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.
Lines are open Monday to Saturday 08:00 to 20:00, Sunday 09:00 to 18:00. We may monitor and record calls. Opening hours within the mortgage departments may vary.
You can take your documents to your local branch if you prefer, or send them to us by post. However, this is likely to delay your application.
Call 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 permanent 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:
Shift allowance1
Latest 6 payslips
Latest 6 payslips
Latest 3 payslips
Latest 3 payslips
Latest 4 equivalent payslips or award letters showing payment.
The payslips or award letters must include a payment received on or after 1 January 2021.
Latest 4 equivalent payslips or award letters showing payment.
The payslips or award letters must include a payment received on or after 1 January 2021.
Latest 2 equivalent payslips or award letters showing payment.
The payslips or award letters must include a payment received on or after 1 January 2021.
Shift allowance1
Latest 6 payslips
Latest 6 payslips
Latest 3 payslips
Latest 3 payslips
Latest 4 equivalent payslips or award letters showing payment.
The payslips or award letters must include a payment received on or after 1 January 2021.
Latest 4 equivalent payslips or award letters showing payment.
The payslips or award letters must include a payment received on or after 1 January 2021.
Latest 2 equivalent payslips or award letters showing payment.
The payslips or award letters must include a payment received on or after 1 January 2021.
Government income support scheme changes, effective from 01 November 2020:
- the government will no longer provide furlough income under the Coronavirus Job Retention Scheme
- the government will instead offer income support through the Job Support Scheme
How does this impact your application?
When we process your application, we’ll assess the hours you worked, as evidenced in your latest payslip.
For joint applications, we’ll assess the payslips of both applicants to work out the combined earned income.
If you're completing your application online, your gross annual income will be 12 times the amount earned on your monthly payslip.
If your circumstances have recently changed, you can submit your application when you have a more up-to-date payslip.
How we’ll use your payslip:
- if your working hours have recently increased, we’ll need to see this evidenced in your payslip
- if your payslip includes only furlough scheme income, your earned income will be £0
- if your payslip includes earned income and furlough or Job Support Scheme income, we’ll only include your earned income in our assessment
Self-employed
| Sole trader or partnership (including LLPs with fewer than 200 partners) |
Last 2 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 |
A letter from the company finance director or accountant detailing your earnings over the past 2 years, dated within the last 3 months |
| Limited company director with 25% or more shareholding | Your last 2 years' finalised accounts, the most recent of which must be no more than 18 months old
|
| Limited company director with less than 25% shareholding | We'll consider you to be employed - please go to the 'Permanent employment' section |
| Sole trader or partnership (including LLPs with fewer than 200 partners) |
Limited Liability Partnership (LLPs) with 200 or more partner |
|---|---|
Last 2 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 |
A letter from the company finance director or accountant detailing your earnings over the past 2 years, dated within the last 3 months |
| Sole trader or partnership (including LLPs with fewer than 200 partners) |
Limited company director with 25% or more shareholding |
Last 2 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 |
Your last 2 years' finalised accounts, the most recent of which must be no more than 18 months old
|
| Sole trader or partnership (including LLPs with fewer than 200 partners) |
Limited company director with less than 25% shareholding |
Last 2 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 |
For all self-employed applications, we need the following extra documents at the moment because of coronavirus:
- January, February or March 2020 business bank statements (or personal account statements if used for business purposes)
- the last 60 days’ worth of business bank statements (or personal account statements if used for business purposes), dated within a week of your application
An online statement or screen shot is acceptable.
Contractor
Sub-Contractors:
Contractors who will pay their own tax will be treated as self employed.
Sole traders and partnerships:
Refer to the self-employed table above for sole traders and partnerships (including LLPs with fewer than 200 partners).
Limited companies:
Refer to the self-employed table above for limited company directors with 25% or more shareholding and limited company directors with less than 25% 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.
Sale of other property - not your primary residence or the property this mortgage is for
Based on 75% of the current property value, less any outstanding secured borrowing.
- mortgage statement or offer document dated within the last 35 days, if applicable. An internet print/statement is acceptable.
- solicitor's letter confirming ownership of the second property or copy of the Register of Title from the Land Registry, Registers of Scotland etc.
- a professional valuation by an RICS surveyor or suitable automated valuation dated within the last 12 months.
Endowment policy
Based on the lowest projection in the annual endowment policy statement.
UK sterling cash savings (Savings, Investments, Cash ISA, Premium Bonds, Sharesave)
Based on 100% of existing cash savings held in a UK savings/bank account, Cash ISA or Premium Bonds.
