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HSBC Online Banking activation

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

If you registered for Online Banking prior to the 17th December 2014 it's not possible for you to activate your existing Secure Key and you will need to re-start your registration.

If you registered for Online Banking after this date, you will be prompted to activate your Secure Key when you log on.

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.

Find out more
 

Mortgages

Find and compare HSBC mortgages

This information does not contain all of the details you need to choose a mortgage. Make sure you read your individual Key Facts Illustration (KFI) before you make a decision. To see your KFI, you'll need to get a personal quote. This can be done over the telephone, in branch or online.

A KFI gives you tailored information, based on a particular mortgage and the level of lending you require, which is important to help you make your decision. This includes associated rates and fees, the overall cost of the mortgage and your monthly payments. All lenders provide this information in the same format to enable customers to easily compare products.

Please complete all fields.
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Buy my first property - this means you've not held a mortgage before.

Move house/Buy another property - this is where you have or have had a property with a mortgage and are moving to a new property, or are buying an additional property.

Re-mortgage - this is where you have a property with a mortgage and want to transfer it to HSBC.

Borrow more (existing customer) - this is where you hold an HSBC mortgage and want to borrow more funds against the property.

Borrow funds (has no mortgage) - this is where you own a property outright and want to borrow funds against it.

Please tell us what you want to do using the drop down list.

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Please tell us what you intend to do with the property:

Main home - this is the home you intend to reside in permanently.

Additional property - this is a secondary non-permanent residence that you don't intend to let, such as a weekend home.

Buy-to-Let (funded by rental income) - you intend to let the property, and the rental income will pay the mortgage.

Buy-to-Let (funded by my income) - you intend to let the property, and don't require the rental income to pay the mortgage.

Please tell us what this mortgage is for using the drop down list.

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The estimated property value should be based on the asking price or on the latest valuation of your property whichever is the lower.

£

Please tell us the estimated property value.

Please enter the property's value using numbers only.

Please enter your deposit amount only if you have selected either 'Buy my first property' or 'Move house/buy another property' from the above 'What do you want to do?' list box.
£

Please tell us your deposit amount.

Please enter how much your deposit is using numbers only.

Please enter the outstanding balance amount only if you have selected 'Remortgage' or 'Borrow more (existing customer)' or 'Borrow funds (I don't have a mortgage)' from above 'What do you want to do?' list box.
£

Please tell us your outstanding mortgage balance.

Please enter the outstanding balance using numbers only.

Please enter how much you want to borrow only if you have selected either 'Borrow more (existing customer)' or 'Borrow funds (I don't have a mortgage)' from the above 'What do you want to do?' list box.
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Please input any additional funds that you require. If you have an outstanding mortgage balance, this amount is in addition to your outstanding balance.

£

Please tell us the amount you require for further borrowing.

Please enter the amount you require for further borrowing using numbers only.

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HSBC Discount rates are at a discount below the HSBC Variable Rate for a specific period. When this period ends, your mortgage interest rate will move to the HSBC Variable Rate. During the discount period you can make overpayments of up to 20% of your monthly payment by increasing your direct debit, without charge.
HSBC Fixed rates are fixed for a specific period. When this period ends, your mortgage interest rate will move to the HSBC Variable Rate*. During the fixed rate period you can make overpayments of up to 20% of your monthly payment by increasing your direct debit, without charge.
HSBC Tracker rates are variable and set at a fixed margin above the Bank of England (BoE) base rate. You can make unlimited overpayments without charge.

*Where this is a Buy-to-Let fixed rate, this will move to the HSBC Buy-to-Let Variable Rate.

Both the HSBC Variable Rate and HSBC Buy-to-Let Variable Rate are set internally by HSBC. Neither rate tracks the Bank of England Base Rate.

Please tell us what type of mortgage you want using the drop down list.

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Capital repayment means that your monthly payment is made up of both accrued interest and a partial repayment of the amount borrowed. At the end of the mortgage term, you will have repaid the amount borrowed in full, assuming you have made all of your monthly payments.
Interest only means that your monthly payment covers accrued interest only. At the end of the mortgage term, you will still owe the amount borrowed and must be in a position to repay this in full otherwise your home may be at risk. It is your responsibility to ensure a suitable repayment strategy is in place and checked on a regular basis, in particular, the performance of any investment to be used, to see whether it is likely to be adequate to repay the capital at the end of the mortgage term.
To take out an interest only mortgage, you must hold or open an HSBC Premier Bank Account and meet our HSBC Premier eligibility criteria. You can view these eligibility criteria on our website at www.hsbc.co.uk/premier
For Interest only mortgages you can only borrow up to a maximum of 75% of the property's value and the maximum term is 25 years.

If you want a combination mortgage including both of these payment types, please choose the option for the majority of the proposed loan.

Please tell us what is your preferred payment type using the drop down list.

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Remember, the longer you pay the mortgage over the more interest you will pay.

This is also subject to our maximum age policy, which is 65 for an interest only mortgage and 75 for capital repayment.

Please tell us how long you want to pay the mortgage over using the drop down list.

Interest only mortgages

The monthly payment shown on the following screen covers the accrued interest only. At the end of your mortgage term, you will still owe the amount borrowed and must be in a position to repay this in full otherwise your home may be at risk. It is your responsibility to ensure a suitable repayment plan(s) is in place and checked on a regular basis, in particular, the performance of any investment to be used, to see whether it is likely to be adequate to repay the capital at the end of the mortgage term.

For Interest only mortgages you can only borrow up to a maximum of 75% of the property's value and the maximum term for an interest only mortgage is 25 years

You must hold or open an HSBC Premier Bank Account and meet our HSBC Premier eligibility criteria.
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.

For a Buy-to-Let interest only mortgage, you must meet our Buy-to-Let eligibility criteria.


Understanding our fees

For more information about the fees involved in applying for a mortgage please select the 'understanding our fees' button.






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




Need to talk to us?

Our mortgage specialists are here to help.

Call us:
0800 169 6333

Textphone 1800 10800 028 0126

Come and see us

If you would like a face-to-face chat, just pop in to a branch.

Find a branch

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