As part of the mortgage application process, we'll ask you to provide some documents to support your application. You'll be able to find what you'll need here.
Depending on your personal circumstances, you may also need some additional documents, but we'll let you know exactly what you'll need during your application.
How to submit your mortgage documents
We'll send you a link by email to our secure document uploader. This will explain how to submit your documents to us.
Or, you can also take your documents to your local branch, or send them to us by post. Although, this may delay your mortgage application.
Proof of name and address
We may ask to see a full, valid, UK photocard driving licence, or one of the following:
- proof of identity - Passport, driving licence or any National Identity Card (EEA and Swiss Nationals only)
- proof of address - A non-HSBC bank statement or a utility bill dated within the last four months
Bank statements
In most cases we won’t need to see your bank statements. If we do, we’ll let you know directly.
We may have to ask to see your latest month’s bank statements for:
- non-HSBC current accounts
- international HSBC accounts
- Jersey and expat HSBC accounts
If you make less frequent, regular payments, such as term school fees, we may ask to see your bank statements over a longer period.
Evidence of deposit
We may need to see evidence of any deposit you're planning to make towards the property. You'll be notified about this depending on your circumstances.
Where your deposit is being gifted by a family member, your Solicitor will need to obtain a letter from the donor confirming the deposit is a non-refundable and unconditional gift and that no interest is being claimed in the property.
Self-employed
How we assess your application
We assess self-employed applications responsibly. To do this, we take into account any future government-backed loan liabilities, such as:
- Bounce Back Loans (BBLs)
- Coronavirus Business Interruption Loan Scheme (CBILS)
Our underwriters will deduct any government-backed loan liabilities from the latest year’s net profit figure. This will give an adjusted net profit position, as these will be ongoing costs for the business.
We will accept self-employed incomes which include government Self-Employed Income Support Scheme (SEISS) grant income.
| Self-employment type | Documents required |
|---|---|
| Sole Trader, General Partnership or Limited Liability Partnerships with fewer than 200 partners | The underwriter may need further information - for example, business bank statements or more HMRC documents.
|
| Limited Liability Partnership (LLPs) with 200 or more partner |
A letter from the company finance director or accountant detailing your earnings over the past 2 years, dated within the last 3 months. |
| Limited company director with 25% or more shareholding |
1. Your last 2 years' finalised accounts (the most recent year must be dated within the last 18 months).
2. If there are multiple directors within the business, and the financial accounts don't confirm the distribution of salary to each director, we’ll need either of the following:
|
| Limited company director with less than 25% shareholding | We'll consider you to be employed - please go to the 'Employed Income' section. |
| Self-employed customers trading for less than 2 years | 1. We'll need either of the following, dated within the past 18 months:
2. We'll also need your latest 3 months' business bank statements. The latest date showing on the statement must be within 35 days of the application start date. |
| Self-employment type | Sole Trader, General Partnership or Limited Liability Partnerships with fewer than 200 partners |
|---|---|
| Documents required |
The underwriter may need further information - for example, business bank statements or more HMRC documents.
|
| Self-employment type |
Limited Liability Partnership (LLPs) with 200 or more partner |
| Documents required |
A letter from the company finance director or accountant detailing your earnings over the past 2 years, dated within the last 3 months. |
| Self-employment type |
Limited company director with 25% or more shareholding |
| Documents required |
1. Your last 2 years' finalised accounts (the most recent year must be dated within the last 18 months).
2. If there are multiple directors within the business, and the financial accounts don't confirm the distribution of salary to each director, we’ll need either of the following:
|
| Self-employment type | Limited company director with less than 25% shareholding |
| Documents required |
We'll consider you to be employed - please go to the 'Employed Income' section. |
| Self-employment type | Self-employed customers trading for less than 2 years |
| Documents required |
1. We'll need either of the following, dated within the past 18 months:
2. We'll also need your latest 3 months' business bank statements. The latest date showing on the statement must be within 35 days of the application start date. |
Permanent employment
If you are in permanent employment we'll need to see evidence of your income. The table below summarises the documents we'll need, depending on how frequently you're paid:
| Income Type | Weekly | Fortnightly | Four Weekly | Monthly | Quarterly | Half Yearly | Annually |
|---|---|---|---|---|---|---|---|
| Basic income (including any permanent allowances)1 | Latest 4 payslips | Latest 2 payslips | Latest payslip | Latest payslip | N/A | N/A | N/A |
| Shift allowance1 | Latest 6 payslips | Latest 6 payslips | Latest 3 payslips | Latest 3 payslips | N/A | N/A | N/A |
| Variable income (bonus/overtime/commission)1 2 | Latest 6 payslips | Latest 6 payslips | Latest 3 payslips | Latest 3 payslips | Latest 4 equivalent payslips or award letters showing payment. The payslips or award letters must include a payment that has been paid within the last 3 months. Where an award letter is being used as evidence of income, it must clearly state the exact amount that will be paid within 3 months of the date on the award letter. |
Latest 4 equivalent payslips or award letters showing payment.
