Find and compare mortgages: HSBC UK

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Find and compare HSBC mortgages

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Buy my first property - this means you've not held a mortgage before.

Move house/Buy another property - this is where you have or have had a property with a mortgage and are moving to a new property, or are buying an additional property.

Re-mortgage - this is where you have a property with a mortgage and want to transfer it to HSBC.

Borrow more (existing customer) - this is where you hold an HSBC mortgage and want to borrow more funds against the property.

Borrow funds (has no mortgage) - this is where you own a property outright and want to borrow funds against it.

Please tell us what you want to do using the drop down list.

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Please tell us what you intend to do with the property:

Main home - this is the home you intend to reside in permanently.

Additional property - this is a secondary non-permanent residence that you don't intend to let, such as a weekend home.

Buy-to-Let (funded by rental income) - you intend to let the property, and the rental income will pay the mortgage.

Buy-to-Let (funded by my income) - you intend to let the property, and don't require the rental income to pay the mortgage.

Please tell us what this mortgage is for using the drop down list.

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The estimated property value should be based on the asking price or on the latest valuation of your property whichever is the lower.

£

Please tell us the estimated property value.

Please enter the property's value using numbers only.

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Please use the list to tell us the region where the property is located.

Please select where is the property located from the list.

Please enter your deposit amount only if you have selected either 'Buy my first property' or 'Move house/buy another property' from the above 'What do you want to do?' list box.
£

Please tell us your deposit amount.

Please enter how much your deposit is using numbers only.

Please enter the outstanding balance amount only if you have selected 'Remortgage' or 'Borrow more (existing customer)' or 'Borrow funds (I don't have a mortgage)' from above 'What do you want to do?' list box.
£

Please tell us your outstanding mortgage balance.

Please enter the outstanding balance using numbers only.

Please enter how much you want to borrow only if you have selected either 'Borrow more (existing customer)' or 'Borrow funds (I don't have a mortgage)' from the above 'What do you want to do?' list box.
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Please input any additional funds that you require. If you have an outstanding mortgage balance, this amount is in addition to your outstanding balance.

£

Please tell us the amount you require for further borrowing.

Please enter the amount you require for further borrowing using numbers only.

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HSBC Fixed rates are fixed for a specific period. When this period ends, your mortgage interest rate will move to the HSBC Standard Variable Rate*.

HSBC Fixed Term Tracker rates are variable and set at a fixed margin above the Bank of England Base Rate for the defined period, when this period ends, your mortgage interest rate will move to the HSBC Standard Variable Rate.

Where this is a Buy-to-Let fixed rate, this will move to the HSBC Buy-to-Let Standard Variable Rate.

Both the HSBC Standard Variable Rate and HSBC Buy-to-Let Standard Variable Rate are set internally by HSBC. Neither rate tracks the Bank of England Base Rate.
You can choose to make overpayments on your mortgage. As long as you do not exceed your annual overpayment allowance during the year when the Early Repayment Charge (ERC) applies, you can make as many overpayments as you like within that year either by increasing your monthly payments or making lump sum payments. If you exceed your annual overpayment allowance, the ERC will be charged on the amount you have repaid over the allowance.

If an ERC is applicable, an illustration of this will be displayed on both your Mortgage Illustration or your Offer Document.

Please tell us what type of mortgage you want using the drop down list.

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Capital repayment means that your monthly payment is made up of both accrued interest and a partial repayment of the amount borrowed. At the end of the mortgage term, you will have repaid the amount borrowed in full, assuming you have made all of your monthly payments.

Interest only means that your monthly payment covers accrued interest only. At the end of the mortgage term, you will still owe the amount borrowed and must be in a position to repay this in full otherwise your home may be at risk. It is your responsibility to ensure a suitable repayment strategy is in place and checked on a regular basis, in particular, the performance of any investment to be used, to see whether it is likely to be adequate to repay the capital at the end of the mortgage term.

Residential Applications In order to qualify for our Residential Interest Only Mortgage:
Sole applicants must have a minimum income of £75,000 per annum excluding bonus, commission, overtime and rental income.
For joint applications, at least one applicant must have an individual income of £75,000 per annum excluding bonus, commission, overtime and rental income. The maximum term on Residential Interest only applications is 25 years, for Capital Repayment its 40 years
If you are applying for a combination of Capital Repayment and Interest only, the maximum term is 25 years.

Buy to Let Applications For Buy to let applications the minimum income is £25,000.The maximum term for Buy to Let applications is 40 years

Please tell us what is your preferred payment type using the drop down list.

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Remember, the longer you pay the mortgage over the more interest you will pay.

Please check the term. Maximum term is 40y 0m unless you are applying for a residential mortgage on interest only, then the maximum term is 25y 0m.

Please check the term. Maximum term is 40y 0m unless you are applying for a residential mortgage on interest only, then the maximum term is 25y 0m.

Residential Interest Only - Eligibility Criteria

-  At least one applicant must have a minimum basic annual salary of £75,000 - excluding bonus, commission, overtime and rental income.

-  At the end of your mortgage term, you will still owe the amount borrowed and must be in a position to repay this in full otherwise your home may be at risk.

-  You must have a credible repayment strategy in place. It is your responsibility to check it on a regular basis, in particular, the performance of any investment to be used, to see whether it is likely to be adequate to repay the capital at the end of the mortgage term

-  You can borrow up to a maximum of 75% of the property's value.

-  For additional borrowing on an existing property you can borrow up to a maximum of 60% of the property's value.

-  The maximum term for an Interest only residential mortgage is 25 years.

BTL Interest Only - Eligibility Criteria

-  At least one applicant must have a minimum basic annual salary of £25,000

-  You can borrow up to a maximum of 75% of the property's value

-  The maximum term for an interest only Buy to let mortgage is 40 years

-  You must meet our Buy-to-Let criteria


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