HSBC Deals

HSBC Deals & Discounts

48 hot deals
301°
Restaurants
HSBC/Firstdirect -Visa offers- £3 cashback on your next purchase of £8 or more- Costa
Another visa offer- £3 cashback on your next purchase of £8 or more at Costa. Just follow the link to register for being eligible. Ends on 06/10/2017. My be account specific
Latest commentsPost comment

Original Poster

whickerg10 h, 53 m ago

Is this a genuine offer? Not shown on HSBC site, and takes you to a web …Is this a genuine offer? Not shown on HSBC site, and takes you to a web domain hsbcuk. Not an actual HSBC link? Or am I just para about phishing sites?



You are a doubting Thomas dude

Doesn't let me register using my firstdirect card. Says enter a HSBC Visa.

Coffee is free in greggs and food is free there too and free muffin or donut

whickerg9 m ago

Is this a genuine offer? Not shown on HSBC site, and takes you to a web …Is this a genuine offer? Not shown on HSBC site, and takes you to a web domain hsbcuk. Not an actual HSBC link? Or am I just para about phishing sites?



It is. I received this offer from HSBC in my email on Sept.1.

Is this a genuine offer? Not shown on HSBC site, and takes you to a web domain hsbcuk. Not an actual HSBC link? Or am I just para about phishing sites?
349°
Groceries
HSBC/Firstdirect Visa offer- £10 back on your next purchase of £40 or more in Lidl and H&M
Good for those having a Visa card. £10 cashback on spending £40 in Lidl and H&M- follow the link and register your visa Card to get the offer. May be account specific
Latest commentsPost comment

better start using my visa card again thx op

Anyone know can I just go buy a £40 h&m gift card and still get the cashback?

My FD visa debit is rejected at registration

This was posted the other day, i got my confirmation through today for the £10 off £40 at lidl (using First Direct) dont know if this is still on the offers page though

Worked for me thanks OP.
Edited by: "kiepau" 12 h, 32 m ago

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250°
Freebies
Free NOW TV Sky Sports Day Pass with HSBC Advance account
I got an email off HSBC advising as I had an Advance account I could benefit from some extras including a free Now TV Sports Day Pass worth £6.99
Latest commentsPost comment

🏻

Missed out.

Does this stack on top of the last Now TV Sky Sports Day Pass deal here?: hotukdeals.com/dea…950

Where do you see this offer, online or in the app? Have a Premier account so hopefully should be able to get these?

Merlin0019 h, 37 m ago

How on earth have I had one of these accounts for about 8 years and never …How on earth have I had one of these accounts for about 8 years and never known these perks existed!


Coz so far they haven't - seems like a newish customer retention scheme

2IceCubes3 h, 42 m ago

I've got a spare code for someone to use. NOWNJRLC8393L8



cheers 2IceCubes - somebody grabbed it already

any other free Sports code going? please send me a personal message & I'll put it to a good use + £5 to the charity of your choice
332°
Personal Finance
Free £25 for getting HSBC Credit card. use it once in 60 days.
£25 cashback We are offering £25 cashback to new HSBC 32 Month Balance Transfer Credit Card customers who apply for this card by 1 October 2017 and use it to either spend or balance transfer at least … Read more
Latest commentsPost comment

thank you

picky66617 h, 50 m ago

i am sure you have to have an account with HSBC before you can get the …i am sure you have to have an account with HSBC before you can get the credit card!!



The website has a link to apply for "New to HSBC" customers and one for "Existing HSBC customers".

I would prefer amazon platinum credit card with £10 promotion and .5% cashback.
As soon as you have 1000 points you will get 10 voucher in amazon account.

Other nationwide and aqua reward give once in year cashback.

Applied. Thanks op

i am sure you have to have an account with HSBC before you can get the credit card!!
460°
Personal Finance
Get £200 when you switch and stay with HSBC Advance Current Account
Get £200 when you switch and stay with HSBC Advance Current Account New customers who open an HSBC Advance Bank Account will get £150 when using the Current Account Switch Service Get an extra £50 … Read more
Latest commentsPost comment

It says opening this would have access to 'share the experience programme' can I get £100 from being referred and the £150 for switching?