|
Latest 2 equivalent payslips or award letters showing payment.
|
| Income Type | Basic income (including any permanent allowances)1 |
|---|---|
| Weekly | Latest 4 payslips |
| Fortnightly | Latest 2 payslips |
| Four Weekly | Latest payslip |
| Monthly | Latest payslip |
| Quarterly | N/A |
| Half Yearly | N/A |
| Annually | N/A |
| Income Type | Shift allowance1 |
| Weekly | Latest 6 payslips |
| Fortnightly | Latest 6 payslips |
| Four Weekly | Latest 3 payslips |
| Monthly | Latest 3 payslips |
| Quarterly | N/A |
| Half Yearly | N/A |
| Annually | N/A |
| Income Type | Variable income (bonus/overtime/commission)1 2 |
| Weekly | Latest 6 payslips |
| Fortnightly | Latest 6 payslips |
| Four Weekly | Latest 3 payslips |
| Monthly | Latest 3 payslips |
| Quarterly |
Latest 4 equivalent payslips or award letters showing payment. The payslips or award letters must include a payment that has been paid within the last 3 months. Where an award letter is being used as evidence of income, it must clearly state the exact amount that will be paid within 3 months of the date on the award letter. |
| Half Yearly |
Latest 4 equivalent payslips or award letters showing payment.
|
| Annually |
Latest 2 equivalent payslips or award letters showing payment.
|
With an interest-only mortgage, your monthly payment covers only the interest on your loan.
You're responsible for making your own arrangements to repay the capital by the end of the mortgage term, and you'll need to provide evidence that you can do so.
Sale of other property - not your primary residence or the property this mortgage is for
Based on 75% of the current property value, less any outstanding secured borrowing.
- mortgage statement or offer document dated within the last 35 days, if applicable. An internet print/statement is acceptable
- solicitor's letter confirming ownership of the second property or copy of the Register of Title from the Land Registry, Registers of Scotland etc.
- a professional valuation by an RICS surveyor or suitable automated valuation dated within the last 12 months
Endowment policy
Based on the lowest projection in the annual endowment policy statement.
UK sterling cash savings (Savings, Investments, Cash ISA, Premium Bonds, Sharesave)
Based on 100% of existing cash savings held in a UK savings/bank account, Cash ISA or Premium Bonds.
UK-based Stocks and Shares ISA
Based on 50% of the value shown on the latest account statement.
Other UK-based investments - Unit Trust, OEIC, Investment Bonds, Shares, Gilts
Based on 50% of the value shown on the latest account statement.
Ad hoc/Regular repayment of capital - the application of earnings (guaranteed or variable) to reduce the mortgage balance or to build savings over the mortgage term.
Based on 25% of the annual average of any variable income (e.g. work bonuses) and 100% of any guaranteed income.
Variable Income will only be acceptable if paid weekly, fortnightly, four weekly or monthly.
Documentary evidence of the source and regularity of income will be required in line with income. See ‘Source of Income’ tab.
Sale of other property - not your primary residence or the property this mortgage is for
Based on 75% of the current property value, less any outstanding secured borrowing.
- mortgage statement or offer document dated within the last 35 days, if applicable. An internet print/statement is acceptable
- solicitor's letter confirming ownership of the second property or copy of the Register of Title from the Land Registry, Registers of Scotland etc.
- a professional valuation by an RICS surveyor or suitable automated valuation dated within the last 12 months
Endowment policy
Based on the lowest projection in the annual endowment policy statement.
