Mortgage Loans For Residential Property United Kingdom | Mortgage Rates - HSBC UK (2023)


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  3. Article 2
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  5. Element 3
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\n"},"Pre-sale of time deposits":{"name":"Pre-sale of time deposits","anchor":"Pre-sale of time deposits","html" :"Have Please note that early withdrawal of your money is subject to a fee, see fee information in our General Terms and Conditions and fee fees. Partial withdrawal of funds is not allowed. Depending on when you withdraw and the amount deposited, you may receive less than you originally invested."},"gvgt-real-time-exchange-rates":{"name":"gvgt-real -time-exchange-rates " ,"anchor":"gvgt-real-time-exchange-rates","html":"

For most currencies, we provide real-time exchange rates before making a transfer. For countries and regions with onshore trade regulations, we provide an indicative fee as the exchange cannot take place until the transfer reaches the receiving bank.


Coin value is constantly changing, so we cannot guarantee a profit or be held responsible for any loss.

\n"},"taxreportingresponsibility":{"name":"taxreportingresponsibility","anchor":"taxreportingresponsibility","html":"Interest is paid gross with no tax deduction. It is your responsibility to report winnings to the relevant tax authorities. However, any interest you earn on your accounts may need to be reported to the relevant tax authorities."},"annualrate":{"name":"annualrate","anchor":"annualrate","html": "Available balance transfers made within 60 days of account opening by issuers outside the HSBC group. This offer may be revoked at any time."},"balancetransfer":{"name":"balancetransfer","anchor":"balancetransfer","html":"Credit transfers must be made within 60 days of account opening. All transferred balances will incur a 1.4% fee."},"mortgagedisclaimer":{"name":"mortgagedisclaimer","anchor":"mortgagedisclaimer","html":"Loans are subject to the government . Your property can be repossessed if you default on mortgage payments. All mortgages are subject to status and eligibility criteria."},"exchangerate":{"name":"exchangerate","anchor":"exchangerate","html":"Live exchange rates are provided between Hong Kong Market hours on Monday morning (local time) and Friday afternoon (local time) New York market closing time, excluding holidays and unexpected closures. Transfers made outside these hours are based on the prevailing New York, London or Hong Kong closing rates and carry an additional margin at the quoted exchange rate."},"premieronly":{ "name" :"premieronly"," anchor":"premieronly ","html":"Not available with Advance accounts."},"interestratesindicative":{"name":"interestratesindicative","anchor":"interestersindicative" ,"html ":"The rates Interest is for indicative purposes only and subject to change."},"Interest Calculation":{"name":"Interest Calculation","anchor":"Interest Calculation","html": "Interest is calculated daily and paid monthly." },"Fixed Deposit Currency Availability":{" name":"Fixed Deposit Currency Availability","anchor":"Fixed Deposit Currency Availability","html":"As Fixed deposit accounts may be temporarily unavailable in certain currencies due to holidays." } ,"Cash Withdrawal":{"name":"Cash Withdrawal", "anchor":"Cash Withdrawal","html":" postpone cash payment other than one For any in-game transaction we will charge a cash fee of 2.99% of the minimum advance amount (£3.00). If you transact in a currency other than the British pound (a foreign currency), we will also charge a non-sterling transaction fee of 2.99% of the transaction amount."},"trackerrate": {"name ":" trackerrate " , "anchor":"trackerrate","html":"An interest rate recorded above the Bank of England base rate."},"gvgt-supported-currencies":{"name ":"gvgt-supported-currencies " , " anchor":"gvgt-supported-currencies","html":"Currencies supported by Global View and Global Transfers are AED, AUD, BHD, CAD, CFH, CNY, CZK , DKK, EUR, GBP, HKD , INR, JPY , KWD, MXN, NOK, NZD, OMR, PLN, QAR, RUB, SAR, SEK, SGD, SKK, THB, TRY, USD, ZAR. Please note that each country may not support transfers in all currencies in those countries. For example, transfers from the US can only be made in USD."},"quotedrate":{"name":"quotedrate","anchor":"quotedrate","html":"Feb 3, 2023 rate. Fee may change."},"fxdisclaimer":{"name":"fxdisclaimer","anchor":"fxdisclaimer","html":"The coin value changes constantly, so we cannot guarantee a win or be held liable for any Loss."},"world-selection-risk-level-1":{"name":"world-selection-risk-level-1","anchor":"world-selection-risk-level -1 ", "html":"

(Video) Whats the Lowest and Highest Mortgage Rates in the UK

The World Selection 1 is classified by HSBC as Risk 1 “Least Risk”.


