HSBC Mortgages
Find out about the range of mortgages offered by HSBC, plus how our Mojo experts can help you to compare them with other lenders, and make a successful application
Ready to be clear about your mortgage options?
Mojo Mortgages is an award-winning mortgage broker. Let's get you the best rate you can... for free, all from the comfort of your sofa.
Going above & beyond to save you time ⏳ & money 💰 on your mortgage
Paperwork help ✅ Mortgage broker exclusives ✅ Works alongside nearly every lender ✅
1. Add your details online
No 2-hr phone calls or branch visits. It takes a few minutes to tell us what you need from your next mortgage online.
2. Speak to your broker
Choose the perfect time, whether that is ASAP or a time better suited to you, we are available 6 days a week, including evenings.
3. Get your mortgage with Mojo
We’ll check and chase to help avoid delays. Get regular updates from your broker and case manager.
HSBC is a global bank, recognised around the world, as well as one of the ‘Big 6’ mortgage lenders in the UK. They provide a wide range of mortgage options, catering to various needs, from first-time buyers to buy-to-let investors.
What are HSBC's best mortgage rates?
The definition of "best" mortgage rate varies depending on your specific requirements and circumstances. Not all borrowers seek the lowest interest rates, others prioritise overpayment flexibility. HSBC offers a range of mortgage deals depending on individual circumstances. Here are some examples of the lowest headline rates HSBC is currently offering:
What type of mortgages do HSBC offer?
HSBC offers both residential and commercial mortgages, on fixed or variable rates and as both capital repayment and interest-only options. They have a few specialist products, such as the ability to set up a Let-to-buy mortgage scenario, and are able to provide mortgages to foreign nationals based outside of the UK.
How can I make a HSBC mortgage application?
You can apply with HSBC through any of the usual mortgage application routes, online, by phone, or in person, however, remember to consider comparing their range against what other lenders are offering.
Why Use Mojo to Apply with HSBC?
At Mojo, we can provide you with free expert advice and compare HSBC mortgages against many other lenders on the market, to ensure you’re getting the most suitable deal available to you.
We can also assist with the application process, completing paperwork and chasing estate agents and solicitors on your behalf. This can make things a lot less stressful for you, giving you more time to focus on what matters, your new home.
How much can I borrow from HSBC for a mortgage?
HSBC typically offers loans of up to 4.49 times the gross annual income of applicants. The actual loan amount you're offered may be lower if you have lots of outgoings and/or debts.
Does HSBC offer remortgages?
Yes they do, as do the vast majority of mortgage lenders. However, generally this will be treated as a new application unless you opt for a product transfer - a new mortgage with the same lender.
Mojo’s mortgage checker can help you to decide whether a remortgage or product transfer is the right move for you. It will show you the other options available and we’ll look at other offers for you, to ensure you’re making the right choice for you.
Does HSBC offer buy-to-let mortgages?
Yes they provide buy-to-let mortgages at up to 75% LTV. We can help you with your investment purchases, as well as residential mortgages. To qualify for HSBC's BTL mortgages, you need:
Annual income of at least £25,000
To be a homeowner
Not have existing borrowing in excess of £2 million or four or more rental properties
Your buy-to-let property must be:
Located in the UK
Let under an Assured Shorthold Tenancy (AST) or company let agreement
Not an HMO (Houses in Multiple Occupation) property - such as a student let
Reach out to Mojo for advice about the best buy-to-let mortgage options available to you.