UK sterling cash savings (Savings, Investments, Cash ISA, Premium Bonds, Sharesave)
Based on 100% of existing cash savings held in a UK savings/bank account, Cash ISA or Premium Bonds.
UK-based Stocks and Shares ISA
Based on 50% of the value shown on the latest account statement.
Other UK-based investments - Unit Trust, OEIC, Investment Bonds, Shares, Gilts
Based on 50% of the value shown on the latest account statement.
Ad hoc/Regular repayment of capital - the application of earnings (guaranteed or variable) to reduce the mortgage balance or to build savings over the mortgage term.
Based on 25% of the annual average of any variable income (e.g. work bonuses) and 100% of any guaranteed income.
Variable Income will only be acceptable if paid weekly, fortnightly, four weekly or monthly.
Documentary evidence of the source and regularity of income will be required in line with income. See ‘Source of Income’ tab.
If you're an EU national, we'll need your share code from the GOV.UK website to confirm if you have a settled or pre-settled status. Please choose the option ‘Prove my immigration status’ – don't use ‘Prove my right to work‘.
If you have indefinite leave to remain in or enter the UK or a right of abode, you must prove your residency in the UK by providing either:
- a current valid passport showing a visa stamp
- a certificate of entitlement
- a UK residency permit
- or a letter from the Border and Immigration Agency/Home Office confirming residency/right to abode
If you don't have indefinite leave to remain/enter in the UK or a right of abode, you must:
- prove you've lived and worked in the UK for a minimum of 12 months at the point of application by providing a current valid passport with visa stamp or work visa showing date of entry into the UK
- show evidence of 12 months employment in the UK, for example, a contract of employment
- have a work permit or visa showing entitlement to live and work in the UK with at least 12 months remaining until expiry
If you've lived in the UK for less than 12 months, or a foreign national living in the UK for less than 12 months, you can still apply for a mortgage for non-UK residents.
All applications
Proof of name and address
We may ask to see a full, valid, UK photocard driving licence, or one of the following:
- proof of identity - Passport, driving licence or any National Identity Card (EEA and Swiss Nationals only)
- proof of address - A non-HSBC bank statement or a utility bill dated within the last four months
Bank statements
In most cases we won’t need to see your bank statements. If we do, we’ll let you know directly.
We may have to ask to see your latest month’s bank statements for:
- non-HSBC current accounts
- international HSBC accounts
- Jersey and expat HSBC accounts
If you make less frequent, regular payments, such as term school fees, we may ask to see your bank statements over a longer period.
Evidence of deposit
We may need to see evidence of any deposit you're planning to make towards the property. You'll be notified about this depending on your circumstances.
Where your deposit is being gifted by a family member, your Solicitor will need to obtain a letter from the donor confirming the deposit is a non-refundable and unconditional gift and that no interest is being claimed in the property.
Self-employed income
Self-employed
How we assess your application
We assess self-employed applications responsibly. To do this, we take into account any future government-backed loan liabilities, such as:
- Bounce Back Loans (BBLs)
- Coronavirus Business Interruption Loan Scheme (CBILS)
Our underwriters will deduct any government-backed loan liabilities from the latest year’s net profit figure. This will give an adjusted net profit position, as these will be ongoing costs for the business.
We will accept self-employed incomes which include government Self-Employed Income Support Scheme (SEISS) grant income.
| Self-employment type | Documents required |
|---|---|
| Sole Trader, General Partnership or Limited Liability Partnerships with fewer than 200 partners | The underwriter may need further information - for example, business bank statements or more HMRC documents.
|
| Limited Liability Partnership (LLPs) with 200 or more partner |
A letter from the company finance director or accountant detailing your earnings over the past 2 years, dated within the last 3 months. |
| Limited company director with 25% or more shareholding |
1. Your last 2 years' finalised accounts (the most recent year must be dated within the last 18 months).
2. If there are multiple directors within the business, and the financial accounts don't confirm the distribution of salary to each director, we’ll need either of the following:
|
| Limited company director with less than 25% shareholding | We'll consider you to be employed - please go to the 'Employed Income' section. |
| Self-employed customers trading for less than 2 years | 1. We'll need either of the following, dated within the past 18 months:
2. We'll also need your latest 3 months' business bank statements. The latest date showing on the statement must be within 35 days of the application start date. |
| Self-employment type | Sole Trader, General Partnership or Limited Liability Partnerships with fewer than 200 partners |
|---|---|
| Documents required |
The underwriter may need further information - for example, business bank statements or more HMRC documents.
