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Our Mortgages

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We're currently making improvements to our Online Banking service.

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We apologise for any inconvenience which this delay may cause. Once you are registered, we look forward to introducing you to Online Banking, including the exciting enhancements we're working on now.

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We have a variety of different mortgages to suit your particular situation. Select one of the buyer types to find out more about how we can support you and the rates we have on offer.

”I want to switch my mortgage to HSBC”


”I am planning to move house”

Moving Home

”I am looking to invest in a Buy to Let property”

Buy to Let

”I want to manage my current HSBC mortgage”

Existing Customer
  • Homebuying Guide  
  • Mortgage offers  

Think carefully before securing other debts against your property.
Your property may be reposessed if you do not keep up repayments on your mortgages.

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As part of your home purchase you will require a solicitor or licensed conveyancer to represent you, HSBC will also require a solicitor or conveyancer to act on its behalf.

You have three options to choose from. Please see your conveyancing options for information available to you.

We will reserve the interest rate once you have paid the booking fee (if applicable) and an Underwriter has approved your mortgage application.

HSBC use an approved panel of surveyors to value properties we lend against. For purchase, remortgage and homeowner loan applications we'll carry out a Standard Valuation to ensure the property we are lending against provides suitable security for a HSBC mortgage.

If you're purchasing a property you may wish to have a more comprehensive valuation carried out such as a Homebuyers Report or Building Survey and you have the option to use your own valuer however one of our approved panel of surveyors will need to carry out a Standard Valuation. Alternatively you can use one of our approved valuers for a more comprehensive valuation when they visit the property for a Standard Valuation. See our Valuation Fee Scale for details on costs.

Yes, we may lend up to a maximum of 85% Loan to Value (LTV) on New Build Properties. If you have a an LTV greater than 75% you will be required to have a minimum deposit of £25,000.

A New Build Property is defined as:

  • a building that has been built in the last 24 months which includes property bought directly from a builder or developer
  • a property that has yet to be occupied for the first time


  • a property that is yet to be occupied in its current form, for example following a renovation or conversion

The property you're purchasing must have an HSBC recognised satisfactory Structural Defects Warranty.

Print off our Mortgage Appointment Checklist which has a full list of the documents and information you will need to provide at your mortgage appointment.

HSBC Premier is available to you, as long as you pay your annual income into your HSBC Premier Bank Account and either:

  1. have savings or investments of at least £50,000 with

    HSBC in the UK; or

  2. have an individual annual income of at least £100,000 and one of the following products with HSBC in the UK:
    • a mortgage;
    • an investment, life insurance or protection product;

Or, qualify for HSBC Premier in another country.

Please note: HSBC in the UK excludes M&S Bank, first direct and HSBC Expat. For the second criteria, in the case of a joint account, at least one of the parties must have an individual annual income of at least £100,000. The investment, life insurance or protection products also include those purchased through one of HSBC's advisers.

This link may allow you to access a non-HSBC website. HSBC has no control over the linked website and is not liable for your use of it.

What is the Help to Buy: mortgage guarantee?

Many credit-worthy people are finding it difficult to get a mortgage today because of the large deposits needed following the financial crisis. To help address this, the Government has created the Help to Buy: mortgage guarantee scheme to increase the number of low-deposit mortgage available for credit-worthy households.

How does it work?

Under the scheme, the Government offers mortgage lenders the option to purchase a guarantee on mortgages for a new or existing property, where a borrower has a deposit of between 5% and 20%. Because of this support, participating lenders are able to offer more mortgages to borrowers with small deposits.

How does it benefit me?

If you can afford to repay a mortgage but don?t have a large deposit, this scheme will benefit you by giving you access to low deposit mortgages. This means you won?t have to wait and save up for a large deposit to buy or move home.

Does the scheme guarantee my payments?

The scheme does not guarantee your payments. You are responsible for paying your mortgage under this scheme in exactly the same way as any other mortgage. The benefit to you is the ability to get a mortgage with a lower deposit.

Where can I find out more?

You can also visit to find out more about the scheme.

If you would like advice as to which of our mortgages may be suitable for you, make an appointment to see one of our Mortgage Advisors. They will review your financial situation and will provide advice and recommendation as to which HSBC mortgage product is most suitable for you based on the information you provide. Please note, that HSBC does not offer or provide advice in relation to Buy to Let mortgages.

Without advice

You can apply online whenever it suits you. However, by choosing to apply online you will not receive advice in respect to your mortgage and we are not required to assess the suitability of the mortgage product(s) that you select. This means you won't benefit from the protection provided to consumers by the Financial Conduct Authority's rules which otherwise require mortgage lenders to assess the suitability of such mortgage product(s) for you. As a responsible lender, we will also consider whether your mortgage payments and any associated repayment strategies meet our credit policy.

If at any point you'd like some help, simply call our specialist mortgage team on 0800 032 4706 or visit your local HSBC branch where we'll be happy to discuss your requirements.

To review your mortgage:

Call us on0800 731 3134

If you are moving home or borrowing more money against your home:

Call us on0800 169 6333

If you are experiencing a change in circumstances

Call us on03457 662 255

† Lines are open 8am - 10pm everyday. Calls may be monitored and recorded.

To book an appointment at your local branch please call;

0800 030 4640

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Category: Mortgage interest

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