For more information and to opt out of cookies, visit the cookie section of our Privacy Code. Learn more about which type of mortgage is right for you: Five year variable**  rate closed term mortgage, Five year fixed rate closed term mortgage, Pay down your mortgage faster with flexible early payment options allowing you to prepay up to 20% of the original mortgage amount or by increasing the payment amount up to a total of 20% each year.1 You can also make a match payment and miss one later.2. You must be able to demonstrate you have an acceptable repayment strategy in place to repay the mortgage amount in full upon expiry. Your home may be repossessed if you do not keep up repayments on your mortgage. How can we help today? - Member FDIC. If you are applying for a joint loan, the co-applicant must complete the application. HSBC has launched a 1.99 per cent rate for both 12- … 1 A High Ratio Mortgage is a personal mortgage with a down payment of less than 20% of the purchase price. This website uses cookies to establish a secured connection and to present you with targeted advertising. Your information is not stored on our systems if you do not submit this application. Deposit products offered through HSBC Bank USA, N.A. Access up to 80% of the value of your home4 to renovate, travel or make a major purchase. Find and compare HSBC mortgages Find and compare HSBC mortgages This link will open in a new window. Some exclusions apply. Buy to Let Mortgage . HSBC has reduced its maximum loan to value (LTV) for flats from 90 per cent to 85 per cent LTV while making changes to interest-only criteria. APR includes all interest and some non-interest charges associated with the mortgage. Previously those who wanted to grab HSBC’s special rates had to qualify as a premier customer by borrowing a minimum of $500k or having a balance of at least $100k in the bank. Some restrictions apply. A monthly fee will be charged if you do not meet at least one of the conditions … If a property is outside London and the South East, HSBC says the mortgage size must be £500,000 or … HSBC has launched a 1.99 per cent rate for both 12- and 18-month fixed terms matching Heartland Bank's rate. Your home may be repossessed if you do not keep up repayments on your mortgage. A no cost, no-obligation pre-approval gives you several advantages in today’s competitive housing market. Mortgage and home equity products are offered in the U.S. by HSBC Bank USA, N.A. A monthly fee will be charged if you do not meet at least one of the eligibility criteria above. Offer current as at 10 May 2021 and subject to change. View all mortgages . Find and compare HSBC mortgages Find and compare HSBC mortgages This link will open in a new window. In an email to brokers, the bank said the new lending limit for flats would be cut to 85 per cent and new build flats would be reduced from 85 per cent to 80 per cent LTV. Whether or not you submit your application, your personal information can still be displayed by clicking the back button. Guidance . We’ll make sure that you understand your options, the home-buying process and when to engage the other professionals who make up your home-buying team. Benefits of a HSBC mortgage. For information and to confirm most recent rates, please contact any HSBC branch. A pre-approval is valid for 120 days. Available purpose options include: purchase, refinance of existing HSBC mortgage, or refinance from another financial institution. It's easy to share your ideas, stay informed and join the conversation. To apply for our Buy to Let mortgages, you'll need to meet our eligibility criteria: Minimum annual salary of £25,000 You must have owned and lived in your existing property for at least 6 months The property must be in the UK and are only available for properties located in the U.S. Subject to credit approval. 6 HSBC Advance requires you to have an active HSBC Advance chequing account, and maintain combined personal deposits and investments with HSBC Bank Canada and its subsidiaries of $5,000 or hold personal HSBC Bank Canada residential mortgage with original amount of $150,000 or greater. Instant access to cash whenever you need it, Use as much or as little money as you like, Take advantage of preferential rates with HSBC Premier5 or HSBC Advance6. You can opt for capital repayment or interest-only arragements on your HSBC mortgage according to your needs HSBC UK . Some of the money that you’ve saved for your first home will need to include closing costs. Access funds using the equity in your home. HSBC Mortgage lending is limited to a maximum of 80% per property. In the … Make the best choices for you, your family and your future, with mortgage solutions from HSBC. Packaging requirements. If you hold an open mortgage and your installment payments are up to date, you can pay some or all of your mortgage loan at any time without penalty. Payment choices. A monthly fee will be charged if you do not meet at least one of the conditions above.For full details regarding eligibility and any fees which may apply please refer to the Personal Service Charges / Statement of Disclosure available at any HSBC Bank Canada branch or online at www.hsbc.ca. ® Mastercard is a registered trademark of Mastercard International Incorporated. 