HSBC UK is reducing rates and broadening its product suite for both residential and buy-to-let borrowers.

The refresh covers a wide range of fixed-rate options, including products for existing customers, first-time buyers, home movers and landlords, as well as those purchasing or remortgaging energy-efficient properties.

For residential borrowers, HSBC has adjusted pricing across its two and five-year fixed Fee Saver and Standard ranges at 60%, 70% and 75% loan-to-value (LTV), with selected higher-LTV products available up to 95% for first-time buyers and home movers.

The lender has also extended its Premier Exclusive products for customers with HSBC Premier accounts, offering preferential rates at up to 90% LTV.

Energy-efficient homebuyers and remortgagers will continue to benefit from dedicated ranges for properties with an A or B EPC rating. These products, which sit within HSBC’s wider sustainability strategy, feature both cashback and non-cashback options at the same LTV tiers as the core residential range.

In addition to the UK products, HSBC has updated its international mortgage offering, covering both residential and buy-to-let borrowers. The changes include new two and five-year fixed Fee Saver and Standard rates, with LTVs up to 75% on residential loans and up to 65% on buy-to-let.

Premier Exclusive options are also available for eligible customers.

The bank said its Premier mortgage rates remain accessible only to existing HSBC Premier current account holders. Customers must have opened a Premier account before completion in order to secure the preferential rate.