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.

Find out more

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 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:

  • 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

Maximum borrowing:

Customers may have up to 5 Buy to Let mortgaged properties with HSBC, with total combined borrowing of up to £2,000,000.

BTL Factsheet

At HSBC, we know that a BTL property can be a big commitment, that's why we have put together the following factsheet with some useful information when considering the costs, responsibilities and risks of becoming a landlord.

Find a Buy to Let Mortgage

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.

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

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