Applying For A Mortgage

Applying for a mortgage with HSBC is simple. It involves two key stages: getting a Decision in Principle (sometimes called an Agreement in Principle), then making a mortgage application.

Things you need to know when applying for a mortgage during the coronavirus outbreak

If your income has been affected by COVID-19, we've made some temporary changes to how we'll assess it.

Your affordability for your application will be based on the hours you worked, as evidenced in your latest payslip. We will not include any furlough or job support income in your application.

We’ll assess what you can afford by reviewing your latest payslip and the hours you’ve worked. We will not include any furlough or job support income in your application.

If your working hours have recently changed, your payslip will need to evidence this. We’ll then include any additional worked hours in our assessment.

For joint applications, we’ll assess the payslips of both applicants to work out your

combined income.

If you’re applying online:

You’ll need to calculate your gross annual income based on the hours worked in your payslip. As there are 52 weeks in a year:

for monthly payslips, 12 times the earned amount from hours worked
for four weekly payslips, 13 times the earned amount from hours worked
for bi-weekly payslips, 26 times the earned amount from hours worked
for weekly payslips, 52 times the earned amount from hours worked

Due to the coronavirus, we’re directing all applicants with any form of self-employed income to apply by telephone or attend a video appointment using Zoom.

You can find out how much you may be able to borrow by completing a Decision in Principle online. Once you’re ready to complete your full application, you’ll need to contact us to book an appointment.

Getting your Decision in Principle

Applying for a Decision in Principle can be done online or you can speak to one of our mortgage advisors.

a Decision in Principle will give you an indication of the amount you may be able to borrow based on what you tell us and our security checks, including a soft credit check. A soft credit check will include an initial enquiry against your credit history and it will have no impact on your credit score. This won’t be seen in searches by other companies
when it comes to considering your application, we'll perform a full credit check, which may highlight anything in your credit history that would affect a mortgage application. A full credit check is a complete check against your credit history which is recorded on your credit file and is visible in searches by other companies
a Decision in Principle is useful to have if you are house hunting, to show estate agents that you’re serious about buying a property. Please note a Decision in Principle is not an offer to lend to you and does not mean you are committing to apply for a HSBC mortgage

Get a Decision in Principle now

After receiving your Decision in Principle you can choose to receive mortgage advice or, if you already know which mortgage you wish to apply for, you can complete your application entirely online, however, you will not receive advice.

If you are a non-UK resident, you won’t be able to apply online. Find out how to progress

Due to the coronavirus, we’re directing all applicants with any form of self-employed income to apply by telephone or attend a video appointment using Zoom.

You can complete your Decision in Principle online, then call us to book an appointment with one our mortgage advisors.

There's currently a temporary Stamp Duty holiday for homebuyers in England and Northern Ireland. Learn more about Stamp Duty.

This Stamp Duty holiday is due to end on 30 June 2021.

It’s important that you’re aware of the following information:

we can’t guarantee your purchase will complete by 30 June 2021
if you choose to use a non-HSBC panel conveyancer, this may result in a longer transaction length when compared with using a HSBC panel conveyancer
if your purchase does not complete before the end of the Stamp Duty holiday, you may need to pay Stamp Duty
your chosen conveyancer will be able to advise you of any impact the end of the Stamp Duty holiday may have on your purchase

Are you applying online as:

A new customer
An existing customer who is not registered for Online Banking

Get started

Existing HSBC customer who is registered for Online Banking

Log on to get started This link will open in a new window

Speak to one of our mortgage advisors to get a Decision in Principle^†

0800 169 6333^†

Textphone: 1 8001 0800 028^†

Once you’ve got your Decision in Principle – you can apply for a mortgage. Call us to book an appointment with one of our mortgage advisors, or you can apply online.

You will be asked to provide relevant documents to support your application.

If you are a non-UK resident, you won’t be able to apply online. Find out how to progress

Online

Step 1 - Log on to apply. Please note, you won't receive advice when you apply online.

Step 2 - After your application, we'll contact you to submit your supporting documents through our secure document uploader.

Continue online application

Due to the coronavirus outbreak we are experiencing more calls than usual, so our wait times may be longer.

By Phone

Step 1 - Provide us with your supporting documents. View the supporting documents which will be required and book an appointment with a Mortgage Advisor.

Step 2 - Your Mortgage Advisor will provide you with advice and guide you through your application.

Call us

0800 169 6333¹

Textphone: 1 8001 0800 028¹

Instead of visiting a branch during the coronavirus outbreak, you can get a Decision in Principle online or call us for support.

If you've already got your Decision in Principle, you can book a Zoom video appointment with one of our mortgage advisers to complete your application.

Call us

0800 169 6333 ¹

Textphone: 1 8001 0800 028¹

Think carefully before securing other debts against your home.

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

What happens next?

Once you’ve submitted your documents to support your application, the following are the key next steps:

we’ll arrange a valuation of the property
if your mortgage application is approved, we’ll send you an offer
after this, the legal work will be conducted
once all the legal work is finished, your HSBC mortgage will be complete

Existing customer switching rates

If you're an existing HSBC mortgage customer interested in switching to a new mortgage rate, we can help you look at your options.

Switch mortgages to a new mortgage rate

Already applied?

Started a mortgage application with a mortgage advisor or online? Log in to complete your application or track its progress.

Continue your application

Please see our current rates and any mortgage fees that may apply.

¹ Lines open Monday – Saturday 08:00 – 20:00, Sunday 09:00 – 18:00. Calls may be monitored and recorded. Opening hours within the mortgage departments may vary.

Apply for a mortgage

Things you need to know when applying for a mortgage during the coronavirus outbreak

I’m employed and my latest payslip includes Government income support

I’m self-employed

Getting your Decision in Principle

Get a Decision in Principle now

Get a Decision in Principle by phone or in branch