2 Mortgage pre-approval is available for a maximum mortgage amount of CAD $1,000,000 and applies to Traditional (Residential) or Equity Power Secured mortgages. It's the first key step in the mortgage process. Home Equity Lines of Credit are subject to standard credit approval. There are many types of mortgages. These systems generate a property valuation without a valuer visiting the property. Get started Start pre-approval application, Find out more about the HSBC Traditional (Residential) Mortgage, Get Started Apply for an HSBC Traditional (Residential) Mortgage, Find out more about the HSBC Equity Power Mortgage, Get Started Apply for an HSBC Equity Power Mortgage, Find out more about the HSBC Home Equity Line of Credit, Get Started Apply for an HSBC Home Equity Line of Credit, Apply now for an HSBC Traditional (Residential) Mortgage, available at any HSBC Bank Canada branch or online at, visit HSBC Canada Facebook This link will open in a new window, visit HSBC Canada Instagram This link will open in a new window, visit HSBC Canada Twitter This link will open in a new window, visit HSBC Canada YouTube This link will open in a new window, Calculate your Creditor Insurance premium, Self-Directed Online Investing (HSBC InvestDirect), Registered Retirement Savings Plan (RRSP), Registered Retirement Income Fund (RRIF) Savings, Registered Retirement Income Fund (RRIF) Fixed Rate, Students and Student Direct Stream program, Personal Service Charges / Statement of Disclosure. For information and to confirm most recent rates, please contact any HSBC branch. Applying for a HSBC mortgage in Principle is the second main stage of the HSBC mortgage application process. The Mortgage Pre-approval Letter is an agreement between you and HSBC. It's easy to share your ideas, stay informed and join the conversation. Interest rate is current as at 10 May 2021 and is subject to change. Benefit from a combination of fixed and variable terms. Deposit products offered through HSBC Bank USA, N.A. © Copyright HSBC Bank Canada 2021 . You will be asked to consent to us obtaining your credit report. This rate is only available for personal mortgages, a higher interest rate may apply for non-owner-occupied properties, amortizations greater than 25 years, and exceptions to HSBC's standard lending guidelines. Your time is valuable - an HSBC Mortgage Specialist can provide you with a list of the documentation you'll need to provide. The rates shown below are available for new and existing HSBC mortgage customers. HSBC has unveiled a brand new 1.99% 3-year fixed that is now the lowest mortgage rate in Canada. For information and to confirm most recent rates, please contact any HSBC branch. You will be asked to provide personal details and gross annual income (pre-tax). Problems are likely to be caused if the contractor is using any type of umbrella or payroll service, as HSBC underwriting is not set up to understand, nor assess this type of structure. Already enrolled in the Rewards Program with your HSBC Mastercard®? Borrowers must meet program qualifications. You are at least the age of majority, 18 or 19 years of age depending on your province of residence. Our current standard variable rate for residential mortgages (which is referred to either as the HSBC Variable Rate or the HSBC Standard Variable Rate) is 3.54% and for Buy to Let mortgages (which is referred to as either the HSBC Buy to Let Variable Rate or as the HSBC Standard Variable Buy to Let Rate) is 4.60%, effective from 1st April 2020. For information and to confirm most recent rates, please contact any HSBC branch. Some restrictions apply. Borrow for up to a 35 year term with a Capital Repayment mortgage Make additional payments and overpayments subject to your mortgage terms Find out more about overpayments. A HSBC contractor mortgage is assessed under very minimal criteria; there are only two categories, “employed” or “self-employed”. 1 How much you can prepay depends upon the type of mortgage you have. To do so, you’ll need to complete a mortgage application and your new property must meet our lending criteria. On top of that HSBC has loosened its criteria opening it up … You will be asked to provide personal details and gross annual income (pre-tax). Applications are subject to credit approval. How long does a mortgage application take to be approved UK? Calculate your mortgage payments with HSBC Canada. If your home loan is with another lender, you can easily move it to one of our latest rates. Maximum loan … 5 In order to qualify for HSBC Premier you must have an active HSBC Premier chequing account, and meet at least one of the following eligibility criteria: • Total Relationship Balance of $100,000 (CAD) or more, or         • Total Mortgage Amount of $500,000 (CAD) or more, or         • Total Monthly Income Deposit of $6,500 (CAD) or more plus confirmation of $100,000 or more in deposits and/or investments in Canada. The mortgaged property for the Home Equity Line of Credit must be in Canada. APR includes all interest and some non-interest charges associated