Snuffpig14th Sep

I had an HSBC account last year but switched away. Could I still apply for …I had an HSBC account last year but switched away. Could I still apply for this an be eligible for the £150?


No.

The offer is limited to one per customer or joint relationship on eligible HSBC Advance Bank Accounts and is only applicable to customers who are not existing HSBC current account holders on the date of application (and have not been since 1 January 2015 ). To be eligible for the HSBC Advance Bank Account you must be over 18 and pay in at least £1,750 into your account each month (or a minimum of £10,500 every six months) not including internal transfers. Applications are subject to status and internal checks.

RJ116 h, 31 m ago

Are previous HSBC customers who have benefited from their joining …Are previous HSBC customers who have benefited from their joining incentives previously eligible? Can't find anything to suggest otherwise


Unless you got the joining incentive before 1st Jan 2015, you are ineligible:

The offer is limited to one per customer or joint relationship on eligible HSBC Advance Bank Accounts and is only applicable to customers who are not existing HSBC current account holders on the date of application (and have not been since 1 January 2015 ). To be eligible for the HSBC Advance Bank Account you must be over 18 and pay in at least £1,750 into your account each month (or a minimum of £10,500 every six months) not including internal transfers. Applications are subject to status and internal checks.

alice1233311 h, 41 m ago

Yes I'd like to know that aswell..i sighned up 3 weeks ago know mention of …Yes I'd like to know that aswell..i sighned up 3 weeks ago know mention of cash back .still can't log onto see the benefits page free costa drink etc..


You are not eligible - you could try asking nicely but you might be referred to condition 1

The offer is limited to one per customer or joint relationship on eligible HSBC Advance Bank Accounts and is only applicable to customers who are not existing HSBC current account holders on the date of application (and have not been since 1 January 2015 ). To be eligible for the HSBC Advance Bank Account you must be over 18 and pay in at least £1,750 into your account each month (or a minimum of £10,500 every six months) not including internal transfers. Applications are subject to status and internal checks.

rooney1018 h, 54 m ago

Well , you need to put the amount of income requirement on the application …Well , you need to put the amount of income requirement on the application form to be approved £1750 can be made of many payments (or the same payment) bounced back as many times as you need to reach the £1750.


Over-declaring your income on a credit application form is fraud - I really wouldn't want to risk a CIFAS marker for the sake of £200.

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257°
Personal Finance
32 month 0% balance transfer, 0.6% fee, £25 cashback @ HSBC
Available to HSBC advance customers.
Latest commentsPost comment

Original Poster

Because it is for HSBC customers you may need to log in to see the deal

There's an advance card below, which has the 0.6% rate.

yeah my email said 0.6%

Original Poster

I noticed that... I would expect it is a website error... the email is quite clear.

I'm confused the link says 1.4% transfer fee?
706°
Personal Finance
2 year fixed rate mortgage @1.49%, no fees, 3 years @1.69%, 5 years @1.84%
Maximum LTV 60% Seeing as most people seemed to appreciate the First Direct deal, why not save an extra 0.1%? The 5 year fixed seems like a great option as it balances a cheap interest rate with a lo… Read more
Latest commentsPost comment

Does a joint application require a joint Hsbc advanced account?

othen4 h, 48 m ago

This is not going anywhere, but In just did a google search for 'interest …This is not going anywhere, but In just did a google search for 'interest only mortgage' and found lots available - even a list of the top 10 (from money.co.uk with good deals from HSBC, Barclays, Virgin and others), I've clicked on a few (randomly) and can't find any specific limitations regarding income or pension pots on any...I'm not doubting you in that it is probably more difficult to convince a lender that you will have a means of paying the loan back in 25 years than it would have been 30 years ago (when inflation and equity growth were much higher and we had not had a global recession in living memory), but I do think you are mistaken about there being hard and fast rules on incomes and pensions for this types of loan.I took out an interest-only loan (for a BTL) only 3 years ago and had no problem, I did have to show that I could pay it back from my investment account (which I could - easily) but there was no issue. I think lenders are (rightly) being cautious (and governments have told them they have to be) because too many people defaulted a decade ago - I think this is a good idea because I don't want my savings being used to fund someone who may then decide to default!Best wishes.

