Discover the flexibility of an interest-only mortgage
The monthly payments for an interest-only mortgage are lower as you're not paying off the loan, just the interest.
Your home may be repossessed if you don’t have sufficient funds to repay the capital balance outstanding at the end of the term.
Why choose us
- Choice of mortgage loan termUp to 25 years for a residential property or up to 40 years for a buy-to-let.
- Fixed or variable ratesPayments can stay the same each month or follow the Bank of England base rate.
- Up to 75% loan to valueBorrow up to 75% of the purchase price or the valuation of your property, whichever is lower.
- Apply by phone or onlineYou can speak to one of our mortgage advisors or apply online.
Things you should know
Who can get an HSBC interest-only mortgage?
- You or the other applicant, if you're applying jointly, must have a minimum annual income of £75,000 (excluding bonuses, commission, overtime and rental income)
- For buy-to-let interest-only mortgages, you must also meet our buy-to-let criteria
Find out how to apply
To start with you'll need to get a decision in principle, which takes around 5 minutes.
Already started your application? You can pick up where you left off.
Frequently asked questions
You might also be interested in
Compare mortgage rates
View our latest mortgage rates and understand our fees.
How much you could borrow
Use our quick calculator to find out how much you could borrow.
Manage your mortgage
Got a mortgage with us already? Find out how to make changes, borrow more, move home or switch to another rate.