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

Check how long the property has been on the market. Make sure you're fully aware of the task at hand. In an older property, you should be prepared for more unexpected costs - which adds onto your costs.


Ask the experts

Electricians, roofers, timber and damp specialists should charge very little for estimates and could be more beneficial to you than a surveyor in the early stages.



The costs of renovation projects always go way beyond your original estimate. So when you budget, most people recommend that you build in a contingency fund of at least 15%.


Managing the project

You can either manage your own project, or employ an independent project manager. They will liaise with the builder to ensure that work is carried out to a specification. Often their experience avoids unnecessary costs and saves you from having to be on site all the time. But if you decide to manage the project yourself, make sure you:

  • Get all quotes in advance, so you can calculate your expenditure
  • Never expect the scheduled timescales - things probably won't go as planned
  • Seek as much advice as possible from anyone with relevant experience
  • Are prepared to live in a building site (or caravan) during renovations


Employing tradesmen

Decide exactly what you want before you ask for any quotations and write a clear specification with full details of the work you need carried out. Good communication and a professional relationship with your builder are crucial if you want the project to run smoothly.


Energy saving improvements

The Green Deal could help you make energy-saving improvements to your property. Find out more about The Green Deal Government scheme.

HSBC mortgages

Please note, to apply for a HSBC mortgage for renovation purposes, properties must be habitable (i.e. have an internal kitchen and bathroom both of which are fully functioning). HSBC residential mortgage lending criteria applies.

Your property 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 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.

Back to top