I'm in the process now. Nightmare! and our circumstances are better and we can prove we can pay off the 40% LTV Interest only mortgage we've had for 10 years. Good luck when you need to renew - goal posts have moved.

intermediaries.hsbc.co.uk/new…tml



Interest Only policy changeWith effect from the 11 February 2016 we are simplifying our Interest Only Mortgage eligibility criteria and will no longer restrict it to Premier customers only.

  • In order to be eligible for an Interest Only mortgage, a sole applicant must have a gross income in excess of £100,000 per annum.
  • For joint applications, at least one customer must have a gross income in excess of £100,000 per annum.
  • Overtime, bonuses, commission and rental income do not qualify as eligible sources of income.
  • All customers are eligible to apply for an Interest Only Mortgage provided they meet the above eligibility criteria.

paulrwarner10 h, 27 m ago

The criteria is on their websites before they know anything about your …The criteria is on their websites before they know anything about your circumstances. And the key word in my paragraph was 'realistic' criteria, maybe should have said competitive rates too!


This is not going anywhere, but In just did a google search for 'interest only mortgage' and found lots available - even a list of the top 10 (from money.co.uk with good deals from HSBC, Barclays, Virgin and others), I've clicked on a few (randomly) and can't find any specific limitations regarding income or pension pots on any...

I'm not doubting you in that it is probably more difficult to convince a lender that you will have a means of paying the loan back in 25 years than it would have been 30 years ago (when inflation and equity growth were much higher and we had not had a global recession in living memory), but I do think you are mistaken about there being hard and fast rules on incomes and pensions for this types of loan.

I took out an interest-only loan (for a BTL) only 3 years ago and had no problem, I did have to show that I could pay it back from my investment account (which I could - easily) but there was no issue. I think lenders are (rightly) being cautious (and governments have told them they have to be) because too many people defaulted a decade ago - I think this is a good idea because I don't want my savings being used to fund someone who may then decide to default!

Best wishes.

othen11 h, 44 m ago

Sorry, I will re-phrase that:Perhaps it might be a tiny bit difficult to …Sorry, I will re-phrase that:Perhaps it might be a tiny bit difficult to obtain a loan at a very preferential rate when the lender asks for a 40% deposit as security and the borrower has only 10%, but of course it would certainly be worth trying: perhaps turning up at his office wearing a smart suit and nice shoes and carrying a small gift ...

Now that's just so much more pleasant isn't it!!??
Edited by: "ivotedyes" 9th Aug
390°
Personal Finance
£60 Amazon.co.uk Gift Card plus a year of Prime Student with HSBC Student current account Editor
HSBC is offering a £60 Amazon.co.uk gift card plus a year of Prime Student (worth £39) to students or level 4+ apprentices in their first year of a qualifying course. You need to open an HSBC Studen… Read more
Latest commentsPost comment

Hi, I have applied for my student account using my pre-existing HSBC account. I just wondered what the steps are to getting the amazon perks, once being accepted. Thank you!

Thanks for this. Just applied!

sorted!

19DembaBa19

So what if your a college student



I found this on the website:

Courses which qualify must be full time or part time with a Disabled Students' Allowance.
Postgraduate degree (for example PHD, MBA, MSc, PGCE, MPhil, M.ED, M.ST, LL.M).
Undergraduate degree (for example BA, BSc, BEd, BN).
Diploma of Higher Education (DipHE).
- Business & Technical Education Council (BTEC). The following BTEC courses qualify:
- Higher National Diploma (HND)
- Higher National Certificate (HNC)
National Vocational Qualifications (NVQs) levels 4 and 5.
Foundation Degree - FDA (art based) or FDSc (science based) and/or subsequent one year full honours degree course.
Pre-registration or First Level Nursing and Midwifery Diploma.
Level 4+ Apprentice studying a Foundation, Bachelor's or Master's degree.
A foundation year which is an integral part of one of the courses listed above. We will need to see written proof of this, for example a letter from the college or university.
If there is any doubt whether a course qualifies, contact the university/college.

