HSBC Mortgages & Product Transfers
We have access to HSBC's mortgage products available through our panel, including exclusive deals and product transfers for existing customers. We compare them against our comprehensive lender panel to assess which available option may suit your circumstances.
Getting a Mortgage with HSBC
Whether you're a first-time buyer, moving home, or looking to remortgage, high-street giant HSBC offers a competitive range of mortgage products. If you're an existing customer, we can secure an HSBC product transfer (rate switch) for you, often with no legal fees or valuation needed. But before you lock in, we'll check if another lender could save you more money.
- Review of HSBC mortgage products available through our panel
- Hassle-free product transfers for existing HSBC customers
- We compare HSBC against 80+ other UK lenders
- Full management of your application from start to finish
- free initial mortgage advice
Step 3 of 5
Tell us about the property
Estimates are fine — we'll refine the numbers together.
Your home may be repossessed if you do not keep up repayments on your mortgage.
HSBC Product Transfers
If your current HSBC mortgage deal is coming to an end, you might be offered a product transfer. This is a quick way to secure a new rate without a full remortgage. We can arrange this for you while also checking if switching to a new lender would be cheaper.
First-Time Buyers & Home Movers
HSBC provides various options for those buying a property, including competitive LTV (Loan-to-Value) products and flexible lending criteria. We can help you navigate their requirements and prepare an application that reflects your circumstances.
Why Use a Broker for HSBC?
Going direct means you only see one bank's products. By using us, you get access to HSBC's deals plus our comprehensive panel of 80+ lenders. We handle the paperwork, chase the lender, and help you assess the costs and suitability of the available options.
HSBC UK at a glance
Established 1865. Headquartered in Birmingham (HSBC UK Bank plc). FCA firm reference number 765112.
Specialties
- Sharp pricing at lower LTVs (60–75%)
- Premier customer relationship rates
- International / expat income considered (case-by-case)
- Standard residential and BTL
Lending criteria highlights
- Min income: £25,000 sole / £30,000 joint (Premier: higher thresholds)
- Max LTV: 90% residential, 75% BTL
- Max age at term end: 75 (residential term end)
- Self-employed: 2 years' SA302s or accounts
- Contractors: Day-rate contractors: 6 months + 6 months' history
Where HSBC UK shines
- Consistently competitive on low-LTV fixes
- Preferential Premier rates for eligible customers
- No product fees on many core deals
Watch-outs
- Tighter affordability model than some peers
- Fewer manual underwriting escalations
- Source
- HSBC UK lender or intermediary information, FCA Register records and adviser research
HSBC UK does not publish an explicit position on every point covered here. Where that is the case, the guidance reflects our adviser experience and should be confirmed with the lender before application.
Sources & further reading
These links include lender or intermediary information, background reading and FCA Register records. A general lender page does not substantiate every criterion above. Check current criteria before applying. You can independently verify lender authorisation on the FCA Financial Services Register.
HSBC Mortgages & Product Transfers — FAQs
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Get Free Expert Advice
Your initial mortgage consultation is free with no obligation. If you decide to proceed with an application, a broker fee may apply depending on the complexity of your case — typically £199–£299, capped at 1% of the loan amount or £650 (whichever is lower). The exact amount is explained and agreed in writing before any chargeable work begins. Lenders may also pay us a procuration fee on completion.
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