As part of the mortgage application process, we'll ask you to provide some documents to support your application. Depending on your personal circumstances, additional documents may also be requested.
Applying for a HSBC mortgage?
We'll send you a link by email to our secure document uploader. This will explain how you can provide your documents to us electronically.
If you haven't provided an email address, please call us on 0800 169 6333† so we can register you for this. Alternatively, you can take your documents to your local branch, or send them to us by post. However this is likely to delay your application.
Contact us
Proof of name and address
We may ask to see a full, valid, UK photocard driving licence, or one of the following:
- proof of identity - Passport, driving licence or any National Identity Card (EEA and Swiss Nationals only)
- proof of address - A non-HSBC bank statement or a utility bill dated within the last four months
Bank statements
In most cases we won’t need to see your bank statements. If we do, we’ll let you know directly.
We may have to ask to see your latest month’s bank statements for:
- non-HSBC current accounts
- international HSBC accounts
- Jersey and expat HSBC accounts
If you make less frequent, regular payments, such as term school fees, we may ask to see your bank statements over a longer period.
Evidence of deposit
We may need to see evidence of any deposit you're planning to make towards the property. You'll be notified about this depending on your circumstances.
Where your deposit is being gifted by a family member, your Solicitor will need to obtain a letter from the donor confirming the deposit is a non-refundable and unconditional gift and that no interest is being claimed in the property.
Permanent employment
If you are in full time employment we'll need to see evidence of your income. The table below summarises the documents we'll need, depending on how frequently you're paid:
Bonus/Overtime/Commission/
Shift Allowance
Latest 6 payslips
or
Latest 4 payslips and latest P60
Latest 6 payslips
or
Latest 2 payslips and latest P60
Latest 3 payslips
or
Latest payslip and P60
Latest 3 payslips
or
Latest payslip and P60
Bonus/Overtime/Commission/
Shift Allowance
Latest 6 payslips
or
Latest 4 payslips and latest P60
Latest 6 payslips
or
Latest 2 payslips and latest P60
Latest 3 payslips
or
Latest payslip and P60
Latest 3 payslips
or
Latest payslip and P60
Self-employed
| Sole Trader / Partnership (including LLPs with less than 200 partners) |
Last two years Tax Calculation* and corresponding Tax Year Overview (*Tax Calculation can be an online print out from HMRC website, an SA302 or a summary produced by your accountant and submitted to HMRC).
Please note: The latest HMRC documentation/accounts must be dated within the last 18 months |
|---|---|
| Limited Liability Partnership (LLPs) with 200 or more partner |
|
| Limited Company Director with 25 per cent or more shareholding |
|
| Limited Company Director with less than 25 per cent shareholding |
We'll consider you to be employed - please go to the 'Permanent employment' section |
| Sole Trader / Partnership (including LLPs with less than 200 partners)
|
Limited Liability Partnership (LLPs) with 200 or more partner |
|---|---|
Last two years Tax Calculation* and corresponding Tax Year Overview (*Tax Calculation can be an online print out from HMRC website, an SA302 or a summary produced by your accountant and submitted to HMRC).
Please note: The latest HMRC documentation/accounts must be dated within the last 18 months |
|
| Sole Trader / Partnership (including LLPs with less than 200 partners)
|
Limited Company Director with 25 per cent or more shareholding |
Last two years Tax Calculation* and corresponding Tax Year Overview (*Tax Calculation can be an online print out from HMRC website, an SA302 or a summary produced by your accountant and submitted to HMRC).
Please note: The latest HMRC documentation/accounts must be dated within the last 18 months |
|
| Sole Trader / Partnership (including LLPs with less than 200 partners)
|
Limited Company Director with less than 25 per cent shareholding |
Last two years Tax Calculation* and corresponding Tax Year Overview (*Tax Calculation can be an online print out from HMRC website, an SA302 or a summary produced by your accountant and submitted to HMRC).
Please note: The latest HMRC documentation/accounts must be dated within the last 18 months |
We'll consider you to be employed - please go to the 'Permanent employment' section |
Contractor
Sub-Contractors
Contractors who will pay their own tax will be treated as self employed.
Sole Trader/Partnerships:
Refer to the Self employed table above for Sole Traders/Partnerships (including LLP with fewer than 200 partners)
Limited Companies:
Refer to the Self employed table above for Limited Company Director with 25 per cent or more shareholding or Limited Company Director with less than 25 per cent shareholding.
With an interest-only mortgage, your monthly payment covers only the interest on your loan.
You're responsible for making your own arrangements to repay the capital by the end of the mortgage term, and you'll need to provide evidence that you can do so.
- Mortgage statement or Offer Document dated within the last 12 months, if applicable
- Solicitor's letter confirming ownership of the second property
- A professional valuation by an RICS Surveyor or suitable Automated Valuation Model dated within the last 12 months
- Mortgage statement or Offer Document dated within the last 12 months, if applicable
- Solicitor's letter confirming ownership of the second property
- A professional valuation by an RICS Surveyor or suitable Automated Valuation Model dated within the last 12 months
If you have Indefinite Leave to Remain/Enter in the UK or a right of abode, you must prove your residency in the UK by providing either:
- a current valid passport showing a visa stamp
- a certificate of entitlement
- a UK residency permit
- or a letter from the Border and Immigration Agency/Home Office confirming residency/right to abode
If you don't have Indefinite Leave to Remain/Enter in the UK or a right of abode, you must prove you've:
- Lived and worked in the UK for a minimum of 12 months at the point of application by providing a current valid passport with visa stamp or work visa showing date of entry into the UK;
- PLUS evidence of 12 months employment in the UK, for example, a contract of employment
- AND a work permit or visa showing entitlement to live and work in the UK with at least 12 months remaining until expiry
For all applications
Expanded press enter to collapse Collapsed press enter to expandProof of name and address
We may ask to see a full, valid, UK photocard driving licence, or one of the following:
- proof of identity - Passport, driving licence or any National Identity Card (EEA and Swiss Nationals only)
- proof of address - A non-HSBC bank statement or a utility bill dated within the last four months
Bank statements
In most cases we won’t need to see your bank statements. If we do, we’ll let you know directly.
