Mortgages

In line with the government's Mortgage Charter, HSBC can now offer more options to help mortgage customers through the cost of living crisis.

We've got everything you need to make finding a mortgage straightforward

Applying with us is easy

Get started by finding out how much you could borrow. Or, if you're ready, find out how to apply.

Get a Decision in Principle

How much could you borrow?

International property services

From finding and financing, to moving and maintenance, we can help with your overseas property. Eligibility criteria apply.

Manage your mortgage

Got a mortgage with us already? Find out how to make changes, borrow more, move home or switch to another HSBC rate.

Compare our rates

Choose HSBC and you could find a lower interest rate that could make your monthly repayments less.

Mortgages to suit you

From remortgaging to getting your foot on the property ladder, take a look at our range of mortgages to find what could be right for you.

First-time buyer mortgages

Find out everything you need on the journey to owning your own home.

Remortgage to HSBC

If your mortgage is with another lender, easily move it to HSBC and you could get a better deal.

Mortgages for moving home

Move home and you could get a better deal with an HSBC mortgage.

Buy-to-let mortgages

Explore how our buy-to-let mortgages could make it easier to buy your rental property.

Making the most of your mortgage

Whether you're remortgaging or a first-time buyer, there's a lot to get your head around – from the different types of mortgages to finding out how much to borrow. Take a look at our articles to help you decide.

The cost of living and your mortgage

Find out how your mortgage may be affected by interest rates and ways you could reduce your monthly payments.

10 Steps to buying your own home

From saving for a deposit, to exchange and completion, we guide you through the process.

What's remortgaging?

Take a look at our video, with an introduction to remortgaging and how it works.

Should you remortgage?

Here are 5 common reasons to remortgage, to help you decide if it’s right for you.

How to switch your mortgage rate

Find out if switching rates with your current lender could help save you money.

Tools to help you choose

How much could you borrow?

Use our quick calculator to find out how much you could borrow.

Repayments calculator

Work out how much your monthly repayments could be.

Ready to apply?

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

Apply for your mortgage

First, you'll need a Decision in Principle (sometimes called an Agreement in Principle), then you can apply for your mortgage.[@apply-for-your-mortgage]

Get a Decision in Principle for a mortgage

Continue your application for a mortgage

Frequently asked questions

What is a mortgage?

A mortgage is a loan used to buy a property or land. You’ll borrow money from a lender and repay them (plus any interest) over an agreed period.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
How do I get a mortgage?

Before you start a mortgage application, you’ll need to review your finances and get a Decision in Principle.

Once you find a property* you love, you’ll then need some documents to apply for a mortgage. You'll need to show proof of ID and address, bank statements, evidence of your income and evidence of your mortgage deposit.

*This information applies to UK residents only.
What is a Decision in Principle?

A Decision in Principle shows you how much you could borrow before you apply for a mortgage.

It’s usually seen as the first step to buying a property. A Decision in Principle is subject to an assessment and isn’t a guarantee of a mortgage.
How long does a Decision in Principle last?

How long your Decision in Principle lasts will be decided by your mortgage lender.

They typically last between 60 and 90 days.
How long does a mortgage application take?

Approving a mortgage usually takes between 2 and 6 weeks. The approval time will depend on the lender’s availability, your property’s valuation, and your own circumstances.
How do mortgages work?

Once you get a mortgage*, you’ll need to repay the amount you borrowed (plus interest) over an agreed period. This period is usually around 25 years but can vary.

Until your mortgage is fully paid off, it’s secured against your home. This means you could lose your home if you can’t make your repayments.

*This applies to capital repayment mortgages.
How to work out mortgage interest?

The easiest way to work out the interest on your mortgage is to use our repayment calculator.
What is a mortgage broker?

A mortgage broker will help you find your ideal mortgage. They’ll work with you to understand what type of mortgage you need, and they’ll arrange a mortgage between yourself and a lender.
What is loan-to-value?

The loan-to-value (LTV) is the value of the property compared to how much you need to borrow as a mortgage, shown as a percentage.

For example: If you take out a £200,000 mortgage to buy a £250,000 home, the LTV is 80%, as you’ll need to borrow 80% of the home’s value.