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, please log on to Online Banking entering your username, memorable answer and your password, from here you will be prompted to activate your Secure Key.

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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Low rate, low fee HSBC Buy to Let mortgages

Available to customers who meet our Buy to Let borrower eligibility criteria. A maximum Buy to Let lending limit applies.

Your property may be repossessed if you do not keep up repayments on your mortgage.

If you're an HSBC Premier customer or an existing HSBC current account holder, our Buy to
Let Mortgages could be the answer.

Whether you're starting or expanding your property portfolio, our Buy to Let mortgage range can help you get going.

Our Buy to Let mortgages are available up to 75% loan to value (LTV) and a maximum loan size of £500,000 applies. Other fees and charges may be payable including legal fees and charges levied by your existing lender.

Think carefully before purchasing a Buy to Let mortgage. Our Buy to Let mortgages are available to customers who meet our Buy to Let mortgage borrower eligibility criteria.

Remember, you are responsible for making the monthly payments even when the property does not have a tenant. Not all properties will grow in value or provide
sufficient income to cover all your associated costs.

Why HSBC?

  • Competitive rates
  • Low booking fees
  • Fixed and tracker rates available

Getting Started

  • Step oneStep oneFind and Compare our mortgages
  • Step oneStep twoWays to apply

We offer a wide range of Buy to Let mortgages and our Find and Compare tool allows you to compare our mortgages. When you're ready, click on 'Find mortgages' and you'll be taken to our Find and Compare tool.

 

Find mortgages
Introduction

If you're an HSBC Advance or HSBC Premier customer, our Buy to Let mortgages could be the answer.

Whether you're starting or expanding your property portfolio, our Buy to Let mortgage range can help you get going.

Our Buy to Let mortgages are available up to 75% loan to value and a maximum Buy to Let lending limit applies. Other fees and charges may be payable including legal fees and charges levied by your existing lender.

Eligibility

To be eligible for our Buy to Let mortgages you'll need to meet our Borrower and Buy to Let mortgage eligibility criteria.
We've set out the principal criteria below:

Borrower Eligibility
Our Buy to Let mortgages are available to:

  • HSBC Premier customers, or
  • HSBC Advance customers

Additional Borrowing Eligibility Criteria:

  • Available to existing HSBC Buy to Let mortgage holders looking to borrow more on their existing rental property
  • Total lending must not exceed 60% loan to value

Please note: Existing HSBC Buy to Let mortgage holders borrowing more are not required to hold
an HSBC Premier or HSBC Advance account in order to apply.

Buy to Let mortgage eligibility criteria

  • The property must be in the UK
  • The maximum loan to valuation (LTV) is 75%
  • Properties must be let under Assured Shorthold Tenancies (ASTs) or let for business purposes.
  • All Buy to Let mortgages are subject to underwriting and lending criteria that may be varied from time to time.
  • Maximum borrowing:
    HSBC Premier customers may borrow up to £2,000,000. HSBC Advance customers may borrow up to £500,000.

    Please note: Our maximum borrowing limits take into account your total Buy to Let borrowing across all lenders and is subject to our maximum Buy to Let lending limits.

Affordability
The affordability of a Buy to Let mortgage can be assessed from either rental income and/or salaried income.

Rental income
If you intend to pay your Buy to Let mortgage payments from the property's rental income, the rent must be at least 130% of the mortgage payment, using an interest rate that takes into account the possibility of future interest rate rises. This way we can help to ensure the loan is affordable now and in the future. For example, if the monthly payment is £100 (100%), the monthly rental income must be at least £130 (130%). To assess how much you can afford to borrow, a Rental Income affordability assessment is carried out. We will also undertake a broader review of your financial circumstances, which is in addition to the rental cover requirement.

Salaried income
If you intend to pay your Buy to Let mortgage payments from your salaried income, we will assess your mortgage application taking into consideration any associated bills for the Buy to let property in addition to your other monthly financial commitments, for example residential mortgage payments, utility bills etc.

Our Fixed Rate Mortgages

A fixed rate Buy to Let mortgage provides the security of fixed mortgage payments
until an agreed date, no matter what happens to interest rates.

For repaying your HSBC Buy to Let mortgage, we offer capital repayment and interest only repayment methods.

  • Payments fixed for a period of time
  • Ability to overpay by up to 20% of your standard monthly payment each month

An Early Repayment Charge applies if you increase your standard monthly payment by more than 20% or repay, by any other method, the whole or any part of the mortgage, over and above your standard monthly payment during a fixed rate period.

More on Capital repayment and interest only repayment methods
Buy to Let fees and charges

View HSBC Fixed Rate mortgages
Our Tracker Mortgages

The tracker Buy to Let mortgage interest rate is set at an agreed percentage above
the Bank of England base rate. The monthly payments rise and fall (track) in line with
changes to the base rate.

For repaying your HSBC Buy to Let mortgage, we offer capital repayment and interest only repayment methods.

  • No early repayment charge
  • Make unlimited overpayments
  • Make lump sum reductions
  • Repay your loan at any time

More on Capital repayment and interest only repayment methods
Buy to Let fees and charges

View HSBC Tracker mortgages
Additional Borrowing

If you're an existing HSBC Buy to Let customer and would like to make improvements to your Buy to Let property or to release equity in it, you could apply to borrow more on your mortgage.

Available on fixed rates only and up to 60% loan to value. A maximum lending limit applies.

You can apply for additional borrowing on the phone or by visiting your local branch.

Think carefully before purchasing a Buy to Let mortgage. Our Buy to Let mortgages are available to customers who meet our Buy to Let mortgage borrower eligibility criteria. Remember, you are responsible for making the monthly payments even when the property does not have a tenant. Not all properties will grow in value or provide sufficient income to cover all your associated costs.

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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