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Switch your mortgage

We've made it easy to move your mortgage and take advantage of our latest rates

Move your mortgage with confidence

Easily transfer. Competitive rates. No bank fees. Three great reasons to talk to us about switching your mortgage today.

Switch & Save on your mortgage

Save thousands on upfront costs with our special mortgage offer. Plus, enjoy some of the lowest mortgage rates available on the island.

Available for new residential mortgage applications 1 April – 31 July 2024. Terms and conditions apply.

Benefits of switching your mortgage rate with HSBC

  • 5-year fixed mortgage rate
    Our fixed-rate mortgage allows you to lock in your interest and keep your repayments the same over a five-year period.
  • Specialist advice
    Your mortgage specialist will explain the types of mortgages available, to help you choose the one that could most suit you.
  • Low cost switching
    There are no bank fees to pay when switching your mortgage. Stamp duty is also reduced.
  • Premier account upgrade
    We'll automatically upgrade your account to Premier, if your mortgage is more than $1 million.

Before you apply to switch your mortgage

There's a few things you'll need to consider. Take a look at the information below.

Featured mortgages


A Residential mortgage is our standard product for buying a property in Bermuda.


We typically offer 60% to 80% financing, depending on the property value.

Maximum term of 30 years.


By borrowing $1 million or more, we'll upgrade you to an HSBC Premier account, giving you access to negotiated mortgage rates and a host of additional benefits.

Find out how to apply

Switching your mortgage with us is easy. First, you'll need to arrange an appointment with a member of our mortgages team. You can call us, visit your local branch or arrange a call back.

You'll be assigned a dedicated mortgage specialist who'll discuss your needs and let you know what you’ll need to do throughout your mortgage application.

By email

For general customer queries, pre-approval requests & documentation submission, you can email us at

In branch

Book an appointment in your local branch to speak with a specialist and start your application.

You might also be interested in


Before you switch your mortgage to HSBC, it's important to understand the potential costs you may incur.


Use our interactive tool to see how much you could borrow with HSBC.


Find out how we could support you in creating a property portfolio on the island of Bermuda.

Listening to what you have to say about our services matters to us.