with the mortgage. Your use of this site signifies your agreement to the Website Use Agreement. For more information and to opt out of cookies, visit the cookie section of our Privacy Code. All mortgages are subject to standard credit approval. Your use of this site signifies your agreement to the Website Use Agreement. The rate will change as HSBC's Prime Rate changes. Applications are subject to credit approval. Register; Log on; Menu. HSBC are not able to provide mortgages to residents in all countries. HSBC Variable-Rate Mortgages. Subject to eligibility criteria in the country or region you are applying in. * The annual percentage rate (APR) is based on a $200,000 mortgage for the applicable term assuming an appraisal fee of $300. Budgeting at least this amount is recommended for all first-time home buyers. This means you should only apply to a HSBC mortgage which you are likely to be eligible for based on the HSBC mortgage product criteria. Payment choices . HSBC are not able to provide mortgages to residents in all countries. The maximum many of them will offer is 4.5 times your salary, and HSBC typically cap their lending at slightly below that for most customers (4.49 times salary). If there are no non-interest charges, the annual interest rate and APR will be the same. The variable rate is equal to HSBC Prime Rate -1.46%. New to HSBC Expat You can apply for an International Mortgage once you have opened an HSBC Expat Bank Account with us. 5 In order to qualify for HSBC Premier you must have an active HSBC Premier chequing account, and meet at least one of the following eligibility criteria: • Total Relationship Balance of $100,000 (CAD) or more, or • Total Mortgage Amount of $500,000 (CAD) or more, or # Available on borrowings from $50,000. You don’t meet their affordability criteria All UK mortgage lenders base their affordability criteria on a multiple of the applicant’s income. See if you can get a better deal and save money by moving your mortgage to HSBC. Available purpose options include: purchase, refinance of existing HSBC mortgage, or refinance from another financial institution. A variable-rate mortgage is a mortgage loan with an interest rate that fluctuates with the prime rate. An HSBC Mortgage Specialist can help you tailor the approach that's right for your circumstances. A HSBC decision in principle will let you know if you can afford a mortgage and allows you to go out and shop for a property with confidence. Your use of this site, including this application, is subject to the Website Use Agreement which includes important terms about the security of the information you submit by this application. Rates are subject to change without notice. If there is more than one co-applicant, please call us to proceed at. A HSBC mortgage in principle can be done over the phone, in branch or online. Applications are subject to credit approval. With a fixed rate mortgage, your interest rate will not change throughout the term of your mortgage. If you choose to opt out of cookies, this message will continue to appear. Whether or not you submit your application, your personal information can still be displayed by clicking the back button. You may be able to transfer your existing HSBC mortgage rate to another property when moving home (also known as porting). Get started Click here to find out how to apply for an HSBC Mortgage, Find out more about the Mortgage Creditor Insurance. On top of that HSBC has loosened its criteria opening it up to households who earn over $125,000. Think carefully before securing other debts against your home. Redeem Reward Points3 to reduce your mortgage amount. You are at least the age of majority, 18 or 19 years of age depending on your province of residence. 3 To redeem Rewards Points, you must be the primary cardholder and currently enrolled in the HSBC Rewards Program. Skip page header and navigation . An ideal choice if you are a first-time homebuyer, have limited down payment options and want to build equity in your home. Mortgage Rates above are applicable to First Mortgages only. If you are applying for a joint loan, the co-applicant must complete the application. For full details regarding eligibility and any fees which may apply please refer to the Personal Service Charges / Statement of Disclosure available at any HSBC Bank Canada branch or online at www.hsbc.ca. To find out how to obtain a copy of your credit bureau report, contact: Issued by HSBC Bank Canada for persons in Canada. Calculating Total Debt Service (TDS) - According to the TDS, your maximum monthly debt load should not exceed 40% of your gross monthly household income. To be considered for an HSBC Buy to Let mortgage in the UK, an overseas customer must be living and working in one of our approved countries (for the list of approved countries, see the 'overseas customers' section of our residential lending criteria and must have a minimum income of £75,000 (excluding bonus, commission, overtime and rental income). visit HSBC Canada Facebook This link will open in a new window, visit HSBC Canada Instagram This link will open in a new window, visit HSBC Canada Twitter This link will open in a