall cost for comparison (APR)

6.3% APR

Remortgage Rates - Remortgaging from another lender

You'll be considered a remortgage customer if your mortgage is with another provider and you're looking to switch to us, or borrow more for your current home.

Residential - Maximum 60% Loan to Value - Maximum Loan Amount £5,000,000
Product Initial interest rate Initial interest rate period Followed by a Variable Rate, currently Booking fee Overall cost for comparison (APR)

2 Year Tracker Standard

4.89% 2 Years 6.79% £999 6.7% APR

2 Year Tracker Premier Standard

4.84% 2 Years 6.79% £999 6.7% APR

2 Year Fixed Fee Saver

5.59% 2 Years (Fixed until 31.05.25) 6.79% £0

6.8% APR

2 Year Fixed Standard

5.44% 2 Years (Fixed until 31.05.25) 6.79% £999

6.8% APR

2 Year Fixed Premier Fee Saver

5.54% 2 Years (Fixed until 31.05.25) 6.79% £0

6.7% APR

2 Year Fixed Premier Standard

5.39% 2 Years (Fixed until 31.05.25) 6.79% £999

6.9% APR

5 Year Fixed Fee Saver

5.09% 5 Years (Fixed until 31.05.28) 6.79% £0

6.2% APR

5 Year Fixed Standard

4.99% 5 Years (Fixed until 31.05.28) 6.79% £999

6.3% APR

5 Year Fixed Premier Fee Saver

5.04% 5 Years (Fixed until 31.05.28) 6.79% £0

6.2% APR

5 Year Fixed Premier Standard

4.94% 5 Years (Fixed until 31.05.28) 6.79% £999

6.2% APR

Residential - Maximum 60% Loan to Value - Maximum Loan Amount £5,000,000
Product

2 Year Tracker Standard

Initial interest rate 4.89%
Initial interest rate period 2 Years
Followed by a Variable Rate, currently 6.79%
Booking fee £999
Overall cost for comparison (APR) 6.7% APR
Product

2 Year Tracker Premier Standard

Initial interest rate 4.84%
Initial interest rate period 2 Years
Followed by a Variable Rate, currently 6.79%
Booking fee £999
Overall cost for comparison (APR) 6.7% APR
Product

2 Year Fixed Fee Saver

Initial interest rate 5.59%
Initial interest rate period 2 Years (Fixed until 31.05.25)
Followed by a Variable Rate, currently 6.79%
Booking fee £0
Overall cost for comparison (APR)

6.8% APR

Product

2 Year Fixed Standard

Initial interest rate 5.44%
Initial interest rate period 2 Years (Fixed until 31.05.25)
Followed by a Variable Rate, currently 6.79%
Booking fee £999
Overall cost for comparison (APR)

6.8% APR

Product

2 Year Fixed Premier Fee Saver

Initial interest rate 5.54%
Initial interest rate period 2 Years (Fixed until 31.05.25)
Followed by a Variable Rate, currently 6.79%
Booking fee £0
Overall cost for comparison (APR)

6.7% APR

Product

2 Year Fixed Premier Standard

Initial interest rate 5.39%
Initial interest rate period 2 Years (Fixed until 31.05.25)
Followed by a Variable Rate, currently 6.79%
Booking fee £999
Overall cost for comparison (APR)

6.9% APR

Product

5 Year Fixed Fee Saver

Initial interest rate 5.09%
Initial interest rate period 5 Years (Fixed until 31.05.28)
Followed by a Variable Rate, currently 6.79%
Booking fee £0
Overall cost for comparison (APR)

6.2% APR

Product

5 Year Fixed Standard

Initial interest rate 4.99%
Initial interest rate period 5 Years (Fixed until 31.05.28)
Followed by a Variable Rate, currently 6.79%
Booking fee £999
Overall cost for comparison (APR)

6.3% APR

Product

5 Year Fixed Premier Fee Saver

Initial interest rate 5.04%
Initial interest rate period 5 Years (Fixed until 31.05.28)
Followed by a Variable Rate, currently 6.79%
Booking fee £0
Overall cost for comparison (APR)

6.2% APR

Product

5 Year Fixed Premier Standard

Initial interest rate 4.94%
Initial interest rate period 5 Years (Fixed until 31.05.28)
Followed by a Variable Rate, currently 6.79%
Booking fee £999
Overall cost for comparison (APR)

6.2% APR

Buy to Let Remortgage Rates - Remortgaging from another lender

Buy to Let - Maximum 60% Loan to Value - Maximum Loan Amount £2,000,000
Product

Initial interest rate

Initial interest rate period

Followed by a Variable Rate, currently

Booking fee

Overall cost for comparison (APR)

2 Year Tracker Standard

5.34% 2 Years 6.35% £1,999

6.6% APR

2 Year Tracker Premier Standard

5.29% 2 Years 6.35% £1,999

6.6% APR

5 Year Fixed Standard

5.59% 5 Years (Fixed until 31.05.28) 6.35% £1,999

6.5% APR

5 Year Fixed Fee Saver

5.94% 5 Years (Fixed until 31.05.28) 6.35% £0

6.4% APR

5 Year Fixed Premier Standard

5.54% 5 Years (Fixed until 31.05.28) 6.35% £1,999

6.4% APR

5 Year Fixed Premier Fee Saver

5.89% 5 Years (Fixed until 31.05.28) 6.35% £0

6.3% APR

Buy to Let - Maximum 60% Loan to Value - Maximum Loan Amount £2,000,000
Product

2 Year Tracker Standard

Initial interest rate

5.34%

Initial interest rate period

2 Years

Followed by a Variable Rate, currently

6.35%

Booking fee

£1,999

Overall cost for comparison (APR)

6.6% APR

Product

2 Year Tracker Premier Standard

Initial interest rate

5.29%

Initial interest rate period

2 Years

Followed by a Variable Rate, currently

6.35%

Booking fee

£1,999

Overall cost for comparison (APR)

6.6% APR

Product

5 Year Fixed Standard

Initial interest rate

5.59%

Initial interest rate period

5 Years (Fixed until 31.05.28)

Followed by a Variable Rate, currently

6.35%

Booking fee

£1,999

Overall cost for comparison (APR)

6.5% APR

Product

5 Year Fixed Fee Saver

Initial interest rate

5.94%

Initial interest rate period

5 Years (Fixed until 31.05.28)

Followed by a Variable Rate, currently

6.35%

Booking fee

£0

Overall cost for comparison (APR)

6.4% APR

Product

5 Year Fixed Premier Standard

Initial interest rate

5.54%

Initial interest rate period

5 Years (Fixed until 31.05.28)

Followed by a Variable Rate, currently

6.35%

Booking fee

£1,999

Overall cost for comparison (APR)

6.4% APR

Product

5 Year Fixed Premier Fee Saver

Initial interest rate

5.89%

Initial interest rate period

5 Years (Fixed until 31.05.28)

Followed by a Variable Rate, currently

6.35%

Booking fee

£0

Overall cost for comparison (APR)

6.3% APR