Get your dream home with a high-value mortgage
If you're looking to borrow more than £2 million, an HSBC high-value mortgage could help you get your dream home. Whether you’re a first-time buyer, moving house or transferring an existing mortgage from another lender, our high net worth mortgage team is here to support you.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
Things to know
Who can apply?
To apply for a high-value mortgage, you'll need to make sure:
- You're a UK resident
- You're aged 18 or over
- Your total mortgage borrowing request is over £2 million on a single property
- Your application is related to a new purchase, remortgage, home mover (including porting a rate) with or without additional borrowing, or borrowing against a house you own that has no mortgage
Apply for a high-value mortgage
Is your total borrowing request over £2 million?
Book an initial 30-minute consultation call with one of our qualified mortgage advisers. They'll get an understanding of your needs, answer any questions, and complete a DIP with you before agreeing next steps.
If appropriate the adviser will book in a follow-up appointment to complete your mortgage application.
Switch your existing rate
You can switch your existing mortgage rate online or by speaking to one of our advisers. |
Rates information
For all our rates we provide both fixed-rate and tracker mortgages.
Fixed-rate: your monthly payments will stay the same until the end date of the fixed-rate period, even if interest rates change.
Tracker: a variable rate mortgage linked to the Bank of England base rate that rises or falls with it. This will affect your monthly payments. Our tracker mortgages are available over a 2-year period.
Moving home
Our mortgage rates if you're looking to move home.
Fixed-rate mortgages
Tracker mortgages
First-time buyer
You're a first-time buyer if you've never owned a residential property and you intend for the property to be your main home.
Fixed-rate mortgages
Tracker mortgages
Remortgage
You're a remortgage customer if you've a mortgage with another provider and want to switch to us, or borrow more against your current home.
Fixed-rate mortgages
Tracker mortgages
Representative example
A repayment mortgage of £3,129,999 payable over 25 years, initially on a fixed rate for 2 years at 4.39% and then on our current variable rate of 6.99% (variable) for the remaining 23 years, would require 24 monthly payments of £17,210.66 and 275 monthly payments of £21,790.53, plus one final payment of £21,789.56
The total amount payable would be £6,429,535.15. This is made up of the loan amount plus interest of £3,297,242.15, a booking fee of £1,999 and a solicitor's fee of £295.
In this example, the overall cost for comparison is 6.7% APRC representative.
The above representative example is based on the highest APRC applicable to customers purchasing a property. Please note your actual costs and monthly repayments will vary.