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How to apply for a mortgage

We'll guide you through your application

Find out how to apply with HSBC

Applying for a mortgage or remortgaging with us is simple. First, you'll need a Decision in Principle (sometimes called an Agreement in Principle), and then you can apply for your mortgage.

Why get a Decision in Principle?

  • It'll give you a good idea of the amount you may be able to borrow

  • It's quick and easy

  • It won't impact your credit score

Step 1: Prepare your details

Here's an idea of what you'll need to get ready:

  • income details
  • employment details
  • outgoings

We'll let you know exactly what you'll need during the mortgage application process.


Think carefully before securing other debts against your home.
Your home may be repossessed if you do not keep up repayments on your mortgage.

Step 2: Get a Decision in Principle

Before you apply, you should make sure that:

  • you're a UK resident
  • you're aged 18 or over
  • you're not looking for a buy-to-let mortgage
  • your income is only received in GBP
  • the mortgage is for your main residence and you're not looking to borrow more for your current property
  • you're not a member of the armed forces
  • you're not purchasing through a government scheme, such as Help to Buy

If you're looking for a buy-to-let mortgage, or you don't meet all of the above criteria get your Decision in Principle here.

Or, if you're not a UK resident find out how to apply

Step 3: Apply for a mortgage

Once you've got your Decision in Principle, you can start your full mortgage application.

Apply online

Before you apply online check that:

  • you're comfortable choosing the right mortgage without our advice
  • you're happy for us not to assess the suitability of the mortgage you choose and you won't benefit from the protection provided by the Financial Conduct Authority

Apply with a mortgage adviser

You can also choose to apply with a mortgage adviser, by phone or in a branch. You'll receive advice on the most suitable mortgage for you, and you'll be guided through the mortgage process.

Give us a call to book your appointment on:

0800 169 6333

Lines open Monday to Saturday 8:00 to 20:00 and Sunday 9:00 to 18:00. Opening hours within the mortgage departments may vary.

Already started your mortgage application?

Easily track its progress, or update it online at any time.

You might also be interested in


Find out more about a Decision in Principle and what it could mean for you.


Use our quick calculator to find out how much you could borrow.


Work out how much your monthly payments could be.


Got a mortgage with us already? Find out how to make changes, borrow more, move home or switch rates.

It's easy to answer your query online. Visit our Help page to find out how.