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

A range of fees are payable when you take out an HSBC mortgage. Here the fees are explained and itemised. Click on the name of the fee to view details.

Show all explanations

  • Arrangement fee

    The fee charged by a lender to cover the administration involved with arranging the loan.

  • Service fee

    The fee charged by a lender who, with the customer's written consent, requests details from their existing mortgage lender.

  • Booking fee

    A non-refundable fee charged on some mortgages to secure a particular mortgage deal.

    You may be able to add some or all of the booking fee to your mortgage. Adding fees to your mortgage will mean that you will pay more interest over the term of the loan, than if you had chosen to pay the booking fees at the outset. If you would like to consider adding the booking fee to your mortgage, please call us or visit your local HSBC branch where we will be happy to discuss your requirements.

  • Building Survey and Valuation Report

    This is commissioned for the customer's information. It provides a full picture of the properties construction and condition. This includes subsidence, foundations, external walls, the history of the property and future maintenance.

  • Completion fee

    The lender charges this fee to cover the cost of electronically transferring the mortgage funds to the borrower.

  • Early Repayment Charge

    An Early Repayment Charge (ERC) is a charge you may have to pay if you repay the whole or part of your mortgage, by paying it back early (which includes if you move to a different product or move to a different lender) during a certain period.

    Customers with HSBC Fixed or Discount Rate Mortgages can make overpayments of up to 20% of their standard monthly payment, without incurring an Early Repayment Charge (ERC) provided that the overpayment is a regular monthly overpayment by direct debit rather than a one-off.

    For Fixed or Discount Rate mortgages, customers making overpayments outside of the above criteria will incur an ERC. An ERC will also apply where the customer repays, by any other method, the whole or part of their mortgage, over and above their standard monthly payment, during the fixed or discount rate period. The ERC will be 1% of the amount overpaid or repaid early multiplied by the number of years remaining of the fixed or discount rate period, reducing daily.

    For example: A customer paying off their full mortgage of GBP 100,000, who has 18 months (547 days) remaining on their fixed rate period. The ERC would be: GBP 100,000 x 1% divided by 365 x 547 days = GBP 1,498.63

    Early Repayment Charges do not apply to tracker rate mortgages.

  • Exit fee

    This is a closure administration fee payable to service providers when you fully repay your mortgage. HSBC do not currently charge an exit fee.

  • Fee Saver

    Fee Saver means no booking fee, no standard valuation fee, no completion fee. We will cover the cost of one standard valuation where this is required by HSBC as part of your mortgage application.

    Other fees and charges may be payable to other parties including, but not limited to legal fees and charges levied by your existing lender.

  • Homebuyers Survey and Valuation Report

    This is commissioned for the customer's information. It is designed as an economy package and so concentrates on defects and problems that are urgent or significant. It does not explore structural aspects or detail remedial works.

  • Legal fees

    These are the fees payable to your solicitor or licensed conveyancer.

    Learn more about your conveyancing options

  • Standard Valuation Report

    This report is solely for the purpose of arriving at a current market value to enable the lender to determine the amount of the advance. It should not be relied on by the customer to assess the suitability or saleability of the property.


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

Need to talk to us?

Our mortgage specialists are here to help.

Call us:
0800 028 3844

Textphone: 1800 10800 028 0126

Need to talk to us?

Our mortgage specialists are here to help.

Call us:

0800 028 3844

Textphone: 1800 10800 028 0126

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

Find a branch

† Lines are open 8am – 10pm everyday. Calls may be monitored and recorded.