UK-based Stocks and Shares ISA
Based on 50% of the value shown on the latest account statement.
Other UK-based investments - Unit Trust, OEIC, Investment Bonds, Shares, Gilts
Based on 50% of the value shown on the latest account statement.
Ad hoc/Regular repayment of capital - the application of earnings (guaranteed or variable) to reduce the mortgage balance or to build savings over the mortgage term.
Based on 25% of the annual average of any variable income (e.g. work bonuses) and 100% of any guaranteed income.
Variable Income will only be acceptable if paid weekly, fortnightly, four weekly or monthly.
Documentary evidence of the source and regularity of income will be required in line with income. See ‘Source of Income’ tab.
Sale of other property - not your primary residence or the property this mortgage is for
Based on 75% of the current property value, less any outstanding secured borrowing.
- mortgage statement or offer document dated within the last 35 days, if applicable. An internet print/statement is acceptable.
- solicitor's letter confirming ownership of the second property or copy of the Register of Title from the Land Registry, Registers of Scotland etc.
- a professional valuation by an RICS surveyor or suitable automated valuation dated within the last 12 months.
Endowment policy
Based on the lowest projection in the annual endowment policy statement.
UK sterling cash savings (Savings, Investments, Cash ISA, Premium Bonds, Sharesave)
Based on 100% of existing cash savings held in a UK savings/bank account, Cash ISA or Premium Bonds.
UK-based Stocks and Shares ISA
Based on 50% of the value shown on the latest account statement.
Other UK-based investments - Unit Trust, OEIC, Investment Bonds, Shares, Gilts
Based on 50% of the value shown on the latest account statement.
Ad hoc/Regular repayment of capital - the application of earnings (guaranteed or variable) to reduce the mortgage balance or to build savings over the mortgage term.
Based on 25% of the annual average of any variable income (e.g. work bonuses) and 100% of any guaranteed income.
Variable Income will only be acceptable if paid weekly, fortnightly, four weekly or monthly.
Documentary evidence of the source and regularity of income will be required in line with income. See ‘Source of Income’ tab.
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
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.
Source of income
Permanent employment
If you are in permanent 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:
Shift allowance1
Latest 6 payslips
Latest 6 payslips
Latest 3 payslips
Latest 3 payslips
Latest 4 equivalent payslips or award letters showing payment.
The payslips or award letters must include a payment received on or after 1 January 2021.
Latest 4 equivalent payslips or award letters showing payment.
The payslips or award letters must include a payment received on or after 1 January 2021.
Latest 2 equivalent payslips or award letters showing payment.
The payslips or award letters must include a payment received on or after 1 January 2021.
Shift allowance1
Latest 6 payslips
Latest 6 payslips
Latest 3 payslips
Latest 3 payslips
Latest 4 equivalent payslips or award letters showing payment.
The payslips or award letters must include a payment received on or after 1 January 2021.
Latest 4 equivalent payslips or award letters showing payment.
The payslips or award letters must include a payment received on or after 1 January 2021.
Latest 2 equivalent payslips or award letters showing payment.
The payslips or award letters must include a payment received on or after 1 January 2021.
Government income support scheme changes, effective from 01 November 2020:
- the government will no longer provide furlough income under the Coronavirus Job Retention Scheme
- the government will instead offer income support through the Job Support Scheme
How does this impact your application?
When we process your application, we’ll assess the hours you worked, as evidenced in your latest payslip.
For joint applications, we’ll assess the payslips of both applicants to work out the combined earned income.
If you're completing your application online, your gross annual income will be 12 times the amount earned on your monthly payslip.
If your circumstances have recently changed, you can submit your application when you have a more up-to-date payslip.
