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React from \"react\";\nimport NewsArticleLayout from \"../../../components/updated-article/NewsArticleLayout.component\";\n\nconst isNew = true;\nconst href = \"/ratesheet/20221220-Rate-Sheet.pdf\";\nconst date = \"20.12.2022\";\n\nconst Article = () => (\n  <NewsArticleLayout href={href} date={date} isNew={isNew}>\n    <h1 className=\"page-title\">Changes to our mortgage products</h1>\n\n    <br />\n    <p>With effect from Tuesday 20 December 2022 we will be making the following changes to our range:</p>\n    <p><strong>Summary of changes</strong></p>\n\n    <p><strong>UK Residential Existing Customer Switching Range</strong></p>\n    <ul>\n      <li>2 Year Fixed Fee Saver at 60%, 70%, 75%, 80%, 85%, 90% and 95% LTV have reduced</li>\n      <li>2 Year Fixed Standard at 60%, 70%, 75%, 80%, 85% and 90% LTV have reduced</li>\n      <li>3 Year Fixed Fee Saver at 60%, 70%, 75%, 80% and 85% LTV have reduced</li>\n      <li>3 Year Fixed Standard at 60%, 70%, 75%, 80% and 85% LTV have reduced</li>\n      <li>5 Year Fixed Fee Saver at 60%, 70%, 75%, 80%, 85%, 90% and 95% LTV have reduced</li>\n      <li>5 Year Fixed Standard at 60%, 70%, 75%, 80%, 85% and 90% LTV have reduced</li>\n      <li>5 Year Fixed Premier Exclusive at 60%, 70%, 75%, 80%, 85% and 90% LTV have reduced</li>\n      <li>2 Year Tracker Fee Saver at 60%, 70%, 75%, 80%, 85% and 90% LTV have increased</li>\n    </ul>\n\n    <p><strong>UK Residential Existing Customer Borrowing More Range</strong></p>\n    <ul>\n      <li>2 Year Fixed Fee Saver at 60%, 70%, 75%, 80%, 85% and 90% LTV have reduced</li>\n      <li>2 Year Fixed Standard at 60%, 70%, 75%, 80%, 85% and 90% LTV have reduced</li>\n      <li>3 Year Fixed Fee Saver at 60%, 70%, 75%, 80% and 85% LTV have reduced</li>\n      <li>3 Year Fixed Standard at 60%, 70%, 75%, 80% and 85% LTV have reduced</li>\n      <li>5 Year Fixed Fee Saver at 60%, 70%, 75%, 80%, 85% and 90% LTV have reduced</li>\n      <li>5 Year Fixed Standard at 60%, 70%, 75%, 80%, 85% and 90% LTV have reduced</li>\n      <li>5 Year Fixed Premier Exclusive at 60%, 70%, 75%, 80%, 85% and 90% LTV have reduced</li>\n      <li>2 Year Tracker Fee Saver at 60%, 70%, 75%, 80%, 85% and 90% LTV have increased</li>\n    </ul>\n\n    <p><strong>UK Residential First Time Buyer Range</strong></p>\n    <ul>\n      <li>2 Year Fixed Fee Saver at 60%, 70%, 75%, 80%, 85% and 90% LTV have reduced</li>\n      <li>2 Year Fixed Standard at 60%, 70%, 75%, 80%, 85% and 90% LTV have reduced</li>\n      <li>5 Year Fixed Fee Saver at 60%, 70%, 75%, 80%, 85% and 90% LTV have reduced</li>\n      <li>5 Year Fixed Standard at 60%, 70%, 75%, 80%, 85% and 90% LTV have reduced</li>\n      <li>5 Year Fixed Premier Exclusive at 60%, 70%, 75%, 80%, 85% and 90% LTV have reduced</li>\n    </ul>\n\n    <p><strong>UK Residential Home Mover Range</strong></p>\n    <ul>\n      <li>2 Year Fixed Fee Saver at 60%, 70%, 75%, 80%, 85% and 90% LTV have reduced</li>\n      <li>2 Year Fixed Standard at 60%, 70%, 75%, 80%, 85% and 90% LTV have reduced</li>\n      <li>5 Year Fixed Fee Saver at 60%, 70%, 75%, 80%, 85% and 90% LTV have reduced</li>\n      <li>5 Year Fixed Standard at 60%, 70%, 75%, 80%, 85% and 90% LTV have