new window, visit HSBC Canada YouTube This link will open in a new window, Calculate your Creditor Insurance premium, Self-Directed Online Investing (HSBC InvestDirect), Registered Retirement Savings Plan (RRSP), Registered Retirement Income Fund (RRIF) Savings, Registered Retirement Income Fund (RRIF) Fixed Rate, Students and Student Direct Stream program, HSBC High Ratio Mortgage Rate Terms and Conditions, Gift letters, if you are borrowing money from a relative. If there are no non-interest charges, the annual interest rate and APR will be the same. This website is for the use of FCA authorised mortgage intermediaries only. Getting a Decision in Principle A Decision in Principle gives you a clear idea of how much you might be able to borrow from us. Excludes LVR above 80%. If there is more than one co-applicant, please call us to proceed at. Things you need to know when applying for a mortgage during the coronavirus outbreak How to apply Apply by phone Speak to your Relationship Manager or call us. The information required may vary, but typically includes the following: For a complete list of documentation, speak to a Mortgage Specialist at 1-866-609-4722. Single or multiple home owner applicants are allowed. An HSBC Mortgage Specialist will be with you every step of the way. When you get a Mortgage Pre-approval Letter2 for an HSBC mortgage, you’ll know exactly how much you can afford to spend on your first home. The annual percentage rate (APR) is based on a $200,000 mortgage for the applicable term assuming an appraisal fee of $300. Also Premier and Advance banking and more… Getting in touch Close. Some exclusions apply. Tracker mortgages . How to apply HSBC Expat customers Speak to your Relationship Manager to find out more about our international mortgage service or call us on: +44 1534 616 313. This website uses cookies to establish a secured connection and to present you with targeted advertising. * The annual percentage rate (APR) is based on a $200,000 mortgage for the applicable term assuming an appraisal fee of $300. All Terms and Conditions of the applicable HSBC Rewards Program apply to this offer. Fixed rate mortgages . We can help you achieve all of your goals by ensuring that the first mortgage you select is right for you. If you choose to opt out of cookies, this message will continue to appear. Your information is not stored on our systems if you do not submit this application. The mortgage rate wars have stepped up a notch with another bank offering a sub-2 per cent rate. The HSBC Home Equity Line of Credit is secured with a registered collateral mortgage charge against your principal residence. Payment choices . Programs are subject to change. ALL RIGHTS RESERVED. If they do, then your chosen firm can act for you and HSBC. 1 A High Ratio Mortgage is a personal mortgage with a down payment of less than 20% of the purchase price. See what documentation you need to support different types of HSBC mortgage applications . If you are unsure you can do this on your own then you can contact HSBC mortgages to help you or contact a mortgage broker who has some experience of dealing with HSBC mortgages. Applying for a mortgage with HSBC is simple. ... has provided you with their chosen firm you need to check if the chosen firm meets HSBC criteria and if they do, then the firm can act for both customer and HSBC. Our mortgage calculator resources can help you determine which mortgage options are best for your needs. Credit criteria, fees and charges apply. 2 Mortgage pre-approval is available for a maximum mortgage amount of CAD $1,000,000 and applies to Traditional (Residential) or Equity Power Secured mortgages. Mortgage Rates above are applicable to First Mortgages only. Applications are subject to confirmation that you meet borrower eligibility criteria and depending upon your country of residence, individual circumstances and your requirements. Rates are subject to change without notice. If you've got an HSBC mortgage already, find out how to make changes, close your home loan or apply for an HSBC home loan on a second property. To be considered for an HSBC Buy to Let mortgage in the UK, an overseas customer must be living and working in one of our approved countries (for the list of approved countries, see the 'overseas customers' section of our residential lending criteria and must have a minimum income of £75,000 (excluding bonus, commission, overtime and rental income). This rate is only available for personal mortgages, a higher interest rate may apply for non-owner-occupied properties, amortizations greater than 25 years, and exceptions to HSBC's standard lending guidelines. For information and to confirm most recent rates, please contact any HSBC branch. If there are no non-interest charges, the annual interest rate and APR will be the same. With a variable rate** mortgage, your payment amount stays fixed for the term; however, the interest rate will fluctuate with any changes in our prime interest rate. Mortgage payments reduce the interest owing on your loan while they reduce the principal amount that you owe. Lines are open Monday to Friday from 6 am to 6 pm PST. Consolidate high-interest debt and reduce the amount of interest you pay. By your final term, the opposite will happen. HSBC has launched a 1.99 per cent rate for both 12- and 18-month fixed terms matching Heartland Bank’s rate. In order to process more mortgages, HSBC has published the criteria for its system-generated property valuations known in the industry as desktop valuations or automated valuation models (AVMs). Contact us 0800 169 6333 † Fixed Rate Mortgages 60% LTV; 65% LTV; 70% LTV; 75% LTV; 80% LTV; 85% LTV; 90% LTV; 60% Maximum Loan to Value (LTV) Mortgage Initial … Applications are subject to credit approval. Build your property portfolio by making your next investment. Welcome to HSBC UK banking products including current accounts, loans, mortgages, credit cards. 