LuckSTA4 h, 55 m ago

From my experience, your 1) driving licence/passport 2)proof of address 3) …From my experience, your 1) driving licence/passport 2)proof of address 3) university welcome letter

So what if your a college student
316°
EXPIRED
Freebies
Wimbledon-Free Strawberries and Cream HSBC customers
If you're a HSBC customer then get free Strawberries and Cream by showing your bank card! No such thing as a free lunch! Not with HSBC's bank charges.
Latest commentsPost comment

It's funny, I posted this same freebie last year and it went cold!

Voted hot - hope those of you that are going have a fab time

Nice find, heat for "Not with HSBC's bank charges."

livid_chimp

Crap interest rates, but glad to see they're spending money on such … Crap interest rates, but glad to see they're spending money on such worthy causes like this instead...


Crap interest rates, but glad to see they're spending money on such worthy causes like this instead...

I got mine for free yesterday when I was at Wimbledon

gorgo2015

Paid for by the Mexican mafia? … Paid for by the Mexican mafia? http://www.rollingstone.com/politics/news/outrageous-hsbc-settlement-proves-the-drug-war-is-a-joke-20121213




Thanks for the link. I was wondering which bank is clean! They all do something thing which is unethical one way or another.
203°
EXPIRED
Personal Finance
HSBC Dual Credit Card 0% interest on purchases and Balance for 26 months*
0% interest on purchases for 26 months 0% interest on balance transfers for 26 months (2.89% fee, min. £5)* Applies on balances transferred within the first 60 days of account opening* No annual fee U… Read more
Latest commentsPost comment

LeahMinttoutou

For those that don't think this is a good deal can you put a comment as … For those that don't think this is a good deal can you put a comment as to why please. I'm looking for a 0% offer on credit card to buy daughters new bedroom furniture and a new cooker. The cold votes are putting me off getting this one.. thanks guys



Some people will always vote cold on credit card "deals" as they will save up and pay cash rather than taking on debt (and risk) by racking up a credit card bill. Mortgage is probably the only debt you could ever argue is "needed".

Original Poster

amour3k

OP .. HSBC DUAL Credit Card?.Does that mean that you get 2 Credit Cards … OP .. HSBC DUAL Credit Card?.Does that mean that you get 2 Credit Cards with this Deal then?, or ..... thanx.I don't get it?. :-)


It's one card

LeahMinttoutou

For those that don't think this is a good deal can you put a comment as … For those that don't think this is a good deal can you put a comment as to why please. I'm looking for a 0% offer on credit card to buy daughters new bedroom furniture and a new cooker. The cold votes are putting me off getting this one.. thanks guys



if you think the furniture is going to be around £2000 get the Amex which will give you £100 cashback minus £25 annual fee.

More credit card info here:
moneysavingexpert.com/cre…rds

OP .. HSBC DUAL Credit Card?.

Does that mean that you get 2 Credit Cards with this Deal then?, or ..... thanx.

I don't get it?. :-)

There are longer 0% deals on balance transfers - up to 41 months at the moment. On dual use 0% cards the Bank of Scotland group are doing 29 months.
232°
Personal Finance
HSBC Advance Account. Free £150 to switch PLUS £50 if you stay, though high min pay-in
From mse Open and switch to HSBC's Advance Account* and you'll get £150. And if you stay for a year, you'll get a further £50 bonus - you can earn slightly more overall with the TSB account below but… Read more
Latest commentsPost comment

Original Poster

Back on

Anon322 h, 39 m ago

£150 paid today just needed for new heating system! Worth it for just …£150 paid today just needed for new heating system! Worth it for just changing banks it fuctions the same as the ts


Yup. Mine paid today too, took a while but I presume they do it once a month in batches.

Original Poster

iAmLegendFam24th Aug

My account switched on the 27th July, still no money. Did you complete it …My account switched on the 27th July, still no money. Did you complete it before me?


