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
 

Register with estate agents in the areas where you want to buy and also use the Internet to search for properties. Many sites are now specifically designed for fast property searches, where you can enter your price range, number of rooms, and other specifications to narrow down your search.

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  • Viewing properties

    View prospective properties as quickly as possible, so you don't lose out. If you are buying with someone else, spread the responsibilities. Remember, the more properties you view, the more likely you are to find your dream home. Be ruthless in eliminating all but the strongest property candidates that make your list.

  • Assessing your property

    All lenders require a basic valuation, we advise that you consider an independent survey carried out to check that the property is structurally sound and to pick up any problems. And if you're thinking of renovating, visit the property with tradesmen to find out exactly what challenges (and costs) you could be taking on.

  • Making an offer

    It is important that your offer is "subject to contract and to survey". This means a survey must be satisfactorily completed and signed contracts must be exchanged before the offer is legally binding. Your offer should also be subject to the property being taken off the market immediately to prevent gazumping. A 'sold' board outside is a good way to dissuade other offers - and ensure that any web adverts for the property are removed promptly.

  • Property chains

    As many as one in three property chains fall apart. The reasons for this are numerous and range from one party not having their finances in order, to an unpleasant surprise in the survey. Under present British house buying and selling practice, little can be done to alter the process. Good communication is possibly the best way to ensure the chain moves forward smoothly. Stay in regular contact with your licensed conveyancer/solicitor and the estate agent to make sure everything possible is being done to push things along. It also helps to stay flexible. Be prepared to sell first, then rent or stay with family temporarily, if it means you can keep the chain going.

  • Gazumping

    Gazumping is the term used when one buyer puts in a higher offer than one that has already been accepted in an attempt to secure the purchase. This is only illegal in Scotland, where the laws protect the buyer. And under the Estate Agency Act, estate agents are obliged to pass on all offers they receive, so they can do little to stop the process. To lessen the chances of gazumping, or at least reduce the impact, request that the property is removed from the market as soon as your offer is accepted. Be flexible with the vendor and don't quibble over minor points. Make it clear you're willing to complete the purchase on their timescale. And, above all, be nice to them – if you develop a good relationship, it'll be harder for them to let you down.

Bath

Your property or home may be repossessed if you do not keep up repayments on your mortgage.

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Need to talk to us?

Our mortgage specialists are here to help.

Call us:
0800 169 6333

Textphone: 1800 10800 028 0126

Need to talk to us?

Our mortgage specialists are here to help.



Call us:

0800 169 6333

Textphone: 1800 10800 028 0126



If you would like a face-to-face chat, just pop in to a branch.

Find a branch

† 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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