World Selection 1 is managed by HSBC Global Asset Management (UK) Limited and seeks to reduce investment risk by investing in funds whose values ​​are likely to fluctuate less than a riskier fund. These funds can generate a higher return than cash-based investments to keep up with inflation. Lower risk funds can fall below the amount you invest.

\n"},"mortgageapr":{"name":"mortgageapr","anchor":"mortgageapr","html":"Total cost compared to other mortgages based on £100,000 over 25 years."}, " Investments go up and down":{"name":"Investments go up and down","anchor":"Investments go up and down","html":"The capital value and income of any investment can go down as well as up and you may not receive the full amount invested."},"monthlyrate":{"name":"monthlyrate","anchor": "monthlyrate","html":"The rate you actually receive depends on our assessment of your circumstances. "},"world-selection-risk-level-2":{"name":"world-selection-risk-level-2","anchor":"world-selection-risk-level-2 "," HTML ":"

The World Selection 2 is classified by HSBC as Risk 2 “Low to Medium Risk”.


Managed by HSBC Global Asset Management (UK) Limited, World Selection 2 seeks to reduce investment risk by investing in funds whose values ​​are likely to fluctuate less than a riskier fund. These funds can generate a higher return than cash-based investments to keep up with inflation. Low to medium risk funds can fall below the amount you invest.

\n"},"dailylimits":{"name":"dailylimits","anchor":"dailylimits","html":"Daily limits are set by default, but can be lowered using our transfer limit tool online diary. Please note that once a limit has been lowered, you will need to call our dedicated contact center to have it raised again."},"onepoll-survey":{"name":"onepoll-survey","anchor":" onepoll - survey","html":"Survey on behalf of OnePoll. The sample size was 2000 British adults aged 18 to 55 years and over. Fieldwork was carried out between June 11th and 14th, 2021. The survey was carried out online. Figures have been weighted and represent all UK adults (18+)."},"introductoryrate":{"name":"introductoryrate","anchor":"introductoryrate","html": "For the new HSBC Bank credit card customers only."},"variablerate":{"name":"variablerate","anchor":"variablerate","html":"The interest you pay, which is the base rate Bank of England interest rate of 4%, equals Feb 3, 2023, plus tracker interest rate."},"Global-money-transfers-eligibility":{"name":"Global-money-transfers-eligibility ","anchor":"global-money-transfers -eligibility ","html":"Global money transfers can only be made between eligible HSBC accounts locally or globally in participating countries/territories and subject to currency availability supported."},"gma-fx-rates": { "name " :"gma-fx-rates","anchor":"gma-fx-rates ","html":"We rely on a combination of factors to provide competitive conversion rates for Global Money con users tas that are shown to you at the time of transfer. You will receive the HSBC exchange rate before completing a transaction. This rate is updated every 90 seconds to reflect market exchange rates. The HSBC exchange rate includes the HSBC rate and a foreign currency conversion allowance."},"aergrossinterest":{"name":"aergrossinterest","anchor":"aergrossinterest","html": "

AER (Equivalent Annual Rate) is a notional interest rate that illustrates what gross interest would be if interest were paid and compounded each year.


The gross interest rate refers to the interest rate before deduction of tax applicable to interest on savings accounts.


HSBC Expat products and services are only available in jurisdictions where and if we are legally able to offer them. The material on this site is not intended for use by any person located or resident in any jurisdiction that restricts our distribution of this material. Anyone accessing these sites is responsible for informing themselves and complying with applicable restrictions. Not all products or services mentioned on this site are available to residents of all countries or regions.

(Video) Releasing equity from your home | Mortgages Made Simple | HSBC UK


Your tax situation depends on your personal circumstances and we recommend that you seek independent tax advice. All tax information is based on our understanding of current and proposed laws and practices. Law and practice are subject to change.

\n"},"eea":{"name":"eea","anchor":"eea","html":"The European Economic Area where you can pay with currency includes Austria, Belgium, Bulgaria, Croatia and Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Italy, Iceland, Ireland, Latvia, Lithuania, Liechtenstein, Luxembourg, Malta, Norway, Netherlands, Poland, Portugal, Romania, Spain, Slovakia, Slovenia and Sweden."},"financial-planning-disclaimer":{"name":"financial-planning-disclaimer","anchor":"financial-planning-disclaimer","html":"The Referral is a management, it is not a wealth management service. The service does not cover all countries and some facilities are excluded, eg exchange traded stocks/funds, bank deposits and some collective investment schemes. Requests to transfer current or future investments to the service are evaluated individually."},"world-selection-risk-level-5":{"name":"world-selection-risk-level-5", "anchor ": "world-selection-risk-level-5","html":"

The World Team 5 is classified as Risk 5 “highest risk” by HSBC.


