Fixed rate mortgage loans: Full details | HSBC

Fixed Rate Mortgages

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Lock in your rate with a fixed rate mortgage

A fixed-rate mortgage can be a great choice if you want to establish a stable mortgage budget throughout the lifetime of your loan. At closing, the rate of the loan is locked in so you know what your monthly payment will be every single month.

With a conforming loan, you may qualify for up to $417,000 in financing for a single-family residence. You'll also have the flexibility of selecting a 15 to 30 year financing term - so you can choose the mortgage that fits your budget.

Additional financing may be available if you upgrade to an Advance1 or Premier2 relationship and obtain an Advance Deluxe3 or Premier Deluxe4 Mortgage.

Mortgage calculators and advice

Purchasing a home is a big decision. You can make the planning process easier with these helpful mortgage calculators.

Ready to get started?

If you're ready to get started or want to learn more, request a callback, visit a branch or call 866.731.4722.

View payment examples

1 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.

2 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. Business owners may use their commercial balances to qualify for personal an HSBC Premier relationship. A monthly maintenance fee of $50.00 will be incurred if minimum balance requirements are not maintained.

3 To be eligible for an Advance Deluxe Mortgage, you must: (1) be an Advance relationship customer with an U.S. Advance checking account; and (2) have combined U.S. personal deposit and investment balances of at least $10,000 at any member of the HSBC Group located in the U.S. The Advance balances must be fully funded before the closing of the mortgage loan. To learn more about the Advance relationship requirements contact your local HSBC branch or call 844.374.9016.

4 To be eligible for an HSBC Premier Deluxe Mortgage, you must: (1) be an HSBC Premier relationship customer with an U.S. Premier checking account; and (2) have combined personal deposit and investment balances of at least $100,000 USD or equivalent at any member of the HSBC Group (in the U.S. or home country). The Premier balances must be fully funded before the closing of the mortgage loan. To learn more about the Premier relationship requirements contact your local HSBC branch or call 866.801.6756.

United States persons 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. U.S. persons should consult a tax advisor.

Mortgage and home equity products are offered in the U.S. by HSBC Bank USA, N.A. and are only available for property located in the U.S. 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 are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.

†† 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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