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Apply for a mortgage

You can speak to one of our mortgage advisors or apply online

Applying for a mortgage with HSBC is simple. It involves two key stages: getting a Decision in Principle (sometimes called an Agreement in Principle), then making a mortgage application. 

Things you need to know when applying for a mortgage during the coronavirus outbreak

If your income has been affected by COVID-19, we've made some temporary changes to how we'll assess it.

Getting your Decision in Principle

Applying for a Decision in Principle can be done online or you can speak to one of our mortgage advisors.

  • a Decision in Principle will give you an indication of the amount you may be able to borrow based on what you tell us and our security checks, including a soft credit check. A soft credit check will include an initial enquiry against your credit history and it will have no impact on your credit score. This won’t be seen in searches by other companies
  • when it comes to considering your application, we'll perform a full credit check, which may highlight anything in your credit history that would affect a mortgage application. A full credit check is a complete check against your credit history which is recorded on your credit file and is visible in searches by other companies
  • a Decision in Principle is useful to have if you are house hunting, to show estate agents that you’re serious about buying a property. Please note a Decision in Principle is not an offer to lend to you and does not mean you are committing to apply for a HSBC mortgage

Get a Decision in Principle now

After receiving your Decision in Principle you can choose to receive mortgage advice or, if you already know which mortgage you wish to apply for, you can complete your application entirely online, however, you will not receive advice.

Due to the coronavirus, we’re directing all applicants with any form of self-employed income to apply by telephone or attend a video appointment using Zoom.

You can complete your Decision in Principle online, then call us to book an appointment with one our mortgage advisors.

There's currently a temporary Stamp Duty holiday for homebuyers in England and Northern Ireland. Learn more about Stamp Duty.

This Stamp Duty holiday is due to end on 30 June 2021.

It’s important that you’re aware of the following information:

  • we can’t guarantee your purchase will complete by 30 June 2021
  • if you choose to use a non-HSBC panel conveyancer, this may result in a longer transaction length when compared with using a HSBC panel conveyancer
  • if your purchase does not complete before the end of the Stamp Duty holiday, you may need to pay Stamp Duty
  • your chosen conveyancer will be able to advise you of any impact the end of the Stamp Duty holiday may have on your purchase

Are you applying online as:

  • A new customer
  • An existing customer who is not registered for Online Banking
  • Existing HSBC customer who is registered for Online Banking

Applying for a mortgage

Once you’ve got your Decision in Principle – you can apply for a mortgage. Call us to book an appointment with one of our mortgage advisors, or you can apply online.

You will be asked to provide relevant documents to support your application.

Think carefully before securing other debts against your home.

Your home may be repossessed if you do not keep up repayments on your mortgage.

What happens next?

Once you’ve submitted your documents to support your application, the following are the key next steps:

  • we’ll arrange a valuation of the property
  • if your mortgage application is approved, we’ll send you an offer
  • after this, the legal work will be conducted
  • once all the legal work is finished, your HSBC mortgage will be complete

Existing customer switching rates

If you're an existing HSBC mortgage customer interested in switching to a new mortgage rate, we can help you look at your options.

Already applied?

Started a mortgage application with a mortgage advisor or online? Log in to complete your application or track its progress.

Please see our current rates and any mortgage fees that may apply.

Need help?

Call us on: 0800 169 6333

If you are a Premier customer : 0800 085 2466

1 Lines open Monday – Saturday 08:00 – 20:00, Sunday 09:00 – 18:00. Calls may be monitored and recorded. Opening hours within the mortgage departments may vary.

It’s easy to answer your query online. Visit our Help page to find out how.