reduced</li>\n      <li>5 Year Fixed Premier Exclusive at 60%, 70%, 75%, 80%, 85% and 90% LTV have reduced</li>\n    </ul>\n\n    <p><strong>UK Residential Remortgage Range</strong></p>\n    <ul>\n      <li>2 Year Fixed Fee Saver at 60%, 70%, 75%, 80%, 85% and 90% LTV have reduced</li>\n      <li>2 Year Fixed Standard at 60%, 70%, 75%, 80%, 85% and 90% LTV have reduced</li>\n      <li>5 Year Fixed Fee Saver at 60%, 70%, 75%, 80%, 85% and 90% LTV have reduced</li>\n      <li>5 Year Fixed Standard at 60%, 70%, 75%, 80%, 85% and 90% LTV have reduced</li>\n      <li>5 Year Fixed Premier Exclusive at 60%, 70%, 75%, 80%, 85% and 90% LTV have reduced</li>\n    </ul>\n\n    <p><strong>UK Buy to Let Purchase Range</strong></p>\n    <ul>\n      <li>5 Year Fixed Fee Saver at 60%, 65% and 75% LTV have reduced</li>\n      <li>5 Year Fixed Standard at 60%, 65% and 75% LTV have reduced</li>\n    </ul>\n\n    <p><strong>UK Buy to Let Remortgage Range</strong></p>\n    <ul>\n      <li>5 Year Fixed Fee Saver at 60%, 65% and 75% LTV have reduced</li>\n      <li>5 Year Fixed Standard at 60%, 65% and 75% LTV have reduced</li>\n    </ul>\n\n    <p><strong>International Residential Range</strong></p>\n    <ul>\n      <li>2 Year Fixed Fee Saver at 60%, 70% and 75% LTV have reduced</li>\n      <li>2 Year Fixed Standard at 60%, 70% and 75% LTV have reduced</li>\n      <li>5 Year Fixed Fee Saver at 60%, 70% and 75% LTV have reduced</li>\n      <li>5 Year Fixed Standard at 60%, 70% and 75% LTV have reduced</li>\n      <li>5 Year Fixed Premier Exclusive at 60%, 70% and 75% LTV have reduced</li>\n    </ul>\n\n    <p>All of our fixed rate end dates will be extended as below:</p>\n    <ul>\n      <li>2 year fixed rates &ndash; 31 May 2025</li>\n      <li>3 year fixed rates &ndash; 31 May 2026</li>\n      <li>5 year fixed rates &ndash; 31 May 2028</li>\n    </ul>\n    <p>There are no changes to any other interest rates at this time.</p>\n    <p>An updated mortgage rate sheet will be published on Tuesday 20 December to reflect these changes.</p>\n  </NewsArticleLayout>\n);\n\nexport default Article;\n","import React from \"react\";\nimport RateSheet from \"../rate-sheet/rate-sheet.component\";\nimport Layout from \"../layout\";\nimport ContactUs from \"../contact-us/contact-us.component\";\nimport { triggerTealiumEvent } from \"../../utils/tealiumUtils\";\nimport { useLocation } from \"@reach/router\";\nimport \"../../styles/app.scss\";\n\nexport default function NewsArticleLayout({ children, title, description, isNew, href, date }) {\n  const location = useLocation();\n  \n  const handleClick = ({ sectionName, clickedText }) => {\n    const lastSegment = location.href.replace(/\\/$/, \"\").split(\"/\").pop();\n    \n    if (typeof window !== \"undefined\" && window.utag) {\n      triggerTealiumEvent({\n        tealiumEvent: \"link\",\n        pageUrl: location.href,\n        pageName: `newsroom:essential reading:${lastSegment}`,\n        eventCategory: \"content\",\n        eventAction: \"onsite\",\n        eventContent: `${sectionName} | ${lastSegment} : ${clickedText}`,\n        pageType: \"product information\",\n        pageSubCategory: \"newsroom\",\n        rawDataLayer: \"10451v29\",\n      });\n    }\n  };\n\n  return (\n    <Layout