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HSBC Mortgages

Find out more about HSBC

published: 27 February 2019
Read time: 5 minutes

HSBC offers fixed rate and tracker mortgages to first-time buyers, home movers and buy-to-let borrowers. Interest rates are influenced by the maximum loan-to-value offered.

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

About 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.


HSBC mortgages

HSBC offers mortgages for first-time buyers, home movers, remortgagers and buy-to-let borrowers.

HSBC mortgages for 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.

HSBC mortgages for 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.

HSBC mortgages for 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.

HSBC mortgages for 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 Decision in Principle

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, and 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.

HSBC mortgage application and how long it takes

You’ll be able to make a HSBC mortgage application once you have a mortgage Decision in Principle. You can apply over the phone, in branch or online. If you apply for a HSBC mortgage over the phone or in branch then you can 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.

HSBC mortgages contact

You can contact HSBC mortgages by:

Phone: Call HSBC mortgages on 0800 169 6333 - lines are open Monday to Friday 8am - 9pm, Saturday 8am - 8pm and Sunday 9am - 6pm.

HSBC UK Bank plc’s registered address: 1 Centenary Square, Birmingham, B1 1HQ

Compare mortgage deals with MoneySuperMarket

You can also use MoneySuperMarket to find and compare mortgage deals by type of mortgage, initial monthly cost (for the mortgage deal), initial interest rate for the deal, the maximum loan-to-value each provider offers and whether there are any mortgage fees.