World Selection 5 is managed by HSBC Global Asset Management (UK) Limited and seeks a higher level of investment risk when investing in funds that are expected to fluctuate significantly in value. These funds offer the potential for higher returns than medium or low risk funds over time and their value may fall below the amount invested.

\n"},"investmentscaveat":{"name":"investmentscaveat","anchor":"investmentscaveat","html":"Remember that the value of investments is not guaranteed and you may not get back the amount invested back, and any income received from them can decrease or increase. This can also occur as a result of changes in exchange rates, particularly when securities are held abroad or when investments are converted from one currency to another. We always recommend that any investment be viewed as a medium to long term investment, at least five years."},"cashwithdrawals":{"name":"cashwithdrawals","anchor":"cashwithdrawals","html ": " Debit card customers can withdraw money from any HSBC ATM without incurring a transaction fee. Credit card customers will be charged a cash advance fee. Unlike purchases, interest is calculated from the date the transactions are posted to your account until payment is received. Non-HSBC ATMs may charge a transaction fee, which is displayed on the screen when withdrawing. ATM withdrawal limits apply: GBP 500 for GBP Advance Debit Card, GBP 1,000 for GBP Premier Debit Card and USD 1,500 for USD Advance and Premier Debit Cards."},"callcentre":{"name ":"callcentre ", "anchor" : "Call Center","html":"

We may monitor and record calls to improve our service and for security reasons.


To learn how we use your personal information, please read ourNote on data protection.

\n"},"stock trading":{"name":"stock trading","anchor":"stock trading","html":"

If you place an order to buy or sell shares at market close, your order will be sent to the market on the next trading day. There is a risk of increased price volatility if you place an order when the market is closed or shortly before closing or opening times, so consider entering a price limit.


(Video) Mortgage Rates UK | How I Got My £341,000 Mortgage | Mortgage UK News

HSBC InvestDirect International's stock trading service enables the electronic buying and selling of stocks. In order to provide you with this service, your shares will be held in your name in the name of our named company, which means that your name will not appear on the company's register of shares. As you will not be entered into the company registry, you will not receive any correspondence or shareholder benefits from the company in which you hold shares. However, we will make reasonable efforts to notify you of corporate actions, e.g. B. Legal issues when we receive due notice from the Company. Instructions can be given online, by letter, or over the phone. Please see the HSBC InvestDirect International Terms and Conditions and the documents in the Important Information section for more information on how your shares are held with our agent.

\n"},"world-selection-risk-level-4":{"name":"world-selection-risk-level-4","anchor":"world-selection-risk-level-4", "html":

The World Team 4 is classified by HSBC as Risk 4 “moderate to high risk”.


World Selection 4 is managed by HSBC Global Asset Management (UK) Limited and seeks a higher level of investment risk when investing in funds that are expected to fluctuate significantly in value. These funds offer the potential for higher returns than lower risk funds over time and can fall in value below the amount you invest.

\n"},"sterlingtransactions":{"name":"sterlingtransactions","anchor":"sterlingtransactions","html":"Sterling also includes transactions made in the United Kingdom, Jersey, Guernsey and the Isle of Man as transactions international transactions where you want to pay in British Pounds instead of your local currency."},"advance-registrations":{"name":"advance-registrations","anchor":"advance-registrations"," html": "We no longer offer prepayment to new customers."},"feefreetransfers":{"name":"feefreetransfers","anchor":"feefreetransfers","html":"Some receiving banks may charge fees for international payments . For details, see the fee table."},"Local-fees-and-ATMs":{"name":"Local-fees-and-ATMs","anchor":"Local-fees-and-ATMs - ATM - fees","html":"Local and ATM fees may apply."},"account-disclaimer":{"name":"account-disclaimer","anchor" :"account-disclaimer" ,"html" : "

Your expat bank account is hosted in Jersey, the Channel Islands, a secure offshore jurisdiction and one of the world's leading and best regulated international financial centers, as recognized by the Organization for Economic Co-operation and Development (OECD).


We may not be able to offer accounts in all countries or regions.

