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

First Time Buyer Mortgage

Applying for a mortgage involves two stages, firstly getting a Decision in Principle and secondly making a mortgage application.

What is a Decision in Principle?
A Decision in Principle will give you an indication of the amount you may be able to borrow based on what you tell us and our security checks, including a soft credit check. We will need to make an enquiry against your credit history, however this is not a full credit check and will not appear on your credit file. A full credit check will only be completed when you apply for a mortgage.

To obtain a Decision in Principle, you need to provide us with some basic details about you, your employment, your financial commitments and information about the property.
Please note, a Decision in Principle does not constitute as an offer to lend to you and does not mean you are committing to apply for a HSBC mortgage.

If you're happy with the Decision in Principle, you can apply for a mortgage.

We have three ways in which you can get a Decision in Principle and apply for a mortgage:


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

0800 169 6333†
Textphone: 1800 10800 028†

Find out more


Step 1 - Visit your local branch.
Step 2 - Get a Decision in Principle.
Step 3 - Arrange an appointment with a Mortgage Advisor who 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


Whether you started over the phone or online, you can see how your mortgage application is progressing here. To log in all you'll need is the username you were given when you started your application and the password you created.



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

† 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.

Back to top