title={title} metaDescription={description}>\n      <section className=\"news-article page-section row\">\n        <div className=\"news-article__body col-xs-12 col-lg-7\">{children}</div>\n        <div className=\"news-article__sidebar col-xs-12 col-lg-4 col-lg-offset-1\">\n          <ContactUs />\n          {isNew ? (\n            <RateSheet\n              href={href}\n              date={date}\n              onClick={() => handleClick({ sectionName: \"Rate sheet\", clickedText: \"Rate sheet\" })}\n            />\n          ) : null}\n        </div>\n      </section>\n    </Layout>\n  );\n}\n","import React, { useContext } from \"react\";\nimport GeneralAnchor from \"../general-anchor/general-anchor.component\";\nimport { MenuContext } from \"../../context\";\nimport ContactSvg from \"../../assets/contact.inline.svg\";\nimport PhoneSvg from \"../../assets/phone.inline.svg\";\n\nconst ContactUs = () => {\n  const menuContext = useContext(MenuContext);\n  return (\n    <section className=\"contact-us\">\n      <h2>Contact us</h2>\n      <GeneralAnchor\n        isBlank\n        href=\"/broker-support\"\n        rel=\"noreferrer\"\n        isLink={false}\n        noClass={true}\n        inert={menuContext.isMenuOpen ? \"true\" : null}\n      >\n        <PhoneSvg />\n        Call our help desk\n      </GeneralAnchor>\n\n      <GeneralAnchor\n        isBlank\n        href=\"/broker-support\"\n        rel=\"noreferrer\"\n        isLink={false}\n        noClass={true}\n        inert={menuContext.isMenuOpen ? \"true\" : null}\n      >\n        <ContactSvg />\n        Find a BDM\n      </GeneralAnchor>\n    </section>\n  );\n};\n\nexport default ContactUs;\n","var React = require('react');\n\nfunction PhoneInline (props) {\n    return React.createElement(\"svg\",props,React.createElement(\"path\",{\"d\":\"M13.636 17.999C13.219 17.999 12.799 17.907 12.406 17.719C8.483 15.839 5.55 12.673 5.427 12.539C5.329 12.452 2.162 9.518 0.281999 5.595C-0.237001 4.513 -0.0210015 3.223 0.816999 2.385L2.81 0.391001C3.314 -0.112999 4.192 -0.112999 4.695 0.391001L7.42 3.116C7.939 3.636 7.939 4.481 7.42 5L5.938 6.482C5.892 6.528 5.884 6.602 5.92 6.649C6.48 7.375 7.095 8.074 7.747 8.727L9.272 10.252C9.921 10.9 10.62 11.516 11.35 12.078C11.397 12.115 11.471 12.106 11.517 12.061L13 10.58C13.502 10.078 14.381 10.077 14.884 10.581L17.61 13.307C17.862 13.559 18 13.893 18 14.25C18 14.605 17.861 14.939 17.609 15.19L15.616 17.183C15.082 17.718 14.365 17.999 13.636 17.999ZM3.752 1.205C3.716 1.205 3.68 1.217 3.658 1.238L1.665 3.232C1.186 3.711 1.065 4.453 1.364 5.077C3.145 8.794 6.243 11.662 6.274 11.69C6.338 11.757 9.215 14.859 12.924 16.636C13.547 16.935 14.289 16.813 14.767 16.335L16.8 14.247C16.8 14.223 16.793 14.185 16.761 14.153L14.035 11.427C13.971 11.363 13.912 11.363 13.849 11.427L12.367 12.909C11.895 13.381 11.144 13.432 10.618 13.027C9.847 12.433 9.109 11.784 8.424 11.098L6.899 9.575C6.21 8.887 5.562 8.148 4.97 7.382C4.566 6.857 4.617 6.105 5.089 5.634L6.571 4.152C6.623 4.101 6.623 4.016 6.571 3.964L3.845 1.238C3.823 1.217 3.788 1.205 3.752 1.205Z\",\"fill\":\"#000\"}));\n}\n\nPhoneInline.defaultProps = {\"width\":\"18\",\"height\":\"18\",\"viewBox\":\"0 0 18 18\",\"fill\":\"none\",\"role\":\"img\",\"aria-hidden\":\"true\",\"focusable\":\"false\"};\n\nmodule.exports = PhoneInline;\n\nPhoneInline.default = PhoneInline;\n","'use strict';\nvar $ = require('../internals/export');\nvar $trim = require('../internals/string-trim').trim;\nvar forcedStringTrimMethod = require('../internals/string-trim-forced');\n\n// `String.prototype.trim` method\n// https://tc39.es/ecma262/#sec-string.prototype.trim\n$({ target: 'String', proto: true, forced: forcedStringTrimMethod('trim') }, {\n  trim: function trim() {\n    return $trim(this);\n  }\n});\n","import React, { useContext } from \"react\";\nimport { Link } from \"gatsby\";\nimport { triggerTealiumEvent } from \"../../utils/tealiumUtils\";\nimport { useLocation } from \"@reach/router\";\nimport { MenuContext } from \"../../context\";\n\nconst GeneralAnchor = ({\n  children,\n  isBlank,\n  href,\n  isLink = false,\n  target,\n  ariaLabel = \"\",\n  referrer,\n  isRed,\n  downloadTitle,\n  onClick,\n  additionalClass,\n  noClass = false,\n}) => {\n  const menuContext = useContext(MenuContext);\n  const location = useLocation();\n\n  const extractTextFromChildren = (children) => {\n    switch (true) {\n      case typeof children === \"string\":\n        return children;\n      case React.isValidElement(children):\n        return extractTextFromChildren(children.props.children);\n      case Array.isArray(children):\n        return children.map(extractTextFromChildren).join(\" \");\n      default:\n        return \"\";\n    }\n  };\n\n  const handleClick = (e) => {\n    if (typeof window === \"undefined\" || !window.utag) return;\n\n    const textContent = extractTextFromChildren(children).trim();\n    const commonData = {\n      tealiumEvent: \"link\",\n      pageUrl: location.href,\n      eventCategory: \"content\",\n      pageType: \"product information\",\n    };\n\n    const events = {\n      \"/resources\": {\n        eventAction: \"download\",\n        eventContent: `download: ${textContent.replace(/\\s*\\(.*?\\)$/, \"\")}`,\n        pageName: \"resources\",\n        pageSubCategory: \"resources\",\n        rawDataLayer: \"10451v51\",\n      },\n      \"/packaging-requirements\": isLink\n        ? {\n            eventAction: \"download\",\n            eventContent: `download: ${textContent.replace(/\\s*\\(.*?\\)$/, \"\")}`,\n            pageName: \"packaging requirements\",\n            pageSubCategory: \"packaging requirements\",\n            rawDataLayer: \"10451v77\",\n          }\n        : {\n            eventAction: \"onsite\",\n            eventContent: `contact us | packaging requirements : ${textContent}`,\n            pageName: \"packaging requirements\",\n            pageSubCategory: \"packaging requirements\",\n            rawDataLayer: \"10451v75\",\n          },\n      \"/broker-support\": {\n        eventAction: \"onsite\",\n        eventContent: `support actions | broker support : ${textContent}`,\n        pageName: \"broker support\",\n        pageSubCategory: \"broker support\",\n        rawDataLayer: \"10451v33\",\n      },\n      \"/placing-business\": href.includes(\"frequently-asked-questions\")\n        ? {\n            eventAction: \"offsite\",\n            eventContent: `placing business : ${textContent}`,\n            pageName: \"placing business\",\n            pageSubCategory: \"placing business\",\n            rawDataLayer: \"10451v56\",\n          }\n        : {\n            eventAction: \"download\",\n            eventContent: `download: ${textContent.replace(/\\s*\\(.