Existing Customer Mortgage Interest Rates. As at 20 October 2014

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1 Existing Customer Mortgage Interest s As at 20 October 2014

2 Existing Customer Mortgage Interest s You can arrange to switch to a new mortgage deal with us up to 90 days before your current deal ends. The information in the tables and further information section do not contain all of the details you need to choose a mortgage. We ll provide you with a Key Facts Illustration that you should read carefully before you make a decision to proceed. It s worth taking a moment just to check you meet our standard eligibility criteria for switching your mortgage deal: your mortgage account must have been open for at least one month there must be at least 12 months remaining of the mortgage term on the part(s) to be switched the term on the part(s) to be switched to a new mortgage product must be at least the same as the initial rate period of the new mortgage product. Alternatively, the new mortgage product must have a lifetime rate the total amount being moved to a new deal must be at least 3,000 you must pay any on your existing mortgage deal, as there must be no specific conditions on the part(s) to be switched that prevent the balance being moved to a new deal. If your circumstances have changed since you took out your mortgage and you think this may affect your ability to repay, please contact us on We are available from 9am to 8pm Monday to Friday and 8am to 4pm on Saturdays. From time to time additional products with lower rates or s may be available through our advised mortgage service. Please call us for more details. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage. How to apply: If you d like to switch to a new mortgage deal, you can: call us on , textphone or overseas to get advice from one of our Mortgage Advisors about the best deal for your circumstances or to tell us which rate you want to switch to without receiving advice. Lines are open from 8am to 6pm Monday to Friday (excluding Bank Holidays) and 8am to 3pm Saturday. To ensure that we carry out your instructions accurately, to help us continually improve our service and in the interests of security, we may monitor and/or record your telephone call with us log into personal internet banking and switch your rate online. Please be aware that if you choose to switch your rate online or opt out of receiving advice on the telephone, you will not receive any advice on the most suitable mortgage product(s) for your circumstances and you will lose the protection afforded to you by the Financial Conduct Authority s rules which otherwise require us to assess the suitability of the mortgage product(s) available If you d like to change your term or make any other your mortgage at the same time as switching your rate, please call us or visit your local branch. Further information: Interest Mortgages: You are responsible for making arrangements to repay your mortgage at the end of the mortgage term. You should make regular checks to ensure your chosen repayment strategy is on plan to repay your mortgage at the end of the term. Loan to Valuation (LTV) The mortgage products which are available to you depend on your mortgage balance as a proportion of the value of your home (the LTV ). Eg A 100k property with an 80k mortgage = an 80% LTV. This is the maximum LTV that will be accepted for. You can request that your property be re-valued to ascertain your current LTV, on the basis of your belief that your property s current value is different to the estimated value on our records. Please note that by requesting a re-valuation you would not be reserving any mortgage products or rates. Products can be withdrawn at any time and you will only be able to choose from the range available, once your current valuation is confirmed. If a re-valuation is required, a may be. Please call us for further details. Interest rate This is the percentage rate at which HSBC calculates the interest that you are charged on your mortgage. period The period during which the fixed, tracker or discount rate applies. For fixed and discount rate mortgages, following the expiry of the fixed or discount rate period, the mortgage rate will move to the HSBC. Changes to currently The HSBC will vary over the term of the loan and is a variable rate set internally by HSBC. The HSBC does not track the Bank of England Base. The overall is APR stands for the Annual Percentage of charge used to compare loan offers. An Charge (ERC) is a charge you may have to pay if you repay the whole or part of your mortgage, by paying it back early (which includes if you move to a different product or move to a different lender) during a certain period. For fixed and discount rates, overpayments of up to 20% can be made to the standard monthly payment (by increasing the standard direct debit) without incurring an Charge. An Charge applies if you increase your standard monthly payment by more than 20% or repay, by any other method, the whole or any part of the mortgage, over and above your standard monthly payment during a fixed or discount rate period. The ERC will be 1% of the amount overpaid or repaid early multiplied by the number of years remaining of the fixed or discount rate period, reducing daily. For example: A customer paying off their full mortgage of 100,000, who has 18 months (547 days) remaining on their fixed rate period. The ERC would be: 100,000 x 1% divided by 365 x 547 days = 1, do not apply to tracker rate or HSBC mortgages and unlimited overpayments can be made. To qualify for some products you may be required to hold another HSBC product. Buyer type restrictions may also apply. is available on some of our products. for existing customers means no booking and no completion. If a re-valuation is required, we will cover the cost of one standard valuation. Depending on your circumstances, other s and charges may apply, please call us for further details. Fixed rate - your payments are fixed for the duration of the fixed term, no matter what happens to interest rates. Discount off a discount rate mortgage is a variable rate mortgage that offers an interest rate that is a discount off for an agreed period (eg. 2 years). This only applies to discount rate mortgages. Tracks the Bank of England Base Plus - a tracker mortgage interest rate is set at an agreed percentage above the Bank of England Base for the term of the loan. The interest rate payable will rise and fall in line with the Base. This only applies to tracker rate mortgages.