£150 paid today just needed for new heating system! Worth it for just changing banks it fuctions the same as the ts

Original Poster

Mine switched 14th of aug. As soon as it comes in i'll let people know

I completed my switch on 11th July
697°
EXPIRED
Personal Finance
HSBC Fixed Rate Mortgages 2yrs 1.14%, 3yrs 1.44%, 5yrs 1.69% Booking fee from £749 (60% max ltv)
New HSBC mortgage rates with lowest 5 year fixed rate on the market. Maximum LTV of 60% required and £749 booking fee for advance/premier customers or £999 for standard. 2Yr Fixed Advance @ 1.14% 3Y… Read more
Latest commentsPost comment

Just did mine 3 year 1.74 no fee i think it was

I am a 64 year old pensioner stuck on a 3.45 per cent mortgage (fixed term finished ages ago) with about 50 per cent ltv ....any ideas who I can remortgage with?

Nervous of going through too many credit checks

Thanks jane

a fee, for wha

Sorry it's a bit off topic. I'm in a process of selling my current property and moving to a new build. Looking for a good mortgage rate with 75% LTV. Any advice, opinions, recommendations?

Thanks golo83 very much appreciated. At least I know it's possible, I will speak to them about it. I may even have a chat to a broker to. Thank you
396°
EXPIRED
Personal Finance
HSBC Credit Card £50 Cashback Offer 32 months fairly low fee of 1.4%!
A new balance transfer card pays off existing store/credit card debt, so you owe it instead but at 0% - and it helps you get debt-free quicker, as repayments cover debt, not interest. Via our link, th… Read more
Latest commentsPost comment

I have the promise of it now, 2 months, June. I also had to transfer monies up to £1500 to be eligible, which of course incurred more fees but I still work out a profit of about £30 so worth the hassle, especially if you require the 0%. Use the link of this page as reference if needed.

jobibear

They admit it today, had to transfer more money to get the cash back.... … They admit it today, had to transfer more money to get the cash back.... And wait.



How did you get on with this? I had the same. on the phone to Indian call centre for around an hour. They are claiming I should have been re-directed to another site to complete additional info and without this not eligible. I was promised a call back a obviously not happy but no call.

They admit it today, had to transfer more money to get the cashback.... And wait.

HSBC deny they ever had this offer. I'm on the phone to them later to give them this link.

willllllllll

How long has the application process taken for anyone that's applied? … How long has the application process taken for anyone that's applied? Told me up to 10 working days!


Sounds like your application has been referred for further checks and wasn't automatically processed.

Does anyone know if the balance transfer fee is interest free, or does this have to be paid off?
717°
EXPIRED
Personal Finance
New HSBC Fixed Rate Mortgage Rates - 2yr @ 1.24% 3yr @ 1.44% 5yr @ 1.79%
HSBC have just revised their mortgage rates. I'm in the process of switching and this may well change my mind on which product to go for. Current deals I'm considering (60% LTV) with HSBC Advance Acc… Read more
Latest commentsPost comment

whatyadoinsucka

Depends how big your mortgage is, may be cheaper to take a fee free at … Depends how big your mortgage is, may be cheaper to take a fee free at 1.94% 5 year with HSBC



Only 60k - 60% LTV?

ruheluddin86

Tesco have 1.78% BTL 5 year fixed, fees £1020. Is that a good deal!?


Depends how big your mortgage is, may be cheaper to take a fee free at 1.94% 5 year with HSBC

Tesco have 1.78% BTL 5 year fixed, fees £1020. Is that a good deal!?

Mada06

This takes some beating: … This takes some beating: https://www.moneysavingexpert.com/mortgages/best-buys/



That's a great article! My link was supposed to direct you to a calculator showing what you end up paying depending on the year of terms/interest/fees etc. I'll try editing the link with the correct webpage.

Now they taken the product fees off this deal deserves the heat it attracted.
283°
EXPIRED
Personal Finance
HSBC Credit card - £25 cashback offer
Until the 28th Feb, HSBC are offering £25 cashback if you apply for an HSBC Credit Card and use the credit card for either a purchase or a balance transfer within 60 days of opening the credit card ac… Read more
Latest commentsPost comment

Haryrams77

Did you had to specify your current/savings account for the credit to … Did you had to specify your current/savings account for the credit to come in. I applied online today.



