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Compare HSBC mortgages with MoneySuperMarket
Mortgages with HSBC
HSBC is a UK bank and financial services organisation that offers mortgages for first-time buyers, buy-to-let borrowers and mortgage deals for new and existing customers.
HSBC also offers current and savings accounts, credit cards, loans and more.
HSBC UK Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Why get a mortgage through HSBC?
HSBC offers mortgage deals for both new and existing customers. You can get mortgage deals on a new home or existing home, as well as additional buy-to-let properties.
Since June 2023, HSBC has also been part of the UK government’s Mortgage Charter. This is a charter that sets out how banks can give additional flexibility to customers who may be struggling with paying their mortgage during the cost of living crisis.
For example, HSBC offers the option to extend your mortgage term, as well as the option to switch rates up to six months ahead of your current rate expiring.
What types of mortgage does HSBC offer?
HSBC offers mortgages for first-time buyers, home movers, remortgagers and buy-to-let borrowers.
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First-time buyers
HSBC offers mortgage loans up to 95% loan-to-value of the property purchase price (maximum loan size £400,000), helping first-time buyers get on the property ladder with a 5% deposit.
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Home movers
Existing HSBC mortgage customers may be able to port their current mortgage rate to a new home. New customers looking for a mortgage for their next home can also find a deal with HSBC.
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Remortgagers
Existing HSBC mortgage customers can switch to a new deal once their current deal has ended, and new HSBC customers can switch to a new mortgage rate.
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Buy-to-let borrowers
HSBC offers buy-to-let mortgages up to 75% of the loan-to-value of the property. A maximum lending limit and terms and conditions apply.
HSBC mortgage application process
Before applying for a mortgage, you’ll need a mortgage Decision in Principle. It’s quick and easy to get a Decision in Principle online – simply fill out your information and you’ll get it instantly. Then, you’ll need to find a home and make an offer.
Once your offer is accepted, you can apply for a mortgage with HSBC. You can do so over the phone, in branch, or online. If you apply for a HSBC mortgage over the phone or in branch, you’ll be able to speak to a HSBC mortgage advisor for advice and guidance through your application.
You’ll need to provide HSBC with supporting documents to complete your application, including proof of name and address, bank statements, source of income and evidence of your mortgage deposit.
It usually takes around two weeks to be accepted for a mortgage (from completing your application to receiving a mortgage offer).
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How do I compare HSBC mortgages?
With MoneySuperMarket, you can find and compare mortgage deals by type of mortgage, initial monthly cost, initial interest rate, the maximum loan-to-value each provider offers, and whether there are any mortgage fees.
How do I get a decision in principle with HSBC?
A mortgage Decision in Principle helps to give you a better idea of how much HSBC would be willing to let you borrow, based on your financial situation and property details.
To get a mortgage Decision in Principle, HSBC will carry out a soft credit check – this won’t appear on your credit file. If you then decide to apply for a mortgage, HSBC will run a hard credit check which will appear on your credit file. The results can change how much you’re able to borrow and how long you can borrow for.
You can apply for a HSBC mortgage Decision in Principle over the phone, in branch or online.
How do I contact HSBC?
You can get in touch with HSBC in several different ways.
To speak to a member of HSBC’s mortgage team, call 0800 169 6333. Lines are open 8am-8pm Monday to Friday and 9am-5pm on weekends.
And if your query is about a buy-to-let mortgage, call 0800 783 6533. Lines are open 8am-8pm Monday to Friday and 9am-5pm on weekends.
If you’re a HSBC bank customer, you can also get in touch via the HSBC Mobile Banking app, or by logging in to online banking to start an online chat.
Finally, you can visit a HSBC branch to speak to a mortgage adviser in person. You can arrange an appointment online.
What happens if HSBC go bust and I have a mortgage with them?
If your bank goes bust and you have a mortgage with them, it won’t be cancelled. You’ll still owe money to the lender, and its charge over your home will still stand.
Your existing debt would be sold on to another bank or building society in an administration process. You’d then owe the new bank the money.
In the event that your bank goes bust, you should continue to make your monthly payments as normal. You should also be given advice on your situation and what you can do.
However, things are slightly different if you have a particular type of offset mortgage. If the amount held in savings exceeds the mortgage debt, the balance would be protected by the Financial Services Compensation Scheme (FSCS): up to £85,000 or £170,000 for a joint account.
How hard is it to get a mortgage with HSBC?
Whether you qualify for a mortgage with HSBC depends on many factors, such as your finances, credit history, income, expenditure, deposit, and any debts.
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Reviewed on 22 Dec 2025 by