*?\\)$/, \"\")}`,\n            pageName: \"placing business\",\n            pageSubCategory: \"placing business\",\n            rawDataLayer: \"10451v55\",\n          },\n      \"/newsroom\": href.includes(\"pdfs\")\n        ? {\n            eventAction: \"onsite\",\n            eventContent: `news : ${textContent}`,\n            pageName: \"newsroom\",\n            pageSubCategory: \"newsroom\",\n            rawDataLayer: \"10451v24\",\n          }\n        : {\n            eventAction: \"offsite\",\n            eventContent: `news : ${textContent}`,\n            pageName: \"newsroom\",\n            pageSubCategory: \"newsroom\",\n            rawDataLayer: \"10451v25\",\n          },\n      \"/green\": {\n        eventAction: \"onsite\",\n        eventContent: `resources | green : ${textContent}`,\n        pageName: \"green\",\n        pageSubCategory: \"green\",\n        rawDataLayer: \"10451v86\",\n      },\n      \"/step-by-step-guide-to-hsbc-mortgages\": {\n        eventAction: \"onsite\",\n        eventContent: `contact us | step by step guide to hsbc mortgages : ${textContent}`,\n        pageName: \"step by step guide to hsbc mortgages\",\n        pageSubCategory: \"step by step guide to hsbc mortgages\",\n        rawDataLayer: \"10451v81\",\n      },\n    };\n\n    if (location.href.includes(\"essential-reading\")) {\n      events[location.pathname] = {\n        eventAction: \"onsite\",\n        eventContent: `contact us | ${location.href.replace(/\\/$/, \"\").split(\"/\").pop()} : ${textContent}`,\n        pageName: \"essential reading\",\n        pageSubCategory: \"newsroom\",\n        rawDataLayer: \"10451v29\",\n      };\n    }\n\n    const eventData =\n      events[location.pathname] || events[`${location.pathname}/`] || events[`${location.pathname.replace(/\\/$/, \"\")}`];\n\n    if (eventData) {\n      triggerTealiumEvent({ ...commonData, ...eventData });\n    }\n\n    if (onClick) {\n      onClick(e);\n    }\n  };\n\n  return (\n    <>\n      {isLink === true ? (\n        <a\n          className={`${(additionalClass && additionalClass) || \"\"}${\n            (noClass !== true && \" general-anchor-btn\") || \"\"\n          }${(isRed && \" general-anchor-btn--red\") || \"\"}`}\n          href={href}\n          target={target ? target : isBlank ? \"_blank\" : \"_self\"}\n          rel={referrer ? referrer : undefined}\n          download={downloadTitle}\n          aria-label={ariaLabel}\n          onClick={handleClick}\n          inert={menuContext.isMenuOpen ? \"true\" : null}\n        >\n          {children}\n        </a>\n      ) : (\n        <Link\n          className={`${(additionalClass && additionalClass) || \"\"}${\n            (noClass !