|
| Self-employment type |
Limited Liability Partnership (LLPs) with 200 or more partner |
| Documents required |
A letter from the company finance director or accountant detailing your earnings over the past 2 years, dated within the last 3 months. |
| Self-employment type |
Limited company director with 25% or more shareholding |
| Documents required |
1. Your last 2 years' finalised accounts (the most recent year must be dated within the last 18 months).
2. If there are multiple directors within the business, and the financial accounts don't confirm the distribution of salary to each director, we’ll need either of the following:
|
| Self-employment type | Limited company director with less than 25% shareholding |
| Documents required |
We'll consider you to be employed - please go to the 'Employed Income' section. |
| Self-employment type | Self-employed customers trading for less than 2 years |
| Documents required |
1. We'll need either of the following, dated within the past 18 months:
2. We'll also need your latest 3 months' business bank statements. The latest date showing on the statement must be within 35 days of the application start date. |
Employed income
Permanent employment
If you are in permanent employment we'll need to see evidence of your income. The table below summarises the documents we'll need, depending on how frequently you're paid:
| Income Type | Weekly | Fortnightly | Four Weekly | Monthly | Quarterly | Half Yearly | Annually |
|---|---|---|---|---|---|---|---|
| Basic income (including any permanent allowances)1 | Latest 4 payslips | Latest 2 payslips | Latest payslip | Latest payslip | N/A | N/A | N/A |
| Shift allowance1 | Latest 6 payslips | Latest 6 payslips | Latest 3 payslips | Latest 3 payslips | N/A | N/A | N/A |
| Variable income (bonus/overtime/commission)1 2 | Latest 6 payslips | Latest 6 payslips | Latest 3 payslips | Latest 3 payslips | Latest 4 equivalent payslips or award letters showing payment. The payslips or award letters must include a payment that has been paid within the last 3 months. Where an award letter is being used as evidence of income, it must clearly state the exact amount that will be paid within 3 months of the date on the award letter. |
Latest 4 equivalent payslips or award letters showing payment.
|
Latest 2 equivalent payslips or award letters showing payment.
|
| Income Type | Basic income (including any permanent allowances)1 |
|---|---|
| Weekly | Latest 4 payslips |
| Fortnightly | Latest 2 payslips |
| Four Weekly | Latest payslip |
| Monthly | Latest payslip |
| Quarterly | N/A |
| Half Yearly | N/A |
| Annually | N/A |
| Income Type | Shift allowance1 |
| Weekly | Latest 6 payslips |
| Fortnightly | Latest 6 payslips |
| Four Weekly | Latest 3 payslips |
| Monthly | Latest 3 payslips |
| Quarterly | N/A |
| Half Yearly | N/A |
| Annually | N/A |
| Income Type | Variable income (bonus/overtime/commission)1 2 |
| Weekly | Latest 6 payslips |
| Fortnightly | Latest 6 payslips |
| Four Weekly | Latest 3 payslips |
| Monthly | Latest 3 payslips |
| Quarterly |
Latest 4 equivalent payslips or award letters showing payment. The payslips or award letters must include a payment that has been paid within the last 3 months. Where an award letter is being used as evidence of income, it must clearly state the exact amount that will be paid within 3 months of the date on the award letter. |
| Half Yearly |
Latest 4 equivalent payslips or award letters showing payment.
|
| Annually |
Latest 2 equivalent payslips or award letters showing payment.
|
Interest-only mortgages
With an interest-only mortgage, your monthly payment covers only the interest on your loan.
You're responsible for making your own arrangements to repay the capital by the end of the mortgage term, and you'll need to provide evidence that you can do so.
Sale of other property - not your primary residence or the property this mortgage is for
Based on 75% of the current property value, less any outstanding secured borrowing.
- mortgage statement or offer document dated within the last 35 days, if applicable. An internet print/statement is acceptable
- solicitor's letter confirming ownership of the second property or copy of the Register of Title from the Land Registry, Registers of Scotland etc.