I already had a current account with them. When I signed up I selected that for the Direct Debit, and I think terms of the offer stated they'd pay the £25 into your HSBC current account if you had one (which they did). I can't remember how it worked otherwise, perhaps it's the account you set for your Direct Debit.

morgie

Received the £25 in my current account today, just before my credit card … Received the £25 in my current account today, just before my credit card payment is due. Thanks again to the OP, was a simple £25.



Did you had to specify your current/savings account for the credit to come in. I applied online today.

Received the £25 in my current account today, just before my credit card payment is due. Thanks again to the OP, was a simple £25.

Card arrived today, 3 days after applying, thanks again OP. Confirmed, not contactless.

coss9

I've read somewhere unused credit goes against your credit rating - if … I've read somewhere unused credit goes against your credit rating - if you don't use it, get rid of it.



Not true. However, if you apply for a mortgage, major loan etc some take into account how much you could owe if you maxed out the cards. Therefore, you may get offered slightly less for a mortgage as your outgoings would be higher with a maxed out card.
557°
EXPIRED
Personal Finance
Get £10 cashback when you use Android Pay [HSBC]
£10 Cashback for using Android Pay with HSBC. Not sure if this is account specific but worth checking if you're with HSBC. Early bird or reluctant riser? Either way, here's something to get your day … Read more
Latest commentsPost comment

flyingflea

Nope, today is the 60th day and no tenner in my account



Got mine now - arrived in the account a week or so ago.

Zanderman

Anyone got their tenner yet? Still nothing on my account.The original t&c … Anyone got their tenner yet? Still nothing on my account.The original t&c say "The £10 cashback will be credited to your HSBC Current Account within 60 days of the Promotion Period ending."Which would be about the end of February.


Nope, today is the 60th day and no tenner in my account

Anyone got their tenner yet? Still nothing on my account.

The original t&c say "The £10 cashback will be credited to your HSBC Current Account within 60 days of the Promotion Period ending."

Which would be about the end of February.

completely forgot about this, but did anyone receive their cashback? cause i didn't, but it did make me use android pay with my hsbc card

Didn't get, very funny
1191°
EXPIRED
Personal Finance
5 Year fixed mortgage 1.84% at HSBC
1.84% if u have 60% loan to property value. Worth a look if remortgaging soon. There is a £999 booking fee. There is also an option at 1.99% with no booking fee.
Latest commentsPost comment

I'm looking for a 5 year deal and thinking of paying to get out of current deal which expires around the time of brexit. I don't really like the thought of looking for a mortgage around this time with all of the uncertainty.

Go Jets

Mine finished last year, just started to relax now got one for my … Mine finished last year, just started to relax now got one for my daughter who, like most, struggles to "get on the ladder"



Should have got bunk beds as a child, makes good ladder practice.

pantaiema

Could anyone else please confirm this information ??I am HSBC advance … Could anyone else please confirm this information ??I am HSBC advance customer with two years fixed rate. If I switch my mortgage eve to HSBC, I will still need to pay ERC.



Read your current contract to see if you will pay ERC.

could anyone suggest me; I am moving my remortgage application to HSBC now. but in the document they are asking for witness. should i need to get witness for remortgage..if yes who can do this? Thanks

we are about to sell and buy. the solicitor we have picked refuses to deal with HSBC mortgages saying they impose unnecessary charges.
417°
EXPIRED
Personal Finance
HSBC 10 Year Fixed Fee-Free Mortgage - 2.49% - Max 65% LTV
HSBC have further reduced their 10 year fixed mortgage rate down to 2.49%. Appears to be open to all mortgages provided your LTV is 65% or greater. Seems to have only just been changed, as mortgage … Read more
Latest commentsPost comment

Original Poster

HangTime

Has this been pulled?



As of 06 Dec yes, they now offer 2.99% for 10 years. It appears it is due to the mortgage swap rates increasing across the globe.

