HSBC UK
BankHSBC UK is the British retail arm of the global HSBC Group, providing mortgage solutions for UK residents, expats, and foreign nationals. Its international reach makes it a leading choice for borrowers with overseas income or cross-border property requirements.
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Lending Focus
HSBC UK offers mortgage products across 4 categories including Residential, Buy-to-Let, Expat and 1 more.
Key Features
- Specialist expat and foreign national mortgage products
- Offset mortgage linking savings to reduce interest payable
- Fee-free mortgage options with no arrangement or booking fees
- International income accepted for mortgage affordability assessments
- Premier and Jade mortgage rates for high-net-worth clients
Pros & Cons
Pros
- Specialist expat and foreign national mortgages — one of the few UK lenders offering these
- Fee-free mortgage options available across a wide product range
- Offset mortgage facility allows savings to reduce interest costs
- Preferential rates for Premier and Jade high-net-worth clients
Cons
- –Maximum LTV of 90% — lower than some competitors offering 95% LTV
- –No shared ownership, Help to Buy, or self-build products
- –Can be slower to process applications than some high street rivals
Fees & Charges
Arrangement Fee
£999 or fee-free options available
Valuation Fee
Free on most residential products
Early Repayment Charge
1–5% during the initial deal period
Overpayment Allowance
Up to 10% per year without charge
Mortgage Rates
Rate data coming soon
We're working on adding live mortgage rate information for HSBC UK. In the meantime, visit their website for the latest rates.
View rates on HSBC UKApplication Process
Processing Time
3–5 weeks from application to offer
Online DIP
Yes — available online
Offer Valid For
6 months
Lending Criteria
Maximum LTV
90%
Max Loan Amount
£5m
Min Loan Amount
£25k
Rate Types
fixed, tracker, offset
Frequently Asked Questions
Can I get an HSBC mortgage as an expat living abroad?
Does HSBC offer fee-free mortgages?
What is the HSBC offset mortgage?
Does HSBC accept foreign currency income for mortgage applications?
How to Apply
Direct & Broker Access
You can apply directly with HSBC UK or through a mortgage broker. Using a broker gives you access to the whole market and may secure better terms. Find a broker
Contact Information
Need a HSBC UK Broker?
Find FCA-regulated mortgage brokers who have HSBC UK on their lender panel.
Find a BrokerRegulatory Status
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Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice. Always verify lender details directly and seek independent advice before making financial decisions.