HSBC Fee Free Mortgages LTV75% FIXED RATES 2 year 1.99% // 3 year 2.09% // 5 year 2.14%
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HSBC Fee Free Mortgages LTV75% FIXED RATES 2 year 1.99% // 3 year 2.09% // 5 year 2.14%

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Refreshed 28th Jul (Posted 28th Jul)
Some good deals, as always if you cannot manage your banking / make payments on time have a poor credit history then look elsewher
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2 year fix, no fees, is cheaper at first direct. 1.89% and LTV 80%
Edited by: "ministrymason" 28th Jul
terayon0030 m ago

Is there a mortgage comparison site any known of?


Have you ever heard of Google.... Literally just Google "mortgage comparison"
58 Comments
You posted the same thing 5 minutes ago?
Duplicate post
sjm19833313 m ago

Duplicate post


In that case I will press heat duplicated
sjm19833328 m ago

Duplicate post


Deleted it failed to post so had to restart then it magically reappeared
2 year fix, no fees, is cheaper at first direct. 1.89% and LTV 80%
Edited by: "ministrymason" 28th Jul
Is a 5 year fixed at 1.89% with £999 fee through Natwest for 38% LTV good?
Their new app is horrendous
I've just remortgaged with Barclays, 2 year fixed at 1.91%, no fee. Not sure on the LTV though tbf.
paza12327 m ago

Is a 5 year fixed at 1.89% with £999 fee through Natwest for 38% LTV good?


Depends how big you mortgage is sometimes it’s better to pay a higher interest rate with no fee, the fee equates to £200 a year, so on a £50k mortgage it’s 0.4 of a 1% ie 2.29% or 2.09% on £100k (simple maths used)
863luke7 m ago

I've just remortgaged with Barclays, 2 year fixed at 1.91%, no fee. Not …I've just remortgaged with Barclays, 2 year fixed at 1.91%, no fee. Not sure on the LTV though tbf.


Loan to value if you have a £100k valued house and a mortgage remaining of £75k (ie 25% equity paid off) LTV is 75%
Has anyone spotted a decent deal on a 5 year fix? Been looking for the last couple of months at first direct...seems their 5 year fix was recently 1.89%, then 2.04, now it's 2.29! Can't keep up!
whatyadoinsucka14 m ago

Depends how big you mortgage is sometimes it’s better to pay a higher i …Depends how big you mortgage is sometimes it’s better to pay a higher interest rate with no fee, the fee equates to £200 a year, so on a £50k mortgage it’s 0.4 of a 1% ie 2.29% or 2.09% on £100k (simple maths used)


Its a mortgage of £160k and I have an LTV of 38% for the purchase of a property worth £422,500? Cheers in advance.
5 Year fixed... Try Coventry Building society
whatyadoinsucka1 h, 34 m ago

Deleted it failed to post so had to restart then it magically reappeared


As did Harry Potter when he removed his Cloak of Invisiblity

...... The Scoundrel!
I took out a 10 year fixed with HSBC for 2.39% this year for anyone wanting more certainty.
No fees whatsoever either.
Heat added, but their lending criteria is an assault course - obviously individual circumstance is the drive here, but they are not an easy lender.
We got a 90% LTV from HSBC at 1.99% a couple of weeks ago. Their rates go up and down like a yo-yo
dannyjones1064 h, 10 m ago

Has anyone spotted a decent deal on a 5 year fix? Been looking for the …Has anyone spotted a decent deal on a 5 year fix? Been looking for the last couple of months at first direct...seems their 5 year fix was recently 1.89%, then 2.04, now it's 2.29! Can't keep up!



1.89% Thats what I got before it gone up, happy days.
BOE might increase base rate next week, not sure how this will play out on mortgage deals
escortboy5 h, 15 m ago

I took out a 10 year fixed with HSBC for 2.39% this year for anyone …I took out a 10 year fixed with HSBC for 2.39% this year for anyone wanting more certainty.No fees whatsoever either.


One thing to watch with this is you usually find a redemption penalty should you wish to remortgage eg to move or to release some equity later on to make improvements. We have a 5 year deal which ends in September and could have done with remortgaging two years ago but had to take out a personal loan for house improvements. Lesson learned. Moving to a 2 year fix. 10 years is a long old time to tie yourselves in.
Is there a mortgage comparison site any known of?
terayon0030 m ago

Is there a mortgage comparison site any known of?


Have you ever heard of Google.... Literally just Google "mortgage comparison"
Just my 2c - when we innevitably crash hard out of the EU next year, you're looking at interest rates being basically zero for the next 10 years and you'll be kicking yourself if you're stuck on 2% fixed.

Not that it matters much if you're stuck in 20% negative equity....
paza1237 h, 24 m ago

Is a 5 year fixed at 1.89% with £999 fee through Natwest for 38% LTV good?


