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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.

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 Discount rates are at a discount below the HSBC Variable Rate for a specific period. When this period ends, your mortgage interest rate will move to the HSBC Variable Rate.

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

HSBC Tracker rates are variable and set at a fixed margin above the Bank of England (BoE) base rate.

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

Both the HSBC Variable Rate and HSBC Buy-to-Let 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 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 Key Facts Illustration (KFI) or your Mortgage Offer.

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 should have repaid the amount borrowed in full assuming that you have made all of your monthly payments in full and on time.

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 which needs to be repaid 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 in full at the end of the mortgage term.

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 tell us how many years you want to pay the mortgage over using the drop down list

Please tell us how many months you want to pay the mortgage over using the drop down list

Interest only mortgages

In order to qualify for our residential Interest Only Mortgages:

-sole applicants must have a minimum income of £100,000 per annum excluding bonus, commission, overtime and rental income.
-For joint applications, at least one applicant must have an individual income of £100,000 per annum excluding bonus, commission, overtime and rental income.

The monthly payment shown on the following screen covers the accrued interest only. 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.

For Interest only mortgages you can only borrow up to a maximum of 75% of the property's value.

The maximum term for an interest only mortgage is 25 years

Buy To Let Interest Only Mortgages

For a Buy-to-Let Interest only mortgage, 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.