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HSBC Mortgages FAQ
Who are HSBC?
Established in 1865 as the Hongkong and Shanghai Bank, HSBC has become the UK’s largest multinational bank. Today they provide a vast range of financial products and services to personal and corporate customers.
HSBC are a popular mortgage lender in the UK and have been historically known for competitively low interest rates.
What types of mortgage does HSBC offer?
HSBC’s mortgage range is available to a wide range of borrowers. They offer a wide variety of mortgage types including fixed rate mortgages and tracker rate mortgages.
HSBC offer a number of mortgage options specifically designed to help first time buyers get on the property ladder. These include low deposit mortgages and shared ownership mortgages.
HSBC also has a comprehensive selection of buy to let mortgage products, suitable for all types of borrower from first time buy-to-let landlords to seasoned property investors expanding their portfolios.
How can I apply for a HSBC mortgage?
You can apply directly for a mortgage over the phone, online or at one of their branches.
The application process has two main steps: Decision in Principle (sometimes referred to as Agreement in Principle) and then making a Full Mortgage Application.
For a Decision In Principle you will need to provide HSBC with some personal details and information, including property details if you know them. They will conduct a soft credit search [which not affect your credit score] and then be able to give you a Decision in Principle. The purpose of this first stage is to give you a good indication on how much you can borrow with HSBC
Once you have a Decision in Principle you can then move forward to a full mortgage application and this will require additional documentation and information. One of the HSBC mortgage team will assist you through this process,
However, if you require help with your mortgage needs and/or want to consider other lenders, you should seek advice from an independent qualified mortgage advisor.
What are the current HSBC mortgage interest rates?
You can get the latest interest rates on HSBC’s mortgage products from the HSBC.co.uk website. However, you can also get HSBC interest rates from our whole-of-market comparison service which is updated daily. Our comparison service also lets you compare HSBC mortgage rates against other lenders across the UK to see if you can find a better rate elsewhere.
What are the current HSBC mortgage deals?
Like other major mortgage lenders, HSBC often run deals to entice borrowers to borrow with them. You can check out the latest HSBC mortgage deals in our comparison tables or by visiting the HSBC website.