You can do better for such a low LTV
moneychop30 m ago

You can do better for such a low LTV


such as?
moneychop31 m ago

You can do better for such a low LTV


That was through L and C broker, please do share what else would be better for a 5 year fix?
Here does another finanical bungie. When this will just. Such a responsible lehdet. Not!
Just got a 5 year fixed from Nat West @2.09 % - 0 fees. Went through broker London & Country.
I'm stuck in a fixed rate for another 3yrs...is it worth me moving across or would i lose out with penalties?
DominicPTS2 h, 13 m ago

One thing to watch with this is you usually find a redemption penalty …One thing to watch with this is you usually find a redemption penalty should you wish to remortgage eg to move or to release some equity later on to make improvements. We have a 5 year deal which ends in September and could have done with remortgaging two years ago but had to take out a personal loan for house improvements. Lesson learned. Moving to a 2 year fix. 10 years is a long old time to tie yourselves in.


I’m not sure that’s entirely true. If you remortgage with someone else then obviously you would pay the penalty. If you move house you can port the mortgage so you wouldn’t repay it. And finally if you need to release equity for home improvements, you wouldn’t rehash the original loan, you take a second loan that sits beside it and you could have this on a different type of rate, term etc. I’m with HSBC for my mortgage and I’m about to release equity for an extension which is how I know this.
I changed product with HSBC last month - the earliest it could be done in advance if my five year rate. Someone mentioned yo-yoing rates, but they only seem to be going upwards right now.

HSBC are certainly not the easiest to get a mortgage with in the first place. Though for getting a new product at the end of the term, it it was very easy. In our case it was all online, they just used the indexed property value and did no further underwriting.

If unsure whether to commit to a rate for a reproduct, I found you could go through the online process and get an offer letter valid for 14 days or so. If rates get better in that time, you could back out. We waited the two weeks, found nothing better so did the online agreement and paid the fee then.

Our mortgage was split into two parts. The part ported from our old house and on the same terms as that old loan (tracker of base +0.38% - keen to keep that, but it only has five years left now) and the part from buying this house now getting to the end of the 5 year term. We only had to reproduct the second part.
DominicPTS3 h, 46 m ago

One thing to watch with this is you usually find a redemption penalty …One thing to watch with this is you usually find a redemption penalty should you wish to remortgage eg to move or to release some equity later on to make improvements. We have a 5 year deal which ends in September and could have done with remortgaging two years ago but had to take out a personal loan for house improvements. Lesson learned. Moving to a 2 year fix. 10 years is a long old time to tie yourselves in.


Yeah, I agree with this,
raising money aside, locking in for longer is probably wiser in this current climate, they are unlikely to fall any lower due to the uncertainty
Even if they do fall I doubt it will be significant.

The last 15 years or so they have been falling, and you could tell that by the market. In which case it was wise to only lock in for 2 years
DominicPTS3 h, 46 m ago

One thing to watch with this is you usually find a redemption penalty …One thing to watch with this is you usually find a redemption penalty should you wish to remortgage eg to move or to release some equity later on to make improvements. We have a 5 year deal which ends in September and could have done with remortgaging two years ago but had to take out a personal loan for house improvements. Lesson learned. Moving to a 2 year fix. 10 years is a long old time to tie yourselves in.

It's a good deal but as an ex mortgage advisor I hate seeing mortgage deals posted here because genuinely most people don't make the right choice when they go execution only. Just seeing a deal here (it is a good deal) doesn't mean it's the best available or the right one for you. Some of the questions on this thread scare me
escortboy9 h, 53 m ago

I took out a 10 year fixed with HSBC for 2.39% this year for anyone …I took out a 10 year fixed with HSBC for 2.39% this year for anyone wanting more certainty.No fees whatsoever either.


This is now 2.49% (same with First Direct). Just signed up to it myself as I’m a sucker for ‘knowing what I’m paying’.

Even if BoE interest rates drop there’s still an added % for the lender to actually make some ££. So reality suggests they can’t go much lower, especially on such a ‘long’ fix.

I’m no expert but I’ve done all my maths and I’m happy that the monthly outgoings are affordable. If the rate did drop to 1.49% for example, then it’d be the equivalent of £50 a month. For peace of mind that’s a risk/gamble I’m prepared to take.
Edited by: "Vini" 28th Jul
seancharles1 h, 4 m ago

It's a good deal but as an ex mortgage advisor I hate seeing mortgage …It's a good deal but as an ex mortgage advisor I hate seeing mortgage deals posted here because genuinely most people don't make the right choice when they go execution only. Just seeing a deal here (it is a good deal) doesn't mean it's the best available or the right one for you. Some of the questions on this thread scare me


Possibly because people have limited financial knowledge, I met a few mortgage advisors around 10 years ago they were damn useless didn’t listen and advised the totally wrong product, thankfully went to see a friend of a friend MA and he knew what he was doing , he said get a lifetime tracker from hsbc it was a wise choice
ministrymason11 h, 41 m ago

2 year fix, no fees, is cheaper at first direct. 1.89% and LTV 80%


Got a link for that?
1.94% fixed 2 years with 81.95% LTV with Co-op (t/a Platform) through LandC. No fees and £250 cashback.
First time using a broker and would definitely use LandC again.

Not voted either way as this mortgage jizz still gives me such a headache, I can see my deals better but the deal also looks good!
Just when I start looking for a mortgage knowing I probably have to wait 2 years for my credit rating to improve, everyone starts posting mortgage deals!
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