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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Mortgages

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Applying for an HSBC mortgage

Your step-by-step guide to what you need to do and how long it will take

When you've found the home of your dreams and had your offer accepted, it's time to get a full decision on your mortgage application.

Ready to apply?

The process is slightly different depending on the route you chose and whether you want advice about your mortgage. Take a look at our step-by-step guides below to see what's involved .

Applying in branch with mortgage advice

1. Apply for 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. A soft credit check is not a full credit check but will include an enquiry against your credit history. When it comes to considering your application, we'll perform a full credit check, which may highlight anything in your credit history that would affect a mortgage application.

You'll receive a Decision in Principle certificate, which is useful to have if you're house hunting, to show Estate Agents that you're serious about buying a property.

Did you know? You can apply for a quick Decision in Principle online and continue the rest of your application at your local branch if you need advice. All you need to do is click on 'Apply online' then ensure that you select the option for advice when prompted.

2. Contact your branch to book a mortgage appointment

Once you have got a Decision in Principle online and your mortgage appointment is booked in branch, we'll normally ask you to provide some documents to support your application (eg, payslips, p60s, HMRC documents, accounts, bank statements, existing protection details). You can upload these documents before your appointment using our Mortgage Document Uploader service.

3. Appoint a legal representative (solicitor or licenced conveyancer)

Your Mortgage Advisor will explain the conveyancing options to you in your mortgage appointment. You will need to let us know which solicitor or licensed conveyancer you want to complete the necessary legal work involved in transferring the property to your name.

4. Valuation

A Standard Valuation will be completed on the property to make sure it is suitable security for the proposed mortgage. We may require a physical valuation to be carried out on the property, we will let you know if this is the case and a valuer will arrange a convenient date and time to visit the property.

5. Mortgage Offer

If your application is successful, we'll issue your Mortgage Offer.

6. Completion

Once all the legal checks have been completed by your solicitor or licenced conveyancer a completion date can be agreed - this is the date when the funds for your mortgage will be released.

Applying over the phone with mortgage advice

1. Apply for a Decision in Principle

Give us a call and we can take you through 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. A soft credit check is not a full credit check but will include an enquiry against your credit history. When it comes to considering your application, we'll perform a full credit check, which may highlight anything in your credit history that would affect a mortgage application. You'll receive a Decision in Principle certificate, which is useful to have if you're house hunting, to show Estate Agents that you're serious about buying a property.

Did you know? You can apply for a quick Decision in Principle online and continue the rest of your application with one of our phone advisors if you need advice. Our advisors should be able to find your application and carry on using the information you have already provided online. All you need to do is to click on 'Apply online' then ensure that you select the option for advice when prompted.

2. Call us to book a mortgage appointment

Once you have got a Decision in Principle online and your mortgage appointment is booked in, we'll normally ask you to provide some documents to support your application (eg, payslips, p60s, HMRC documents, accounts, bank statements, existing protection details). You can upload these documents before your appointment using our Mortgage Document Uploader service.

3. Appoint a legal representative (solicitor or licenced conveyancer)

Your Mortgage Advisor will explain the conveyancing options to you in your mortgage appointment. You will need to let us know which solicitor or licensed conveyancer you want to complete the necessary legal work involved in transferring the property to your name.

4. Valuation

A Standard Valuation will be completed on the property to make sure it is suitable security for the proposed mortgage. We may require a physical valuation to be carried out on the property, we will let you know if this is the case and a valuer will arrange a convenient date and time to visit the property.

5. Mortgage Offer

If your application is successful, we'll issue your Mortgage Offer.

6. Completion

Once all the legal checks have been completed by your solicitor or licenced conveyancer, a completion date can be agreed - this is the date when the funds for your mortgage will be released.

Applying online, without advice

1. Apply for your Decision in Principle

Simply complete your Decision in Principle online. 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. A soft credit check is not a full credit check but will include an enquiry against your credit history. When it comes to considering your application, we'll perform a full credit check, which may highlight anything in your credit history that would affect a mortgage application.

You'll receive a Decision in Principle certificate, which you'll be able to view and print immediately. This is useful to have if you're house hunting, to show Estate Agents that you're serious about buying a property.

2. Complete an application

You can complete your application online whenever it's convenient for you.

3. Appoint a legal representative (solicitor or licenced conveyancer)

You will need to let us know which solicitor or licensed conveyancer you want to complete the necessary legal work involved in transferring the property to your name.

4. Valuation

A Standard Valuation will be completed on the property to make sure it is suitable security for the proposed mortgage. We may require a physical valuation to be carried out on the property, we will let you know if this is the case and a valuer will arrange a convenient date and time to visit the property.

5. Mortgage Offer

If your application is successful, we'll issue your Mortgage Offer.

6. Completion

Once all the legal checks have been completed by your solicitor or licenced conveyancer, a completion date can be agreed - this is the date when the funds for your mortgage will be released.

What comes next?

We have two mortgage calculators to help you get closer to buying your dream home. After using these, you can visit our 'Apply page' to find out the different ways you can apply.

How much could you borrow

Find a Mortgage calculator

How you can apply

Saving up for a deposit for your first home?
Have you considered a Help to Buy Isa?

Open an HSBC Help to Buy: ISA and the UK Government will reward you with an additional 25% of the amount you save, up to a maximum of £3,000. Save up to £200 per calendar month. Interest is tax-free. You can save an additional £1,000 in the first month to help get you started.

Find out more

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

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