We may have to ask to see your latest month’s bank statements for:
- non-HSBC current accounts
- international HSBC accounts
- Jersey and expat HSBC accounts
If you make less frequent, regular payments, such as term school fees, we may ask to see your bank statements over a longer period.
Evidence of deposit
We may need to see evidence of any deposit you're planning to make towards the property. You'll be notified about this depending on your circumstances.
Where your deposit is being gifted by a family member, your Solicitor will need to obtain a letter from the donor confirming the deposit is a non-refundable and unconditional gift and that no interest is being claimed in the property.
Source of income
Expanded press enter to collapse Collapsed press enter to expandPermanent employment
If you are in full time employment we'll need to see evidence of your income. The table below summarises the documents we'll need, depending on how frequently you're paid:
Bonus/Overtime/Commission/
Shift Allowance
Latest 6 payslips
or
Latest 4 payslips and latest P60
Latest 6 payslips
or
Latest 2 payslips and latest P60
Latest 3 payslips
or
Latest payslip and P60
Latest 3 payslips
or
Latest payslip and P60
Bonus/Overtime/Commission/
Shift Allowance
Latest 6 payslips
or
Latest 4 payslips and latest P60
Latest 6 payslips
or
Latest 2 payslips and latest P60
Latest 3 payslips
or
Latest payslip and P60
Latest 3 payslips
or
Latest payslip and P60
Self-employed
| Sole Trader / Partnership (including LLPs with less than 200 partners) |
Last two years Tax Calculation* and corresponding Tax Year Overview (*Tax Calculation can be an online print out from HMRC website, an SA302 or a summary produced by your accountant and submitted to HMRC).
Please note: The latest HMRC documentation/accounts must be dated within the last 18 months |
|---|---|
| Limited Liability Partnership (LLPs) with 200 or more partner |
|
| Limited Company Director with 25 per cent or more shareholding |
|
| Limited Company Director with less than 25 per cent shareholding |
We'll consider you to be employed - please go to the 'Permanent employment' section |
| Sole Trader / Partnership (including LLPs with less than 200 partners)
|
Limited Liability Partnership (LLPs) with 200 or more partner |
|---|---|
Last two years Tax Calculation* and corresponding Tax Year Overview (*Tax Calculation can be an online print out from HMRC website, an SA302 or a summary produced by your accountant and submitted to HMRC).
Please note: The latest HMRC documentation/accounts must be dated within the last 18 months |
|
| Sole Trader / Partnership (including LLPs with less than 200 partners)
|
Limited Company Director with 25 per cent or more shareholding |
Last two years Tax Calculation* and corresponding Tax Year Overview (*Tax Calculation can be an online print out from HMRC website, an SA302 or a summary produced by your accountant and submitted to HMRC).
Please note: The latest HMRC documentation/accounts must be dated within the last 18 months |
|
| Sole Trader / Partnership (including LLPs with less than 200 partners)
|
Limited Company Director with less than 25 per cent shareholding |
Last two years Tax Calculation* and corresponding Tax Year Overview (*Tax Calculation can be an online print out from HMRC website, an SA302 or a summary produced by your accountant and submitted to HMRC).
Please note: The latest HMRC documentation/accounts must be dated within the last 18 months |
We'll consider you to be employed - please go to the 'Permanent employment' section |
Contractor
Sub-Contractors
Contractors who will pay their own tax will be treated as self employed.
Sole Trader/Partnerships:
Refer to the Self employed table above for Sole Traders/Partnerships (including LLP with fewer than 200 partners)
Limited Companies:
Refer to the Self employed table above for Limited Company Director with 25 per cent or more shareholding or Limited Company Director with less than 25 per cent shareholding.
Interest-only mortgages
Expanded press enter to collapse Collapsed press enter to expandWith an interest-only mortgage, your monthly payment covers only the interest on your loan.
You're responsible for making your own arrangements to repay the capital by the end of the mortgage term, and you'll need to provide evidence that you can do so.
- Mortgage statement or Offer Document dated within the last 12 months, if applicable
- Solicitor's letter confirming ownership of the second property
- A professional valuation by an RICS Surveyor or suitable Automated Valuation Model dated within the last 12 months
- Mortgage statement or Offer Document dated within the last 12 months, if applicable
- Solicitor's letter confirming ownership of the second property
- A professional valuation by an RICS Surveyor or suitable Automated Valuation Model dated within the last 12 months
Foreign nationals
Expanded press enter to collapse Collapsed press enter to expandIf you have Indefinite Leave to Remain/Enter in the UK or a right of abode, you must prove your residency in the UK by providing either:
- a current valid passport showing a visa stamp
- a certificate of entitlement
- a UK residency permit
- or a letter from the Border and Immigration Agency/Home Office confirming residency/right to abode
If you don't have Indefinite Leave to Remain/Enter in the UK or a right of abode, you must prove you've:
- Lived and worked in the UK for a minimum of 12 months at the point of application by providing a current valid passport with visa stamp or work visa showing date of entry into the UK;
- PLUS evidence of 12 months employment in the UK, for example, a contract of employment
- AND a work permit or visa showing entitlement to live and work in the UK with at least 12 months remaining until expiry
Are your documents in a language other than in English?
Any documents not in the English language must be translated to English prior to submission. This should be completed by a recognised translation service and accompanied by a confirmation on headed paper.
Think carefully before securing other debts against your home.
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.