HSBC UK has announced widespread cuts to its mortgage rates, with reductions of up to 0.24% across its residential, buy-to-let, and international mortgage rates products. The new HSBC mortgage rate cuts offer a surge of sub-4% mortgage offers onto the market, with HSBC now providing more than twenty four options below the 4% mark, the highest number available since September 2024.
The new mortgage rates HSBC are available for home purchase, remortgage rates UK, and existing customers reaching the end of their current deals. Notably, the latest updates provide more affordable options across all loan-to-value (LTV) ranges, including low deposit mortgage rates for borrowers with smaller deposits.
HSBC Mortgage Rate Cuts
For Premier customer mortgage rates, reductions of up to 0.19% have been introduced, with two-year fixed rate mortgages now starting from 3.88% at 60% LTV, with a £999 fee. Non-Premier customers can also benefit, with two-year fixed rates from 3.91% and five-year fixed mortgage deals starting from 3.93%, both at 60% LTV and down by 0.19%.
Buy-to-let mortgage rates have seen decreases of up to 0.12%, with attractive sub-4% options available. A standout offer includes a 60% LTV remortgage deal at 3.91%, although this comes with a £3,999 fee.
Meanwhile, international residential mortgages have also become more competitive, with reductions of up to 0.20%. The lowest rate now stands at 4.31% for a three-year fixed rate at 60% LTV.
With more sub-4% deals available than at any point since 2024, HSBC’s latest offerings represent some of the best mortgage rates 2025 has seen so far.
Expert Insights From Oportfolio Mortgages
Mortgage brokers have welcomed the news. Louis Mason, Marketing and Communications Director at Oportfolio Mortgages, commented:
“This latest round of rate cuts from HSBC is a positive sign for borrowers. The availability of sub-4% rates across such a wide variety of products will undoubtedly be attractive to both home movers and those looking to remortgage. In a market where rates have remained stubbornly high, it’s encouraging to see a major lender like HSBC making decisive moves to support customers looking for the best HSBC mortgage deals.”
Speak To A Mortgage Broker For Expert Advice
With mortgage rate reductions continuing across the market, expert guidance has never been more important. Whether you’re seeking fixed-rate mortgage deals, the best mortgage rates 2025, or tailored mortgage broker advice UK, Oportfolio Mortgages can help you secure the right solution. Call Oportfolio Mortgages today to explore your options and take advantage of the latest sub-4% HSBC deals.
