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.
You can manage your mortgage with us and do any of the following through
Switch your mortgage deal
Make additional payments and overpayments
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
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. †
If you currently pay interest only, your standard monthly payment will be the amount you need to pay each month to cover the interest that has accrued on the capital balance of your loan. It is calculated using the capital balance at the end of each day.
If you currently pay both capital and interest (known as capital repayment), your standard monthly payment is the amount you need to pay each month to cover both the interest that has accrued on the capital balance of your loan and part of the capital. It is calculated so as to ensure that, if you make all of the required payments in full and on time, your loan will be repaid by the end of the term as shown on your Offer Document.
Yes you can subject to limitations. Please visit Personal Online Banking for details of your Annual Overpayment Allowance (AOA). As long as you don't go over your AOA for the year, you won't incur an Early Repayment Charge.
In order to reduce the term of your mortgage, you first need to ask us. This is for your protection as it enables us to confirm that you can afford to pay a higher amount for the remainder of the shorter term. Please call us on 0800 169 633 Option 1 (online applications) or Option 4 (new applications) if you would like to know more about what it involves. Opening hours: Monday - Sunday 8am - 10pm.
If you make overpayments to a loan with an Annual Overpayment Allowance (AOA), then you should review the amount you are paying at least once a year.
On the anniversary of when your interest rate was applied, your new AOA will be calculated. It is important to review both the AOA and your overpayments to ensure you don't incur any Early Repayment Charges. You can check your AOA by logging into Personal Online Banking and clicking the button by each loan account.
Loans on a fixed interest rate or on a discounted variable rate have an AOA which is reset on the anniversary of the date the loan was drawn down. You can make unlimited overpayments to a loan on any other type of rate without incurring an ERC. Please ask us if you are unsure.
When we recalculate your standard monthly payment for a loan on a capital repayment basis, it must always be based on the term set out in your Offer Document, so you always know the minimum standard payment you need to pay each month to ensure your loan is repaid by the agreed date.
If you currently pay interest only, your standard monthly payment will be the amount you need to pay each month to cover the interest that has accrued on the capital balance of your loan.
If you're making regular overpayments, you can always drop back to the standard monthly payment again if your circumstances change or if you have other priorities for your money.
If you wish to continue paying a higher amount so that your loan may be repaid sooner, you can do so by setting up a Flexible Payment Arrangement, or by increasing the amount of an existing one.
We won't change your Flexible Payment unless the new standard monthly payment required to repay the loan by the end of the term becomes higher than the amount you have asked us to collect each month.
For example, if you've arranged to always pay £500 per month and your standard monthly payment rises from £450 to £475 per month, we'll continue to collect £500. However, if the standard monthly payment rises to £550, we'll automatically collect £550 to keep the repayment of your loan on track.
If you want to change or cancel a Flexible Payment Arrangement please contact us online via 'My Messages' or call Mortgage Servicing on 03457 662255. Opening hours: Monday - Friday 8am - 6pm and Saturday 8am - 5.30pm.
This can occur if you've been making regular overpayments or have made lump sum reductions to your loan without asking us to recalculate your standard monthly payments.
Whenever the interest rate is changed, the standard monthly payments are automatically recalculated to the minimum amount required to repay the loan balance, at the revised interest rate, over the remainder of the original term.
As any previous overpayments will have reduced your loan balance, we don't need you to pay as much in future to repay the loan by the end of the agreed term.
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.
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
Call us on 0800 169 6333
† Lines are open 8am - 10pm everyday. Calls may be monitored and recorded.