Our latest mortgage rates
Whether you're looking to remortgage, buy a property or switch to HSBC from another provider, we've got a range of products available. Browse our latest rates to find what could be right for you.
Our rates
The following rates are available for new and existing HSBC customers.
It's worth considering what your Loan to Value (LTV) will be. Your LTV is the ratio between the amount of the loan you take out and the value of your property as a whole, as a percentage.
Residential
Interest on a BMD Mortgage is calculated on the basis that there are 365 days in the year. (Except for a leap year where there are 366).
Use our calculator to find out how much you could borrow.
| Type | Loan to Value (LTV) | Maximum term | Repayment | Total rate |
|---|---|---|---|---|
| Premier | Up to 80% Loan to Value | 30 years | Principal and interest | 6.49% |
| Advance | Up to 80% Loan to Value | 30 years | Principal and interest | 6.75% |
| Personal | Up to 80% Loan to Value | 30 years | Principal and interest | 6.75% |
| Type | Premier |
|---|---|
| Loan to Value (LTV) | Up to 80% Loan to Value |
| Maximum term | 30 years |
| Repayment | Principal and interest |
| Total rate | 6.49% |
| Type | Advance |
| Loan to Value (LTV) | Up to 80% Loan to Value |
| Maximum term | 30 years |
| Repayment | Principal and interest |
| Total rate | 6.75% |
| Type | Personal |
| Loan to Value (LTV) | Up to 80% Loan to Value |
| Maximum term | 30 years |
| Repayment | Principal and interest |
| Total rate | 6.75% |
Home equity loan
A home equity loan is suitable if you want to borrow a specific amount over $30,000 BMD, with the comfort of regular monthly payments.
| Home equity | Maximum term | Repayment | Total rate |
|---|---|---|---|
| Loan | 30 years | Principal and interest | 6.25% |
| Home equity | Loan |
|---|---|
| Maximum term | 30 years |
| Repayment | Principal and interest |
| Total rate | 6.25% |
Construction loans
A Construction loan gives you the opportunity to make interest-only payments while your property is under construction, usually up to a maximum of one year.
| Type | Loan to Value (LTV) | Maximum term | Repayment | Total rate |
|---|---|---|---|---|
| Premier | Up to 80% | 30 years | Principal and interest | 6.5% |
| Advance | Up to 80% | 30 years | Principal and interest | 6.75% |
Personal |
Up to 80% |
30 years |
Principal and interest |
6.75% |
| Type | Premier |
|---|---|
| Loan to Value (LTV) | Up to 80% |
| Maximum term | 30 years |
| Repayment | Principal and interest |
| Total rate | 6.5% |
| Type | Advance |
| Loan to Value (LTV) | Up to 80% |
| Maximum term | 30 years |
| Repayment | Principal and interest |
| Total rate | 6.75% |
| Type |
Personal |
| Loan to Value (LTV) |
Up to 80% |
| Maximum term |
30 years |
| Repayment |
Principal and interest |
| Total rate |
6.75% |
Fixed-rate mortgages
We offer a 5-year fixed-rate mortgage that will lock in your rate and payments over a 5 year period. Locking in your rate gives you the peace of mind that no matter what happens, your payments will not change for the next 5 years.
For details please make an appointment with an HSBC Personal Banker at 299-5959 or contact your Relationship Manager today.
Things to know before you apply
- HSBC Bermuda's current BMD base rate for personal banking customers is 4%
- all rates are subject to change without notice
- preferential mortgage and loan rates may apply
Find out how to apply
Starting your journey to becoming a homeowner with us is easy. First, you'll need to apply for a pre approval. We can usually process this on the same day you apply.
Once your pre-approval is confirmed, our dedicated mortgage specialists will guide you through the rest of your application.
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