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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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.

Eligibility criteria


To apply for our Buy to Let mortgages, you'll need to meet our Borrower and Buy to Let mortgage eligibility criteria:

  • Minimum annual salary of £25,000
  • You must have owned and lived in your existing property for at least 6 months
  • 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 let for business purposes
  • The property must not be a House in 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
  • Additional Borrowing is available to existing HSBC Buy to Let mortgage holders looking to borrow more on their existing rental property, however 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).
  • We are not able to provide a Buy to Let mortgage if you are classified as either a Professional Landlord or a Portfolio Landlord:
    • A Professional Landlord is a person(or persons in the case of the joint mortgage) with more than £2,000,000 in buy to Let borrowing across all lenders or where more than 50 per cent of their total gross annual income (joint income) is from rental income.
    • A Portfolio Landlord is a person( or persons in the case of a joint mortgage) with four or more buy to let mortgaged properties in total at the end of the application.

We know that a buy to let investment can be a big commitment, that's why we have put together a factsheet which helps you to consider costs, responsibilities and the risks of becoming a landlord.


Find a Buy to Let Mortgage Apply Online


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.
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.

Already started an application?

Whether you started your application over the phone or online, you can see how it's progressing here. Simply log on using the username we've given you and security details you created.

Continue

Phone

Call us to get mortgage advice over the phone, at a time that suits you.

0800 169 6333

0800 169 6333

Textphone: 1800 10800 028

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Branch

Book an appointment in one of our branches with a dedicated mortgage advisor:

0800 030 4640

Some branches are open 6 days a week.

Find a branch

Online

Complete your entire application online, with no advice from us.

Or get a decision in principle online then book an appointment for advice

Save, track and retrieve your application.

Apply online

Lines open Monday to Friday 8am - 9pm, Saturday 8am - 8pm, Sunday 9am - 6pm. Calls may be monitored and recorded. Opening hours within the mortgage departments may vary.

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