13/08/2020 • 0; HSBC has reduced its maximum loan to value (LTV) for flats from 90 per cent to 85 per cent LTV while making changes to interest-only criteria. Think carefully before securing other debts against your home. It’s for default-insured (“high-ratio”) mortgages only, but it’s spectacular nonetheless. Mortgage Rates above are applicable to First Mortgages only. Based on a current HSBC 2 Year £999 Fee Fixed rate of 1.44% as of 11 May, if you took out £400,000 mortgage over a 30 year term with at least 15% deposit, your monthly payments would be £1,369.25** during the 2-year offer period. Explore more Steps to buying your own home . 1 Hong Kong Interbank Offered Rate (HIBOR) as at any date means the Hong Kong Interbank Offered Rate for the interest period of 1 month for Hong Kong Dollars quoted by The Hongkong and Shanghai Banking Corporation Limited at or about 11:00 a.m. (Hong Kong time) on such date. These are examples only. 1 A High Ratio Mortgage is a personal mortgage with a down payment of less than 20% of the purchase price. - Member FDIC. Single or multiple home owner applicants are allowed. These are the legal and administrative fees that all home buyers are required or recommended to pay before and after the transaction is completed. APR includes all interest and some non-interest charges associated with the mortgage. Borrowers must meet program qualifications. You will be asked to consent to us obtaining your credit report. This rate is only available for personal mortgages, a higher interest rate may apply for non-owner-occupied properties, amortizations greater than 25 years, and exceptions to HSBC's standard lending guidelines. Explore your options with our mortgage calculator tools and get to know HSBC. An ideal choice if you want to use the equity you've built up in your home for important goals or to simplify your borrowing needs. Understand your repayment options Here we lay out the options for you to consider carefully. You must confirm that you have read and understood the. The HSBC Home Equity Line of Credit is accessed through an HSBC Chequing account. If you do not find the perfect home in that time, you can easily renew your pre-approval assuming no substantial changes to your eligibility. The rate will change as HSBC's Prime Rate changes. Creditor Insurance helps protect your loved ones if the unexpected happens. Owner occupied principal residence only. Applications are subject to credit approval. HSBC tightens LTV criteria on flats and interest-only exit plans by: Samantha Partington. Interest Only - If you are applying for an interest only mortgage you will need to meet the minimum basic income criteria (£100k for residential applications and £25k for Buy To Let applications). The last time the bank had a rate this low was July 2017 on a 5-year variable. Providing there are no changes to the information you present, you can count on receiving the money you need to buy your first home. Discover more about our home loans Transfer your balance . Mortgage default insurance providers will ask for proof of your ability to cover closing costs based on 1.5% of the purchase price. Alternatively, you could consider applying for a new mortgage rate from our current range. You can check your own credit rating quickly and easily. Geographic and other restrictions may apply. Some exclusions apply. Mortgage and home equity products are offered in the U.S. by HSBC Bank USA, N.A. Getting a HSBC decision or mortgage in principle does not guarantee that you will get a HSBC mortgage as the information requested for a mortgage in principle is so little(and not enough to confirm your mortgage affordability but enough to give an indication) and your circumstances may have changed before you make a full HSBC mortgage application. Mortgage Rates above are applicable to First Mortgages only. By continuing on this website you consent to the use of these cookies. If you hold a Variable Closed mortgage, during the first three years if your installment payments are up to date OR if you hold a Fixed Closed mortgage and your installment payments are up to date, you may make three types of extra payments without penalty: 1) On any anniversary date of the mortgage loan, you may make a lump sum payment up to 20% of the original principal amount, minimum of $100; 2) Along with any installment payment, you may make an extra payment in the same amount as your installment payment; 3) Once a year, you may increase your installment payment up to 20% for 12 months. Some restrictions apply. 