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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Buying your first home is an exciting time and is likely to involve some of the most important financial decisions you'll ever make. However, the process doesn't have to be difficult. That's why it's important to get the correct advice and be equipped with as much information as possible and our useful Homebuyer's Guide is there to help you on your journey to becoming a homeowner.

At HSBC we offer two types of mortgages for first time buyers:

1. Fixed rate mortgages

These provide the security of fixed mortgage payments until an agreed date, no matter what happens to interest rates.

2. Tracker rate mortgages

With these mortgages, the interest rate you pay is variable and is an agreed percentage above the Bank of England's Base rate. As the Base Rate rises and falls, your interest rate will track these changes, and this will effect your monthly payments accordingly.

An Early Repayment Charge (ERC) applies to some of our products. You'll have an annual overpayment allowance during the year when the ERC applies. The annual overpayment allowance is the maximum amount you'll be able to overpay on top of your monthly payments. If you exceed your annual overpayments allowance, you will be charged an ERC on the overpayment you made which exceeded your annual overpayment allowance.

If an ERC is applicable an illustration of this will be displayed on both your Key Facts Illustration (KFI) and your Mortgage Offer.

For more information read our article on understanding the different mortgages HSBC offer.

Ready to get started with a mortgage application?

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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.



Step 1 - Call us to get a Decision in Principle.
Step 2 - Provide us with your supporting documents.
Step 3 - Arrange an appointment with a Mortgage Advisor who will provide you with advice and guide you through your application.

0800 169 6333

0800 169 6333

Textphone: 1800 10800 028

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Step 1 - Visit your local branch and get a Decision in Principle.
Step 2 - Arrange an appointment with a Mortgage Advisor and provide us with your supporting documents.
Step 3 - Your Mortgage Advisor will provide you with advice and guide you through your application.

Find a branch


Step 1 - Get a Decision in Principle online now.
Step 2 - You can choose to receive mortgage advice after receiving your Decision in Principle or, if you already know which mortgage you wish to apply for, you can complete your application entirely online, however you will not receive advice.

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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