A world-renowned high-street bank, HSBC is one of the biggest banking and financial services organisations in the world. Giving new opportunities to their customers using their expertise and capabilities, HSBC has a range of mortgage options for you to choose from. So, no matter if you’re just getting on the property ladder or you’re moving home once again, HSBC can help you find the right mortgage product for you and your circumstances.


How much can I borrow with a HSBC mortgage?

How much you can borrow with a HSBC mortgage all depends on how much you earn, your expenses, your credit history and the property that you want to buy.

Using a mortgage calculator can give you a good indication of how much you will be able to borrow. Bear in mind though that this may change depending on your loan-to-value (LTV) ratio and the lender’s affordability checks.

If you have the option to make a joint mortgage application with someone else who has an income, this could increase how much you are eligible to borrow as you’d have a larger combined income.

Can I make a joint HSBC mortgage application?

Yes, HSBC offer joint mortgage applications for a maximum of two people. If you’re considering making a joint mortgage application, make sure it is with someone you trust if they will also be contributing to your mortgage repayments. A missed mortgage repayment could negatively impact both your credit scores, so it is essential you choose a partner, friend or family member that you can rely on.

How long does a HSBC mortgage offer last for?

With HSBC, their mortgage offers last for six months. If you’ve made a joint application and one applicant accepts the mortgage offer, the other applicant will have two weeks to complete their part of the application process.

Our lenders and partners

You know, we don’t work with just anyone. We only work with trusted UK lenders and credit card providers that will help you find your best borrowing option.