\n"},"united-nations-source":{"name":"united-nations-source","anchor":"united-nations-source","html":"Quelle:United Nations (UN): World population dynamics"},"pensionadvice":{"name":"pensionadvice","anchor":"pensionadvice","html":"Please note that HSBC does not provide advice on pensions. Your pension details are available from your pension provider, but you should speak to a specialist pension adviser if you need guidance."},"privatebanking":{"name":"privatebanking","anchor":"privatebanking ", " html ":"HSBC Private Banking (C.I.) is a division of HSBC Bank plc, Guernsey Branch, licensed by the Guernsey Financial Services Commission for Banking, Insurance Brokerage and Investment Businesses."}," source-schroders":{ " name " :"source-schroders","anchor":"source-schroders","html":"Source:Schroders: Global Investor Study 2020"},"Investment Items Disclaimer":{"name":"Investment Items Disclaimer","anchor":"Investment Items Disclaimer","html":"

HSBC Bank plc, Jersey Branch has prepared this article based on publicly available information at the time of writing from sources it believes to be reliable, but has not independently verified this information.


HSBC Bank plc, Jersey Branch and HSBC Group will not be liable for any loss, damage, liability or other consequences of any kind that you suffer or suffer as a result of or in connection with your use of or reliance on the Article. . The content of this article is subject to change without notice. HSBC Bank plc, Jersey Branch and HSBC Group make no warranties, representations or endorsements as to the accuracy, timeliness or completeness of this article.

(Video) Mortgage Interest Rates UK 2021 Explained (mortgage basics and mortgage terminology broken down)


This article does not constitute investment advice or recommendation and is not intended to sell or solicit any purchase or subscription to any investment or service. This article should not be relied upon as the basis for any tax, estate, fiduciary or legacy planning decision. You must not use or rely on this article when making investment decisions. HSBC Bank plc, Jersey Branch and HSBC Group are not responsible for such use or your reliance on it.


All market information displayed is historical and should not be considered an indication of future market performance.


If you have any questions about the contents of this article, please consult your professional adviser in your jurisdiction.

\n"},"source-stern":{"name":"source-stern","anchor":"source-stern","html":"Fonte:STERN: ESG and financial performance"},"using-the-app":{"name":"using-the-app","anchor":"using-the-app","html":"Global money transfers are not available on Expat FX - App, Online Banking or Phone Banking. You can only access it via the HSBC Expat Mobile Banking app."},"world-selection-risk-level-3":{"name":"world-selection-risk-level-3","anchor " :" world-selection-risk-level-3","html":"

The World Selection 3 is classified by HSBC as Risk 3 “Moderate Risk”.


World Selection 3 is managed by HSBC Global Asset Management (UK) Limited and aims to achieve a medium level of investment risk by investing in funds whose values ​​are likely to vary more than lower risk funds but less than higher risk funds. risk. These funds offer the potential for higher returns than lower-risk funds over time. Medium risk funds are likely to experience greater short-term fluctuations in value than lower risk funds, and your value may fall below the amount you invest.


Other information

    (Video) Mortgages explained UK


    What is the base rate for Bank of England HSBC mortgage? ›

    The current base rate

    The base rate has changed to 4%. There's no need to call us – we'll write to you if there are any changes to your payments as a result of the base rate increase on 2 February 2023.

    What is the current interest rate in the UK for mortgages? ›

    What are the current interest rates for mortgages? On 14 February 2023: The average two-year fixed-rate mortgage rate in the UK is 5.21% (based on 75% LTV) The average five-year fixed-rate mortgage rate in the UK is 4.86% (based on 75% LTV)

    What are HSBC mortgage rates May 2022? ›

    With effect from Sunday 1 May 2022 we are changing our Residential Standard Variable Rate from 3.79% to 4.04% and our Buy to Let Standard Variable Rate from 4.85% to 5.10%.

    What is HSBC prime interest rate? ›

    The prime rate is the lending rate Canada's banks and financial institutions use to set interest rates for variable loans and lines of credit, including mortgages. HSBC's prime rate today, February 10, 2023, is currently 6.7%.

    What is HSBC base rate 2022? ›

    Effective 11 November 2022, HSBC's Standardised Base Rate (SBR) will be revised to 2.75% p.a. Correspondingly, our Base Rate (BR) will be revised to 3.39% p.a. while our Base Lending Rate (BLR) / Base Financing Rate (BFR) will be revised to 6.49% p.a.

    What is the average 5 year fixed mortgage rate in the UK? ›

    While 5 year rates have dropped even further, from 5.67% in November 2022 to 4.32%. The difference in rates mean borrowers could save over £100 per month on a typical £150,000 repayment mortgage over 25 years.


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