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.
If you're looking to buy or remortgage a Buy to Let property, 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.
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:
Our Buy to Let mortgages are available to:
New and existing HSBC customers with a minimum annual salary of £25,000
You must have owned and lived in your existing property for at least 6 months
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 75% loan to value (except for additional borrowing taken for debt consolidation purposes. The maximum borrowing amount for this is £30,000 with a maximum 60% loan to value)
Buy to Let mortgage eligibility criteria
The property must be in the UK
The maximum loan to valuation (LTV) is 75%, subject to loan amount
Properties must be let under Assured Shorthold Tenancies (ASTs) or company let agreement
The property must not be a House of Multiple Occupancy (HMO), e.g. a student let
All Buy to Let mortgages are subject to underwriting and lending criteria that may be varied from time to time
Customers may have up to 5 Buy to Let mortgaged properties with HSBC, with total combined borrowing of up to £2,000,000.
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 will be assessed from the property's rental income. The rent must be at least 145% 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 £145 (145%). To assess how much you can afford to borrow, a Rental Income affordability assessment is carried out.
Think carefully before securing other debts against your property.
Your property may be reposessed if you do not keep up repayments on your mortgages.
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
for information available to you.
How can I secure the interest rate?
We will reserve the interest rate once you have paid the booking fee (if applicable) and an Underwriter has approved your mortgage application.
Can I use my own valuers?
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.
Do you lend on new build properties?
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.
What documents and information will I need for my mortgage appointment?
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 eligibility criteria:
HSBC Premier is available to you, as long as you pay your annual income into your HSBC Premier Bank Account and either:
have savings or investments of at least £50,000 with HSBC in the UK; or
have an individual annual income of at least £100,000 and one of the following products with HSBC in the UK:
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. proceed
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.
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.
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.
Apply by phone
New Mortgage Customer
Call us on 0800 085 9345
An HSBC Premier Customer
Call us on 0800 028 3844
An existing mortgage Customer
To review your mortgage:
Call us on 0800 731 3134
If you are moving home or borrowing more money against your home:
Call us on 0800 169 6333
If you are experiencing a change in circumstances
Call us on 03457 662 255
† Lines are open 8am - 10pm everyday. Calls may be monitored and recorded.