With our Home Loan and Mortgage Services, you can enjoy competitive rates and a range of benefits. You will be asked to provide relevant documents to support your application. Rate displayed includes a 0.05% discount off our Special Offer rate and is only available for residential mortgages. Think carefully before securing other debts against your home. If you're new to HSBC, we'll need to see your overseas credit report. When this period ends, your mortgage interest rate will move to the HSBC Standard Variable Rate*. You can find out how much you may be able to borrow by completing a Decision in Principle online. Usually HSBC is faster. The minimum balance requirement must be fully funded before the closing of the mortgage loan. Once you’ve submitted your documents to support your application, the following are the key next steps: If you're an existing HSBC mortgage customer interested in switching to a new mortgage rate, we can help you look at your options. Buying your second home . Applying for a HSBC mortgage? 4 Lesser of appraised value or purchase price at time of application. HSBC offers support for financing homes, refinancing mortgages, equity assessment and more. HSBC Fixed Term Tracker rates are variable and set at a fixed margin above the Bank of England Base Rate for the defined period, when this period ends, your mortgage interest rate will move to the HSBC Standard Variable Rate. Once you have gotten all your documents together and have gotten your HSBC mortgage in principle then you can look to get a mortgage offer by starting your HSBC mortgage application online or in the branch. Please call us with the hotline number immediately if you suspect any fraud. Your mortgage account number and sort code can be found on your mortgage statement, or offer. Calls may be monitored and recorded. Applications are subject to credit approval. Manage your HSBC mortgage . Opening hours within the mortgage departments may vary. HSBC Group | © Copyright HSBC Group 2002-2021. As part of the mortgage application process, we'll ask you to provide some documents to support your application. HSBC Jade customers. Find the right mortgage now. Learn more about Stamp Duty. It involves two key stages: getting a Decision in Principle (sometimes called an Agreement in Principle), then making a mortgage application. 6 HSBC Deluxe Mortgage requires combined personal deposit and investment ‡ balances of at least $75,000 U.S. Find out how to progress, Log on to get started This link will open in a new window, Follow HSBC UK on Facebook This link will open in a new window, Follow HSBC UK on Twitter This link will open in a new window, Follow HSBC UK on YouTube This link will open in a new window, Our website doesn't support your browser so please upgrade, View our service status to see how we're doing, Careers, media, investor and corporate information, for monthly payslips, 12 times the earned amount from hours worked, for four weekly payslips, 13 times the earned amount from hours worked, for bi-weekly payslips, 26 times the earned amount from hours worked, for weekly payslips, 52 times the earned amount from hours worked, 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. The actual process of making a mortgage application – after you’ve got your Decision in Principle – can be done over the phone, in branch or online. Call us and let us know how we can help you ; We will not include any furlough or job support income in your application. Our contact centres are extremely busy at the moment, please don’t call us unless it’s urgent. Subject to status. Browse all the home loans services we provide at HSBC New Zealand. All rights reserved, You can apply over the phone, in a branch or online. 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. Please call or visit your nearest branch to book an appointment with a dedicated mortgage arranger. HSBC Deluxe Mortgage 10/6 ARM: The total repayment term for this ARM loan is 30 years or 360 payments. We will not include any furlough or job support income in your application. Discover expat mortgage options with HSBC Expat, including home loan plans for renting and buying, locally and abroad. Move your mortgage with confidence today. 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. Due to the coronavirus outbreak we are experiencing more calls than usual, so our wait times may be longer. What happens next; Check and edit application; Add or remove an applicant; What you've done so far; View your documents; You need to log on using your mortgage security details to view the application. Mortgage and home equity products are offered in the U.S. by HSBC Bank USA, N.A. Please see our current rates and any mortgage fees that may apply. A HSBC mortgage application can take as much as 3 weeks to process but some HSBC mortgage applications can take as little as one week. Welcome to HSBC UK banking products including current accounts, loans, mortgages, credit cards. We make it easy to get information you need on your mortgage or Home Equity Line of Choice. HSBC Mortgage Switch Rate Offer Terms and Conditions. For joint applications, we’ll assess the payslips of both applicants to work out your. You don't need an existing HSBC account to apply for a mortgage with them. Talk to us directly through our chat channels. HSBC Fixed rates are fixed for a specific period. Applying for a Decision in Principle can be done over the phone, in branch or online. All rights reserved, Pick up where you left off or check progress of an application made in branch, over the phone or online. If you're already an HSBC Expat customer, you can find out more about our international mortgage service by speaking to your Relationship Manager. Speak to us today to discuss your needs. Switch to another HSBC rate, borrow more or make changes to your HSBC mortgage. Once you’re ready to complete your full application, you’ll need to