Fixed rate mortgage loans: Full details | HSBC
Lock in a low rate with a fixed-rate mortgage loan from HSBC
A fixed-rate mortgage can be a great choice if you want to establish a stable mortgage budget throughout the lifetime of your loan. With a fixed rate, the rate at the close of the loan is locked in so you know what your monthly payment1 will be, every single month, with no surprises.
With HSBC, you may qualify for up to $417,000 in financing for a single-family residence. You'll have the flexibility of selecting a 10 to 30 year financing term† - so you can choose the mortgage that fits your budget.
You can easily find mortgage rates in your area.
Simplify your move abroad
Whether you're moving abroad for professional reasons or simply enjoy having a home outside of the U.S., an HSBC Advance relationship2 can help you get settled financially in over 40 countries and territories worldwide.
As an HSBC Advance client you are eligible for 50% off our international account opening services to help make establishing a new home abroad less stressful. Prior to moving, our International Banking Center will provide you with global financial relocation services including:
- Overseas account opening assistance before you leave the U.S. (subject to local terms and conditions)
- Seamless transfer of your HSBC credit history
Mortgage calculators and advice
If you have questions about mortgages, these easy-to-use, complimentary tools might be of service:
To find the rates in your local area, use this handy tool.
HSBC Premier benefits
An HSBC Premier relationship3 may enable you to receive preferred pricing4 on mortgages, in addition to all the other benefits that come with HSBC Premier banking. To learn more about mortgage options for HSBC Premier clients, visit the HSBC Premier Mortgage page.
View payment examples †
1 Your monthly payment applies to principal and interest only. If you have an escrow account, your escrow payment for taxes and insurance may change.
2 When interest-only payments are made for a period of time, the principal balance of the loan does not decrease. When principal and interest payments commence, the monthly payment will increase substantially. Click here * for more information regarding Interest Only Loans.
2 To qualify for an HSBC Advance relationship, you need to open an HSBC Advance checking account and maintain combined U.S. personal deposit and investment balances of at least $10,000 OR at least $5,000 with a recurring direct deposit from a third party to an HSBC Advance checking account at least once per monthly cycle. Business owners may use their HSBC commercial balances to qualify for a personal HSBC Advance relationship. A monthly maintenance fee of $25 will be incurred if minimum balance or minimum balance with direct deposit requirement is not met.
3 To qualify for an HSBC Premier relationship, you need to open an HSBC Premier checking account and maintain $100,000 in combined U.S. personal deposit and investment balances. A monthly maintenance fee of $50.00 will be incurred if minimum balance requirements are not maintained.
4 Discounts and loan amount depend on specific program and may require certain Premier balances, reserves, equity and automatic payment from a Premier checking account.
United States persons (including U.S. citizens and residents) are subject to U.S. taxation on their worldwide income and may be subject to tax and other filing obligations with respect to their U.S. and non-U.S. accounts - including, for example, Form TD F 90-22.1 (Report of Foreign Bank and Financial Accounts ("FBAR")). U.S. persons should consult a tax adviser for more information.
Mortgage and home equity products are offered in the U.S. by HSBC Bank USA, N.A. Subject to credit approval. Borrowers must meet program qualifications. Programs are subject to change. Geographic and other restrictions may apply. Discounts can be cancelled or are subject to change at any time and cannot be combined with any other offer or discount
Deposit products offered in United States by HSBC Bank USA, N.A. Member FDIC.
* Viewing PDF files require the use of Adobe Acrobat Reader. If you do not already have Adobe Acrobat Reader, you can download it online. After downloading the software, follow the instructions for installing the program. If you prefer, you can always download the files now and open them offline later.
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Equal Housing Lender.
|†† Investments, Annuity and Insurance Products:|
|ARE NOT A BANK DEPOSIT OR OBLIGATION OF THE BANK OR ANY OF ITS AFFILIATES||ARE NOT FDIC INSURED||ARE NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY||ARE NOT GUARANTEED BY THE BANK OR ANY OF ITS AFFILIATES||MAY LOSE VALUE|
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