How we’ll use your payslip:
- if your working hours have recently increased, we’ll need to see this evidenced in your payslip
- if your payslip includes only furlough scheme income, your earned income will be £0
- if your payslip includes earned income and furlough or Job Support Scheme income, we’ll only include your earned income in our assessment
Self-employed
| Sole trader or partnership (including LLPs with fewer than 200 partners) |
Last 2 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 |
A letter from the company finance director or accountant detailing your earnings over the past 2 years, dated within the last 3 months |
| Limited company director with 25% or more shareholding | Your last 2 years' finalised accounts, the most recent of which must be no more than 18 months old
|
| Limited company director with less than 25% shareholding | We'll consider you to be employed - please go to the 'Permanent employment' section |
| Sole trader or partnership (including LLPs with fewer than 200 partners) |
Limited Liability Partnership (LLPs) with 200 or more partner |
|---|---|
Last 2 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 |
A letter from the company finance director or accountant detailing your earnings over the past 2 years, dated within the last 3 months |
| Sole trader or partnership (including LLPs with fewer than 200 partners) |
Limited company director with 25% or more shareholding |
Last 2 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 |
Your last 2 years' finalised accounts, the most recent of which must be no more than 18 months old
|
| Sole trader or partnership (including LLPs with fewer than 200 partners) |
Limited company director with less than 25% shareholding |
Last 2 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 |
For all self-employed applications, we need the following extra documents at the moment because of coronavirus:
- January, February or March 2020 business bank statements (or personal account statements if used for business purposes)
- the last 60 days’ worth of business bank statements (or personal account statements if used for business purposes), dated within a week of your application
An online statement or screen shot is acceptable.
Contractor
Sub-Contractors:
Contractors who will pay their own tax will be treated as self employed.
Sole traders and partnerships:
Refer to the self-employed table above for sole traders and partnerships (including LLPs with fewer than 200 partners).
Limited companies:
Refer to the self-employed table above for limited company directors with 25% or more shareholding and limited company directors with less than 25% shareholding.
Interest-only mortgages
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.
Sale of other property - not your primary residence or the property this mortgage is for
Based on 75% of the current property value, less any outstanding secured borrowing.
- mortgage statement or offer document dated within the last 35 days, if applicable. An internet print/statement is acceptable.
- solicitor's letter confirming ownership of the second property or copy of the Register of Title from the Land Registry, Registers of Scotland etc.
- a professional valuation by an RICS surveyor or suitable automated valuation dated within the last 12 months.
Endowment policy
Based on the lowest projection in the annual endowment policy statement.
UK sterling cash savings (Savings, Investments, Cash ISA, Premium Bonds, Sharesave)
Based on 100% of existing cash savings held in a UK savings/bank account, Cash ISA or Premium Bonds.
UK-based Stocks and Shares ISA
Based on 50% of the value shown on the latest account statement.
Other UK-based investments - Unit Trust, OEIC, Investment Bonds, Shares, Gilts
Based on 50% of the value shown on the latest account statement.
Ad hoc/Regular repayment of capital - the application of earnings (guaranteed or variable) to reduce the mortgage balance or to build savings over the mortgage term.
Based on 25% of the annual average of any variable income (e.g. work bonuses) and 100% of any guaranteed income.
Variable Income will only be acceptable if paid weekly, fortnightly, four weekly or monthly.
Documentary evidence of the source and regularity of income will be required in line with income. See ‘Source of Income’ tab.
Sale of other property - not your primary residence or the property this mortgage is for
Based on 75% of the current property value, less any outstanding secured borrowing.
- mortgage statement or offer document dated within the last 35 days, if applicable. An internet print/statement is acceptable.
- solicitor's letter confirming ownership of the second property or copy of the Register of Title from the Land Registry, Registers of Scotland etc.
- a professional valuation by an RICS surveyor or suitable automated valuation dated within the last 12 months.
Endowment policy
Based on the lowest projection in the annual endowment policy statement.
UK sterling cash savings (Savings, Investments, Cash ISA, Premium Bonds, Sharesave)
Based on 100% of existing cash savings held in a UK savings/bank account, Cash ISA or Premium Bonds.
UK-based Stocks and Shares ISA
Based on 50% of the value shown on the latest account statement.
Other UK-based investments - Unit Trust, OEIC, Investment Bonds, Shares, Gilts
Based on 50% of the value shown on the latest account statement.
Ad hoc/Regular repayment of capital - the application of earnings (guaranteed or variable) to reduce the mortgage balance or to build savings over the mortgage term.
Based on 25% of the annual average of any variable income (e.g. work bonuses) and 100% of any guaranteed income.
Variable Income will only be acceptable if paid weekly, fortnightly, four weekly or monthly.
Documentary evidence of the source and regularity of income will be required in line with income. See ‘Source of Income’ tab.
Foreign nationals
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
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.
How to apply
New application
Applying for a mortgage involves two stages, firstly getting a Decision in Principle; secondly making a mortgage application.
Already started an application?
If you started a mortgage application over the phone or online, you can log on to complete it or track its progress.
Think carefully before securing other debts against your home.
Your home may be repossessed if you do not keep up repayments on your mortgage.