- a professional valuation by an RICS surveyor or suitable automated valuation dated within the last 12 months
Endowment policy
Based on the lowest projection in the annual endowment policy statement.
UK sterling cash savings (Savings, Investments, Cash ISA, Premium Bonds, Sharesave)
Based on 100% of existing cash savings held in a UK savings/bank account, Cash ISA or Premium Bonds.
UK-based Stocks and Shares ISA
Based on 50% of the value shown on the latest account statement.
Other UK-based investments - Unit Trust, OEIC, Investment Bonds, Shares, Gilts
Based on 50% of the value shown on the latest account statement.
Ad hoc/Regular repayment of capital - the application of earnings (guaranteed or variable) to reduce the mortgage balance or to build savings over the mortgage term.
Based on 25% of the annual average of any variable income (e.g. work bonuses) and 100% of any guaranteed income.
Variable Income will only be acceptable if paid weekly, fortnightly, four weekly or monthly.
Documentary evidence of the source and regularity of income will be required in line with income. See ‘Source of Income’ tab.
Sale of other property - not your primary residence or the property this mortgage is for
Based on 75% of the current property value, less any outstanding secured borrowing.
- mortgage statement or offer document dated within the last 35 days, if applicable. An internet print/statement is acceptable
- solicitor's letter confirming ownership of the second property or copy of the Register of Title from the Land Registry, Registers of Scotland etc.
- a professional valuation by an RICS surveyor or suitable automated valuation dated within the last 12 months
Endowment policy
Based on the lowest projection in the annual endowment policy statement.
UK sterling cash savings (Savings, Investments, Cash ISA, Premium Bonds, Sharesave)
Based on 100% of existing cash savings held in a UK savings/bank account, Cash ISA or Premium Bonds.
UK-based Stocks and Shares ISA
Based on 50% of the value shown on the latest account statement.
Other UK-based investments - Unit Trust, OEIC, Investment Bonds, Shares, Gilts
Based on 50% of the value shown on the latest account statement.
Ad hoc/Regular repayment of capital - the application of earnings (guaranteed or variable) to reduce the mortgage balance or to build savings over the mortgage term.
Based on 25% of the annual average of any variable income (e.g. work bonuses) and 100% of any guaranteed income.
Variable Income will only be acceptable if paid weekly, fortnightly, four weekly or monthly.
Documentary evidence of the source and regularity of income will be required in line with income. See ‘Source of Income’ tab.
Foreign nationals
If you're an EU national, we'll need your share code from the GOV.UK website to confirm if you have a settled or pre-settled status. Please choose the option ‘Prove my immigration status’ – don't use ‘Prove my right to work‘.
If you have indefinite leave to remain in or enter the UK or a right of abode, you must prove your residency in the UK by providing either:
- a current valid passport showing a visa stamp
- a certificate of entitlement
- a UK residency permit
- or a letter from the Border and Immigration Agency/Home Office confirming residency/right to abode
If you don't have indefinite leave to remain/enter in the UK or a right of abode, you must:
- prove you've lived and worked in the UK for a minimum of 12 months at the point of application by providing a current valid passport with visa stamp or work visa showing date of entry into the UK
- show evidence of 12 months employment in the UK, for example, a contract of employment
- have a work permit or visa showing entitlement to live and work in the UK with at least 12 months remaining until expiry
If you've lived in the UK for less than 12 months, or a foreign national living in the UK for less than 12 months, you can still apply for a mortgage for non-UK residents.
Are your documents in a language other than in English?
Any documents not in the English language must be translated to English prior to submission. This should be completed by a recognised translation service and accompanied by a confirmation on headed paper.
How to apply
New application
Applying for a mortgage involves two stages, firstly getting a Decision in Principle; secondly making a mortgage application.
Lines are open Monday to Saturday 08:00 to 20:00, Sunday 09:00 to 18:00. We may monitor and record calls. Opening hours within the mortgage departments may vary.
Already started an application?
If you started a mortgage application over the phone or online, you can log on to complete it or track its progress.
Think carefully before securing other debts against your home.
Your home may be repossessed if you do not keep up repayments on your mortgage.