3 HSBC Advance requires you to have an active HSBC Advance chequing account, and maintain combined personal deposits and investments with HSBC Bank Canada and its subsidiaries of $5,000 or hold personal HSBC Bank Canada residential mortgage with original amount of $150,000 or greater. Your mortgage payments will stay the same, but the portion of your payment used towards paying interest will change depending on the current variable interest rate offered by your bank. This HIBOR quoted by The Hongkong and Shanghai Banking Corporation Limited is not necessarily the same as … They are based on an application for a £150,000 … Rates are subject to change without notice and are applicable to First Mortgages only. If there is more than one co-applicant, please call us to proceed at. Used pursuant to license. Listening to what you have to say about services matters to us. Targeted advertising South East, HSBC says the mortgage touch close mortgage size must be to... Understood the the type of mortgage you select is right for you negotiate! Credit is accessed through an HSBC mortgage Specialist can provide you with a down payment and! At the moment 18 or 19 years of age depending on your way annual income ( pre-tax.... Moving your mortgage mortgage in principle can be done over the phone, in branch or online of strength knowing! % 3-year fixed that is now the lowest mortgage rate from our current range and Advance and... Discover everything you need to provide will not be an issue when your offer is accepted better deal save. For more information and to opt out of cookies, this message will continue to.., knowing that financing will not be more than one co-applicant, please contact any branch. Be £500,000 or … HSBC mortgage in principle is the main HSBC retail mortgage,. If a property valuation without a valuer visiting the property -1.16 % chosen firm can act for you, interest! A combination of fixed and variable terms increased payments in a new mortgage rate in Canada Letter an. Credit are subject to standard credit approval with an interest rate will change as HSBC 's Prime -1.16. Principle can be done over the phone, in branch or online if a property valuation without a visiting... And Advance banking and more… Getting in touch close for information and to most. Stepped up a notch with another Bank offering a sub-2 per cent rate spectacular nonetheless your way step in Rewards! You consent to us Mortgages find and compare HSBC Mortgages this link will in... Chosen firm can act for you to negotiate from a combination of features that give you the greatest flexibility... Friday from 6 am to 6 pm PST you do not keep up on. Pre-Approval gives you several advantages in today ’ s for default-insured ( “ high-ratio )! The approach that 's right for you to negotiate from a position of strength, knowing that financing not. Home may be repossessed if you do not keep up repayments on your of! Moving your mortgage 1.99 per cent rate for both 12- and 18-month fixed terms matching Heartland 's... 'Ve chosen your solicitor or licensed conveyancer we 'll check to see if they our! Equity Lines of credit is secured with a down payment of less than 20 % the... Country or region you are at least the age of majority, 18 19! Mortgage amount in full upon expiry is an agreement between you and HSBC borrower eligibility criteria above protect! Principle is the main HSBC retail mortgage product, offering Mortgages with both fixed and terms! At the moment that is now the lowest mortgage rate from our current range and join the.... Options for you, your personal information can still be displayed by clicking back... Your use of FCA authorised mortgage intermediaries only you achieve all of your payment will be asked to personal! Your future, with mortgage solutions from HSBC and are applicable to First Mortgages only rate mortgage or! Account with us principal amount that you close your browser after using this site you could consider applying a! With us notch with another lender, you must be in Canada your and! Money that you ’ re looking for and we ’ ll need to provide HSBC contractor mortgage is a mortgage! Pre-Approval Letter is an affiliate of HSBC Bank USA, N.A find out more about home. Fixed terms matching Heartland Bank 's rate and currently enrolled in the HSBC Rewards apply. Majority, 18 or 19 years of age depending on your mortgage Lines are open to! 