== true && \" general-anchor-btn\") || \"\"\n          }${(isRed && \" general-anchor-btn--red\") || \"\"}`}\n          to={href}\n          target={target ? target : isBlank ? \"_blank\" : \"_self\"}\n          rel={referrer ? referrer : undefined}\n          download={downloadTitle}\n          aria-label={ariaLabel}\n          onClick={handleClick}\n          inert={menuContext.isMenuOpen ? \"true\" : null}\n        >\n          {children}\n        </Link>\n      )}\n    </>\n  );\n};\n\nexport default GeneralAnchor;\n","'use strict';\nvar $ = require('../internals/export');\nvar IndexedObject = require('../internals/indexed-object');\nvar toIndexedObject = require('../internals/to-indexed-object');\nvar arrayMethodIsStrict = require('../internals/array-method-is-strict');\n\nvar nativeJoin = [].join;\n\nvar ES3_STRINGS = IndexedObject != Object;\nvar STRICT_METHOD = arrayMethodIsStrict('join', ',');\n\n// `Array.prototype.join` method\n// https://tc39.es/ecma262/#sec-array.prototype.join\n$({ target: 'Array', proto: true, forced: ES3_STRINGS || !STRICT_METHOD }, {\n  join: function join(separator) {\n    return nativeJoin.call(toIndexedObject(this), separator === undefined ? ',' : separator);\n  }\n});\n","var React = require('react');\n\nfunction ContactInline (props) {\n    return React.createElement(\"svg\",props,React.createElement(\"path\",{\"d\":\"M16.191 12.775C15.993 12.286 15.713 11.831 15.345 11.453C14.47 10.552 13.375 9.87 12.083 9.451L9.01 12.524L5.932 9.445C4.633 9.864 3.533 10.548 2.654 11.453C2.286 11.832 2.006 12.286 1.808 12.775L0 17.25H18L16.191 12.775ZM1.779 16.05L2.921 13.225C3.07 12.857 3.269 12.542 3.514 12.29C3.745 12.052 4.007 11.851 4.272 11.652L6.05 16.05H1.779ZM8.4 16.05H7.344L5.31 11.016C5.42 10.961 5.516 10.889 5.63 10.84L8.163 13.373L8.4 13.61V16.05ZM9.6 16.05V13.632L9.859 13.373L12.385 10.847C12.499 10.897 12.595 10.969 12.705 11.024L10.674 16.051H9.6V16.05ZM13.742 11.662C14.001 11.858 14.259 12.056 14.485 12.289C14.73 12.541 14.93 12.856 15.079 13.225L16.221 16.05H11.969L13.742 11.662ZM9.01 9.25C11.459 9.25 12.5 6.952 12.5 4.891C12.5 2.751 11.479 0.75 9.01 0.75C6.541 0.75 5.5 2.732 5.5 4.891C5.5 7.011 6.52 9.25 9.01 9.25ZM9.01 1.95C11.077 1.95 11.3 4.007 11.3 4.891C11.3 6.064 10.818 8.05 9.01 8.05C6.811 8.05 6.7 5.419 6.7 4.891C6.7 4.007 6.925 1.95 9.01 1.95Z\",\"fill\":\"#000\"}));\n}\n\nContactInline.defaultProps = {\"width\":\"18\",\"height\":\"18\",\"viewBox\":\"0 0 18 18\",\"fill\":\"none\",\"role\":\"img\",\"aria-hidden\":\"true\",\"focusable\":\"false\"};\n\nmodule.exports = ContactInline;\n\nContactInline.default = ContactInline;\n","import React from \"react\";\n\nconst RateSheet = ({href, date, onClick}) => {\n  return (\n    <section className=\"rate-sheet\">\n      <p>Historic rates displayed on the below pdf are for information only, therefore any associated product codes will not be active on the broker platform.</p>\n      <p>\n        <a title=\"This PDF opens in a new window\" target=\"_blank\" href={href} onClick={onClick}>\n          Rate sheet {date}.\n        </a>\n      </p>\n    </section>\n  );\n};\n\nexport default RateSheet;\n","var fails = require('../internals/fails');\nvar whitespaces = require('../internals/whitespaces');\n\nvar non = '\\u200B\\u0085\\u180E';\n\n// check that a method works with the correct list\n// of whitespaces and has a correct name\nmodule.exports = function (METHOD_NAME) {\n  return fails(function () {\n    return !!whitespaces[METHOD_NAME]() || non[METHOD_NAME]() != non || whitespaces[METHOD_NAME].name !== METHOD_NAME;\n  });\n};\n"],"sourceRoot":""}