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HSBC is offering a fantastically low 0.99% fixed rate mortgage and it is available through Trinity Financial.

At the end of the fixed period, which expires on the 31 August 2018, the mortgage reverts to the bank’s 3.94% standard variable rate. The overall cost for comparison is 3.6% APR.

Over the last year fixed rates mortgages have got even more competitively priced and a sub-1% rate is impressive.

The 0.99% rate has a £1,499 arrangement fee and early repayment charges until 31 August 2018.

Applicants will need a 35% deposit to qualify, and there is £500,000 maximum loan size. 

It is possible to secure larger mortgages if the rate is mixed with a standard or fee saver product. However, applicants will potentially have to pay two arrangement fees.

Five-times salary mortgages

HSBC will lend up to five times both single and joint incomes up to 75% loan-to-value, and this is lowered to 4.75% times salary at 75% loan-to-value and above.

If you are self-employed, you will need to provide two years accounts, and it is worth noting the bank assesses affordability closely.

Is the cheapest rate always the best option?

Aaron Strutt, product director at Trinity Financial, says: “If you are looking for a new mortgage, it is important to make sure you do not simply look at the headline rate.

“Sometimes the cheapest rates are not the best option, especially if they have a high arrangement fee. That said, HSBC's rate certainly top many of the mortgage best buy tables."

Call Trinity on 020 7016 0790 to secure a fixed or tracker rate mortgage.

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To arrange a meeting with one of our expert mortgage advisers complete our enquiry form or mortgage questionnaire and we will call you back. Please note, by submitting this information you have given your agreement to receive verbal contact from us to discuss your mortgage requirements.

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