contact us to book an appointment. In each case, the correct paperwork will be required. Get all the information from our loan centre inside. Continue your application by selecting 'My saved applications' from the 'My banking' menu. How to apply. Call (852) 2233 3322 You can complete your Decision in Principle online, then call us to book an appointment with one our advisors. View the supporting documents which will be required and book an appointment with a Mortgage Advisor. No warranty or representation is given by HSBC as to its accuracy, completeness and/or fitness for a particular purpose. Programs are subject to change. This is because of the very high demand we’re experiencing during the COVID-19 outbreak. As there are 52 weeks in a year: 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. Rates are subject to change without notice. Call us on: +44 1534 616 313. Think carefully before securing other debts against your home. Things you need to know when applying for a mortgage during the coronavirus outbreak This Stamp Duty holiday is due to end on 31 March 2021. Refinancing your home . At HSBC we work hard to offer you a competitive mortgage deal when you remortgage with us. This service is solely for supporting product application and not intended to give any urgent banking instructions or report any urgent fraud or suspicious transactions. Buying your first home . It’s easy to get in touch online. Continue your application . Yes - exit application Think carefully before securing other debts against your property. Your affordability for your application will be based on the hours you worked, as evidenced in your latest payslip. Help & support. A soft credit check will include an initial enquiry against your credit history and it will have no impact on your credit score. Log in to complete your application or track its progress. Learn more about HSBC Mortgages. You can do your HSBC mortgage application online, in branch or over the telephone. 1 Lines open Monday – Saturday 08:00 – 20:00, Sunday 09:00 – 18:00. Compare fixed rate, floating rate, split home loan and more. If you've already got your Decision in Principle, you can book a Zoom video appointment with one of our mortgage advisers to complete your application. Started a mortgage application over the phone, in branch or online? Log on below using your unique username. The time it takes for a HSBC mortgage application will heavily depend on the type of mortgage and the specific circumstances of the borrower. Step 1 - Provide us with your supporting documents. Your mortgage application. Have you started a mortgage application but haven't finished? 3 When you purchase a property and obtain a personal mortgage loan ("Mortgage") with HSBC Bank Canada ("HSBC"). Call us. ... Then, we'll let you know what you’ll need to do for your mortgage application. Our website doesn't support your browser so please upgrade. Make your dream home in the UAE a reality with HSBC. If your working hours have recently changed, your payslip will need to evidence this. See our help and support pages for guidance and to find out what you can do through online and mobile banking. It involves two key stages: getting a Decision in Principle (sometimes called an Agreement in Principle), then making a mortgage application. Your home may be repossessed if you do not keep up repayments on your mortgage. The HSBC mortgage application HSBC is one of the biggest mortgage lenders in the UK. Back to top . The HSBC mortgage application process. You can also see them by logging on to online banking and looking under ‘My Accounts’. Your property may be repossessed if you do not keep up repayments on your mortgage. 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, An existing customer who is not registered for Online Banking, Existing HSBC customer who is registered for Online Banking, we can’t guarantee your purchase will complete by 31 March 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, 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. 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 If your income has been affected by COVID-19, we've made some temporary changes to how we'll assess it. Any mortgage loan application and the Terms & Conditions for the loan – including but not limited to the loan-to-value ratio and loan amount – are subject to our final approval. Contact HSBC. Talk to us directly through our chat channels. See our help and support pages for guidance and to find out what you can do through online and mobile banking. For the first 120 months, the principal and interest payment will be $3992.93 with a corresponding interest rate of 2.580%. HSBC mortgage application You can apply for a mortgage with HSBC online, on the phone or by visiting a branch. You're always in control of your mortgage account information with HSBC’s Personal Internet Banking. 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. Our contact centres are extremely busy at the moment, please don’t call us unless it’s urgent. Our mortgage arrangers are based in HSBC branches across Jersey, Guernsey, the Isle of Man, Alderney and Sark. A HSBC mortgage application could also take as little as 24 hours. Compare our mortgages to find the right one to suit your next home. Mortgage Rates above are applicable to First Mortgages only. Call (852) 2233 3033. Log on below. If you want to make payments to more than one mortgage account, you'll need to follow the process above for each account. How to apply. Log on and pick up where you left off, or check the status of your completed application. We’ll then include any additional worked hours in our assessment. County Account type Mortgage details Application Type (please circle) Purchase Remortgage Buyer type / Remortgage Find out more Find out more about HSBC HomeSmart-i Mortgage This link will open in a new window. 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