Has this been pulled?

nice find

Master G

"LOOONNG story short" So pleased you didn't give us the LOOONNG … "LOOONNG story short" So pleased you didn't give us the LOOONNG version. oO



​That was the long version I was just recapping the long story at the end

andy1989

HSBC whilst offer the lowest rates are absolutely awful to deal with … HSBC whilst offer the lowest rates are absolutely awful to deal with regarding mortgages. Slowest bank ever.They are the cheapest for a reason.



​In the end you have to see what suits your interests best. For a little hassle lasting few hours, it's worth saving nearly 0.5 to 0.7% of a life time tracker mortgage that might last for beyond 39y. Savings really add up which is easily demonstrated using mortgage calculators for capital repayment mortgages.

HSBC are thorough vetting mortgage applications and went through expenses and income etc like a comb. Hence why they didn't need Govt bail outs unlike RBS et all.

Previously had access to RBS fixed staff rate mortgages but didn't accept that and instead got a life time tracker from HSBC. Best decision I ever made refusing staff RBS mortgage and going with HSBC.
102°
EXPIRED
Personal Finance
Get £200 when you switch and stay with HSBC Advance
Open a new HSBC Advance or HSBC Premier Account and get £150 when you switch with a minimum of 2 Direct Debits or Standing Orders using the Current Account Switch Service within 30 days of opening you… Read more
Latest commentsPost comment

Ending soon.

moneywise.co.uk/new…sbc (seemingly the £1750 doesn't need to be from one payment i.e. wages)

or over the phone. thanks for the help.

or over the phone

Yes but the switching process with HSBC has to be completed in branch for some reason. don't know why? I'm convinced (not 100% sure for definite) they will ask about earnings then.
619°
EXPIRED
Personal Finance
10 year fee-free fixed mortgage 2.64% - 65% LTV
HSBC had, and still has, a deal for 10 year fixed rate fee-saver mortgages at 70% LTV for 2.79% (see link below): http://www.hotukdeals.com/deals/10-year-fixed-rate-mortgage-2-79-max-ltv-70-0-booking… Read more
Latest commentsPost comment

paypeanuts

I've regretted every long-term fix I've ever taken out as they've never … I've regretted every long-term fix I've ever taken out as they've never worked out cheaper than, say, a base rate tracker. Avoid them, kids.



​I guess your regrets will be over soon as the swap rates increased and mortgage rates at increasing across the board now

Who'd mortgage a house when you can just buy it?????

adamsxi

Not quite win win if interest rates go up during the term


Agreed win/win is too positive a comment, but If interest rates go up, new fixes also go up well above a base rate tracker, so overall a base rate tracker will always be cheaper, no setup fees every couple of years for a start , yeah you may strike lucky with a low fix when rates rapidly rise, but the banks ain't stupid, it's all factored in to their current offerings and base rate ain't going nowhere for the time being..
The majority of trackers are unlimited payments too and can be paid off without yet more fees
Edited by: "whatyadoinsucka" 17th Sep 2016

lanc1979

​The proverbial "you" ie average Joe, not you as Franken.I don't know the … ​The proverbial "you" ie average Joe, not you as Franken.I don't know the amount of your mortgage so can't do maths on yours, just the product which is a very good product as long as the mortgage amount is greater than 120,000 ish. Anything below 120,000 would be cheaper on a fee free mortgage.



Will have 108500 left on mortgage when my current deal runs out. Curerntly would be able to get 1.84% on 2 year no fee and plan on continuing to pay 700 a month no matter what.. Still works out cheaper imo but haven't worked out the finer details so you may be correct. A lot can and probably will change by next July when my current deal expires.
Edited by: "Franken" 17th Sep 2016

Franken

Your maths must be different from my maths then. Currently paying 194 on … Your maths must be different from my maths then. Currently paying 194 on average in interest each month on a 1.99% deal. So halving that to 0.99% means I'm saving 97 quid per month on interest x 24 months = 2328 overall - 1499 fee = profit?



​The proverbial "you" ie average Joe, not you as Franken.
I don't know the amount of your mortgage so can't do maths on yours, just the product which is a very good product as long as the mortgage amount is greater than 120,000 ish. Anything below 120,000 would be cheaper on a fee free mortgage.

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