Depending on your LTV HSBC have some cracking rates on low rate trackers for the life of the mortage.
As a First Time buyer I got 2.09% plus base rate for the life of the mortgage. If you have 70%+ LTV you can get that down to 1.69% plus base rate or 1.49% plus base rate at 60% LTV
We fit into the 60% LTV so I have been looking at the 1.49% + BR. We are HSBC Advance account holders so the set up fee is halved. We really want to stay with HSBC with our mortgage as they have been amazing with our current mortgages. Thankfully they have some good deals on now so it won’t be an expensive option.
They also have a 24hr mortgage promise – basically when we go in and say “yes we definitely need the cash for this house we’ve found” they only take 24hrs to confirm rather than the 2 weeks that it normally takes (apparently).