HSBC is a major UK lender known for offering ultra-low mortgage rates, especially for borrowers with clean credit and straightforward employment. While they tend to be less flexible than some broker-only lenders, they’re a top choice for clients who meet standard criteria and want to lock in outstanding fixed rates.
At Mortgage Knight, we help you access HSBC’s best deals and navigate their sometimes strict documentation process, ensuring you get the rate you deserve, without the stress.
If you want a low rate from a trusted high street lender, HSBC could be a perfect fit — especially if you’ve got clean credit, solid income, and want a simple, affordable mortgage.
Contact Mortgage Knight today and let us handle your HSBC application from start to finish — making sure you get the best deal, the first time.
A: Often, yes. HSBC is regularly top of the best-buy tables for fixed-rate and tracker products, especially in the 60%–85% LTV range. We’ll compare their rates to others to confirm best value
A: Yes, but they typically require consistent evidence over 6–12 months. We’ll package payslips and bank statements to maximise your declared income.
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A: HSBC offers income multiples up to 4.49x, or higher for lower-risk clients. Their affordability model is conservative, but rates are often unbeatable when you qualify.
A: Yes — but HSBC typically requires 2 full years of accounts or SA302s, and they’re less flexible than other lenders. For newly self-employed clients, we may recommend alternatives.
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A: HSBC offers mortgages with as little as 5% deposit (95% LTV), depending on your credit history and property type. Better rates unlock at 10%, 15%, and 25%+ deposit levels.
A: Absolutely. They often include free legal work and valuations, making it easy to switch, especially if you’ve got clean credit and low LTV.
A: Yes — HSBC is now accessible through select intermediaries like Mortgage Knight, so you can get broker support and top-tier rates at the same time.