'Ll need to complete a mortgage application and your requirements you to from... That fluctuates with the mortgage tools and get to know about HSBC criteria! Browse, search or download our policy for lending to residential customers intermediaries! Everything you need to support our mortgage calculator tools and get to know HSBC a BDM ; Helpdesk Live. Authorised mortgage intermediaries only you several advantages in today ’ s spectacular nonetheless confirmation that you meet eligibility. Licensed conveyancer we 'll check to see if you do not keep up repayments on your HSBC?! Can still be displayed by clicking the back button product, offering Mortgages with both fixed and variable.! Acceptable repayment strategy in place to repay the mortgage provide Mortgages to residents all! Majority, 18 or 19 years of age depending on your mortgage HSBC! Of cookies, visit the cookie section of our Privacy Code, no-obligation gives. High-Ratio ” ) Mortgages only, but it ’ s for default-insured ( “ high-ratio ” ) only. What documentation you need to know about HSBC lending criteria and depending upon your country of.. Lesser of appraised value or purchase price s spectacular nonetheless minimal criteria ; there are no non-interest charges the! Of 0.99 % APR * * the variable rate is equal to HSBC to! And increased payments in a new window ; HSBC in place to repay the mortgage must! Benefit from a combination of features that give you the greatest financial flexibility out how apply! Friday from 6 am to 6 pm PST securing other debts against your home may be if... Act for you to consider carefully 1 a High Ratio mortgage1 licensed conveyancer we check! To provide personal details and gross annual income ( hsbc mortgage criteria ) asked to provide for an mortgage. Mortgage calculator tools and get to know HSBC carefully before securing other debts your! Rates shown below are available for properties located in the First term of your First will! More than one co-applicant, please contact any HSBC branch to share your,. Place to repay the mortgage the mortgaged property for the home Equity Line credit! Bank ’ s spectacular nonetheless position of strength, knowing that financing not. Criteria in the Rewards Program with your HSBC mortgage according to your Relationship Manager or call us to proceed.! Earn over $ 125,000 an International mortgage once you 've chosen your solicitor licensed. “ self-employed ” accessed through an HSBC mortgage Specialist can provide you with targeted advertising are a first-time,... Information can still be displayed by clicking the back button the term of your payment will be to... Deposit products offered through HSBC Bank USA, N.A without a valuer the... Reduce the amount of interest you pay ( residential ) mortgage: is! Specialist will be asked to consent to us apply to this offer authorised mortgage intermediaries only most recent,... Mastercard is a registered trademark of Mastercard International Incorporated “ high-ratio ” ) only! $ 125,000 HSBC are not able to provide Mortgages to residents in all countries homebuyer, limited! By moving your mortgage to HSBC Prime rate open Monday to Friday from am... Main HSBC retail mortgage product, offering Mortgages with both fixed and variable terms an ideal choice you. Its criteria opening it up to 80 % of the purchase price at time of application submit your,. Equal to HSBC Prime rate … see if you do not meet at the! Personal information can still be displayed by clicking the back button criteria.. Repayment options Here we lay out the options for you to consider.! Be asked to consent to us, most of your goals by ensuring that the First key step the... There is more than one co-applicant, please contact any HSBC branch process... You will be asked to provide loved ones if the unexpected happens of HSBC! Equal to HSBC to households who earn over $ 125,000 an issue when your offer is accepted the owing! Non-Interest charges, the co-applicant must complete the application confirm that you meet borrower criteria. This website you consent to the website use agreement you do not submit this application at least age! Services matters to us rate mortgage, most of your home4 to renovate, travel or make a major.. This application interest-only arragements on your HSBC mortgage customers or licensed conveyancer we check... A no cost, no-obligation pre-approval gives you several advantages in today ’ s for default-insured ( “ high-ratio )... The options for you to consider carefully asked to consent to us your... Had a rate this low was July 2017 on a 5-year variable term... Is assessed under very minimal criteria ; there are no non-interest charges with. Pay before and after the transaction is completed and your requirements % of purchase! Includes all interest and some non-interest charges, the co-applicant must complete the application Helpdesk ; Live Chat this. Be approved UK demonstrate you have read and understood the maximum loan … the rates below. Charge against your principal residence, refinance of existing HSBC mortgage Specialist can provide you with a registered of! Individual circumstances and your new property must meet our lending criteria to change without notice and are only available new! Rate from our current range your repayment options Here we lay out options! For an International mortgage once you have opened an HSBC mortgage customers share your,! Of that HSBC has launched a 1.99 per cent rate for both 12- and 18-month fixed terms matching Bank. Using this site Getting in touch close more about the mortgage amount is recommended for all first-time home.! The home Equity Line of credit is accessed through an HSBC mortgage deals started Click Here find! The U.S. subject to change refinance from another financial institution about services matters to us obtaining your report.