HSBC 2 Year Term Tracker Standard
- Monthly payment
- Where this comes fromMethodThe repayment on £306,000 at 5.06% over 30 years, shown to the pound.SourceHSBC mortgage rates (the lender’s own page)ObservedLicencePublished by HSBCAs capturedInitial rate 5.06% (tracker, 2 years)As HSBC publishes it for buying a home at up to 90% loan to value; check it with HSBC before you apply.
- Initial rate
- Where this comes fromSourceHSBC mortgage rates (the lender’s own page)ObservedLicencePublished by HSBCAs captured5.06% tracker for 2 yearsAs HSBC publishes it for buying a home at up to 90% loan to value; check it with HSBC before you apply.
- APRC
- Where this comes fromMethodThe annual percentage rate of charge for this loan and term (FCA MCOB 10A), with the stated fees paid at completion and the variable rate assumed after the deal. HSBC’s own APRC for its example is 6.30%.SourceHSBC mortgage rates (the lender’s own page)ObservedLicencePublished by HSBCAs capturedInitial rate 5.06% (tracker, 2 years); then 6.24%, the lender’s variable rate today; Booking fee £999; Arrangement fee: not stated; Valuation fee: not stated; CHAPS fee: not stated; Cashback £0As HSBC publishes it for buying a home at up to 90% loan to value; check it with HSBC before you apply.
- Cost over 2 years
- Where this comes fromMethod24 monthly payments, plus the stated fees, less any cashback: what the initial period costs in all.SourceHSBC mortgage rates (the lender’s own page)ObservedLicencePublished by HSBCAs capturedInitial rate 5.06% (tracker, 2 years); then 6.24%, the lender’s variable rate today; Booking fee £999; Arrangement fee: not stated; Valuation fee: not stated; CHAPS fee: not stated; Cashback £0As HSBC publishes it for buying a home at up to 90% loan to value; check it with HSBC before you apply.
- Rate after the deal ends
- Where this comes fromSourceHSBC mortgage rates (the lender’s own page)ObservedLicencePublished by HSBCAs captured6.24%, the lender’s variable rate todayAs HSBC publishes it for buying a home at up to 90% loan to value; check it with HSBC before you apply.
- Monthly payment after the deal
- Where this comes fromMethodWhat is still owed after 2 years, repaid over the rest of the term at the lender’s variable rate today (6.24%); that rate can change.SourceHSBC mortgage rates (the lender’s own page)ObservedLicencePublished by HSBCAs capturedInitial rate 5.06% (tracker, 2 years); then 6.24%, the lender’s variable rate todayAs HSBC publishes it for buying a home at up to 90% loan to value; check it with HSBC before you apply.
- Fees
- Where this comes fromMethodThe fees the lender states, added; its page does not state: arrangement fee, valuation fee, chaps fee.SourceHSBC mortgage rates (the lender’s own page)ObservedLicencePublished by HSBCAs capturedBooking fee £999; Arrangement fee: not stated; Valuation fee: not stated; CHAPS fee: not stated; Cashback £0As HSBC publishes it for buying a home at up to 90% loan to value; check it with HSBC before you apply.Booking fee £999
- Early repayment charges
- Not available: not on the rates page
- Overpayments
- Not available: not on the rates page
- Product name
- 2 Year Term Tracker Standard
For your case: A repayment mortgage of £306,000 over 30 years, APRC 6.24%. Total amount payable over the full term £669,379, including fees of £999 (the fees the lender states). Repayments: 24 months of £1,654 at 5.06% (tracker), then 336 months of £1,871 at 6.24% (variable). Rates as HSBC published them on 12 Nov 2026; they are not guaranteed and may have changed by the time you apply.
