HSBC UK is reducing rates across a broad selection of residential and buy-to-let mortgage products from 3 June 2026.

The lender has announced rate reductions across its existing customer, first-time buyer, home mover, remortgage and buy-to-let ranges, alongside selected international mortgage products.

Changes apply to a wide range of fixed rate mortgages, including two-year, three-year, five-year and 10-year products at various loan to value (LTV) bands.

Within the residential market, reductions have been made across products for first-time buyers, home movers and remortgage customers. The changes also extend to HSBC’s energy efficient mortgage products for properties with EPC ratings of A or B.

HSBC is also amending its cashback offering across its first-time buyer range as part of the latest update.

Existing customers will benefit from reductions across switching and further borrowing products, including fixed rate Fee Saver, Standard and Premier Exclusive mortgages.

In the buy-to-let sector, rate reductions have been applied across purchase, remortgage and existing customer borrowing more and switching products. Selected energy efficient buy-to-let mortgages have also been repriced.

The lender has also reduced rates on a number of international residential, remortgage and buy-to-let products.

HSBC said there are no further changes to any other mortgage rates at this time.

Applications submitted in full by midnight on 2 June 2026 will be able to secure existing product codes before the new pricing takes effect. The updated rates will be reflected in sourcing systems and HSBC’s product finder from 3 June.