3 A nonrefundable charged on some mortgages to secure a particular mortgage deal. You may choose to add this to the loan; however, this will increase your mortgage balance, the amount of interest you pay and your monthly payments. loan size The maximum amount that can be borrowed with per booking payable. Where you choose to switch two or more of your mortgage loans to the same product and where your existing mortgage loans are secured by a charge over the same property, if your total borrowing remains within the maximum borrowing limit for that new product, you will only pay the Fee for that product once. For example, if you switch your mortgage loans to a new product which has a Fee of 999 and has a maximum borrowing limit of 500,000, you would only pay one Fee for switching two mortgage loans of 200,000 and 300,000 to this new product. See the following tables for our current rates: 60% Loan To Value 70% Loan To Value 80% Loan To Value 90% Loan To Value 60% Loan To Value interest rate applied until 3 Year Fixed 2 Year Discount available with this product per booking 1.49% % 1, % n/a Yes 500, % % % n/a 2.19% % 0 3.7% 1.89% % % n/a 1.89% % % n/a 2.69% % 0 3.7% 2.99% % % n/a 3.19% % 0 3.7% 2.99% % % n/a 2.99% % % n/a 1.99% (1.49% plus Bank 2.49% (1.99% plus Bank 1.99% (1.49% plus Bank 1.99% (1.49% plus Bank 0.99% (2.95% off the HSBC rate, currently 3.94%) n/a n/a % n/a n/a n/a 0 2.5% n/a n/a % n/a n/a n/a % n/a 2 Years 3.94% % n/a Yes 500,000

4 70% Loan To Value interest rate applied until 3 Year Fixed 1.99% % % n/a 2.29% % 0 3.7% 1.99% % % 1.99% % % Premier or 2.89% % 0 3.7% 3.09% % % n/a 3.39% % 0 3.8% 3.09% % % 3.09% % % Premier or 2.19% (1.69% plus Bank 2.69% (2.19% plus Bank 2.19% (1.69% plus Bank 2.19% (1.69% plus Bank n/a n/a % n/a n/a n/a 0 2.7% n/a n/a % n/a n/a % Premier or

5 80% Loan To Value interest rate applied until 3 Year Fixed Fee Saver 2.39% % % n/a 2.69% % 0 3.8% 2.39% % % 2.39% % % Premier or 3.29% % 0 3.8% 3.49% % % n/a 3.79% % 0 4.0% 3.49% % % 3.49% % % Premier or 2.59% (2.09% plus rate, 3.09% (2.39% plus rate, 2.59% (2.09% plus rate, n/a % n/a n/a n/a 0 3.1% n/a n/a % 2.59% (2.09% plus rate, n/a n/a % Premier or 85% Loan To Value interest rate applied until 2.99% % % n/a 3.29% % 0 3.9% 3.99% % % n/a 4.29% % 0 4.2% 3.29% n/a n/a % n/a No 400,000

6 90% Loan To Value interest rate applied until Fee Saver 3.69% % % n/a 4.19% % 0 4.1% 3.69% % % 3.69% % % Premier or 4.49% % % n/a 4.99% % 0 4.5% 4.49% % % 4.49% % % Premier or 4.39% (3.89% plus rate, 4.89% (4.39% plus rate, 4.39% (3.89% plus rate, n/a n/a % n/a No 400,000 n/a n/a 0 5.0% No 400,000 n/a n/a % No 400, % (3.89% plus rate, n/a n/a % Premier or No 400,000 2 Year Discount 2.89% (1.05% off rate, currently 3.94%) 2 Years 3.94% % n/a No 400,000 HSBC UK Bank Plc, 1 Centenary Square, Birmingham, B1 1HQ is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The firm reference number is hsbc.co.uk Issued by HSBC UK Bank plc. Customer Information: PO Box 6201, Coventry CV3 9HW RFB1327 MCP /18. HSBC Group All Rights Reserved. AC28873