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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Existing HSBC customers

Find a mortgage

If you have an existing HSBC mortgage and are looking to switch your existing deal or to borrow more, we are here to help. Find out more here:

Switch your deal
Borrow more

You can manage your mortgage with us and do any of the following through online banking:

  • Switch your mortgage deal
  • Make additional payments and overpayments
  • Borrow more

Switch your mortgage deal

If your current mortgage deal with HSBC is coming to an end and you would like to switch your mortgage, we can help you look at your options. You can also agree your new mortgage deal up to 12 weeks before your current deal ends. Contact one of our Mortgage advisors on 0800 169 6333.

Make additional payments and overpayments

We want to help you manage your mortgage more effectively. By making regular extra payments on top of your standard monthly payment or making lump sum, you could:

  • Pay off your mortgage earlier
  • Reduce the amount of interest payable - the interest chargeable on the outstanding mortgage balance is calculated every day rather than every week, month or year
  • Work out how much interest you could save with our Overpayment calculator
  • Log on to Online Banking to view details of your annual overpayment allowance and transfer a lump sum to your mortgage account or contact one of our dedicated Mortgage Specialists on 0800 169 6333. If you do not hold a HSBC current or savings account, please contact your own bank to transfer a lump sum to your mortgage
  • Speak to us about how much you can overpay without a penalty
  • If you'd like to make regular overpayments by increasing the Direct Debit for your monthly mortgage payment, or if you'd rather reduce your monthly mortgage payment instead of looking to pay your mortgage off earlier, call one of our dedicated Mortgage Specialists on 0800 169 6333

Borrow more

If you are considering borrowing more money against your home, find out how much you could borrow.

Borrow a minimum of £10,000 and take advantage of our great rates. Unsure of which mortgage is right for you? Compare our mortgage products.

Please note, our HomeOwner Loans are available to both existing customers and those new customers to HSBC.

If any part of your HomeOwner Loan is to be used to refinance existing debt please read our Debt Consolidation Fact Sheet (PDF).

† Opening hours: Monday Friday 8am 6pm and Saturday 9am 5pm.

Important changes to your mortgage overpayment allowance

  • If your mortgage Offer Document was issued prior to the 27th September 2015 please read our Notice of Variation of your Agreement (PDF)
  • If your mortgage Offer Document was issued on or after the 27th September 2015 please refer to your Offer Document to see details of your annual overpayment allowance

Payments and Overpayments FAQs

What is the standard monthly payment and how is it calculated?

How can I arrange to make overpayments every month?

Can I overpay if my loan has Early Repayment Charges?

Can I make overpayments to reduce the term of my mortgage?

How often should I review my Flexible Payment Arrangement(s)?

Why is my final payment date showing as the date on my Offer Document when I've been overpaying?

I make regular overpayments through a Flexible Payment Arrangement with my monthly Direct Debit payment. Do I need to change anything following a change in the Bank of England base rate?

Why have my payments reduced following a Bank of England base rate increase?

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

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.



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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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


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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