Find a Mortgage with our Mortgage Calculators

Our calculators are here to help you select and understand how your mortgage can work for you. We have a range of calculators to help make things simpler for you, from finding a mortgage to calculating payments.

This calculator allows you to compare our mortgage options to help you decide which one may be right for you.

Use our helpful mortgage calculator to work out how much we may be prepared to lend you.

The overpayments calculator is intended to provide a general overview of the time and interest that may be saved if you make additional extra repayments. The information provided by this calculator is intended to provide a general overview and the figures and time periods are illustrative only.

The repayments calculator helps you to work out how much your monthly payments could be.

The information provided by this tool is for guidance. It does not include the details that you need to choose a mortgage and does not constitute an offer of a mortgage from us. The figures are illustrative only.

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

Our mortgage specialists are here to help.

Textphone: 1800 10800 028 0126

Our mortgage specialists are here to help.

Textphone: 1800 10800 028 0126

If you would like a face-to-face chat, just pop in to a branch.

† Lines open Monday to Friday 8am - 9pm, Saturday 8am - 8pm, Sunday 9am - 6pm. Calls may be monitored and recorded. Opening hours within the mortgage departments may vary.

Read more about Online Banking

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Register in app to start using today. Read more about HSBC Mobile Banking app

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To apply for a Flexiloan, you need to have an HSBC current account, be 18 years or older and a UK resident.

Do I need a solicitor or conveyancer?

As part of your home purchase you will require a solicitor or licensed conveyancer to represent you, HSBC will also require a solicitor or conveyancer to act on its behalf.

You have three options to choose from. Please see your conveyancing options for information available to you.

How can I secure the interest rate?

We will reserve the interest rate once you have paid the booking fee (if applicable) and an Underwriter has approved your mortgage application.

HSBC use an approved panel of surveyors to value properties we lend against. For purchase, remortgage and homeowner loan applications we'll carry out a Standard Valuation to ensure the property we are lending against provides suitable security for a HSBC mortgage.

If you're purchasing a property you may wish to have a more comprehensive valuation carried out such as a Homebuyers Report or Building Survey and you have the option to use your own valuer however one of our approved panel of surveyors will need to carry out a Standard Valuation. Alternatively you can use one of our approved valuers for a more comprehensive valuation when they visit the property for a Standard Valuation. See our Valuation Fee Scale for details on costs.

Do you lend on new build properties?

Yes, we may lend up to a maximum of 85% Loan to Value (LTV) on New Build Properties. If you have a an LTV greater than 75% you will be required to have a minimum deposit of £25,000.

A New Build Property is defined as:

  • a building that has been built in the last 24 months which includes property bought directly from a builder or developer
  • a property that has yet to be occupied for the first time

  • a property that is yet to be occupied in its current form, for example following a renovation or conversion

The property you're purchasing must have an HSBC recognised satisfactory Structural Defects Warranty.

What documents and information will I need for my mortgage appointment?

Print off our Mortgage Appointment Checklist which has a full list of the documents and information you will need to provide at your mortgage appointment.

HSBC Premier eligibility criteria:

HSBC Premier is available to you, as long as you pay your annual income into your HSBC Premier Bank Account and either:

  1. have savings or investments of at least £50,000 with HSBC in the UK; or
  2. have an individual annual income of at least £100,000 and one of the following products with HSBC in the UK:
    • a mortgage;
    • an investment, life insurance or protection product;

Or, qualify for HSBC Premier in another country.

Please note: HSBC in the UK excludes M&S Bank, first direct and HSBC Expat. For the second criteria, in the case of a joint account, at least one of the parties must have an individual annual income of at least £100,000. The investment, life insurance or protection products also include those purchased through one of HSBC's advisers.

This link may allow you to access a non-HSBC website. HSBC has no control over the linked website and is not liable for your use of it.

What is the Help to Buy: mortgage guarantee?

Many credit-worthy people are finding it difficult to get a mortgage today because of the large deposits needed following the financial crisis. To help address this, the Government has created the Help to Buy: mortgage guarantee scheme to increase the number of low-deposit mortgage available for credit-worthy households.

Under the scheme, the Government offers mortgage lenders the option to purchase a guarantee on mortgages for a new or existing property, where a borrower has a deposit of between 5% and 20%. Because of this support, participating lenders are able to offer more mortgages to borrowers with small deposits.

If you can afford to repay a mortgage but don?t have a large deposit, this scheme will benefit you by giving you access to low deposit mortgages. This means you won?t have to wait and save up for a large deposit to buy or move home.

Does the scheme guarantee my payments?

The scheme does not guarantee your payments. You are responsible for paying your mortgage under this scheme in exactly the same way as any other mortgage. The benefit to you is the ability to get a mortgage with a lower deposit.

You can also visit www.helptobuy.org.uk to find out more about the scheme.

If you would like advice as to which of our mortgages may be suitable for you, make an appointment to see one of our Mortgage Advisors. They will review your financial situation and will provide advice and recommendation as to which HSBC mortgage product is most suitable for you based on the information you provide. Please note, that HSBC does not offer or provide advice in relation to Buy to Let mortgages.

You can apply online whenever it suits you. However, by choosing to apply online you will not receive advice in respect to your mortgage and we are not required to assess the suitability of the mortgage product(s) that you select. This means you won't benefit from the protection provided to consumers by the Financial Conduct Authority's rules which otherwise require mortgage lenders to assess the suitability of such mortgage product(s) for you. As a responsible lender, we will also consider whether your mortgage payments and any associated repayment strategies meet our credit policy.

If at any point you'd like some help, simply call our specialist mortgage team on 0800 032 4706 or visit your local HSBC branch where we'll be happy to discuss your requirements.

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Call us on 0800 169 6333

† Lines open Monday to Friday 8am - 9pm, Saturday 8am - 8pm Sunday 9am - 6pm. Calls may be monitored and recorded. Opening hours within the mortgage departments may vary.


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Warning: The cost of your monthly repayments may increase.

Warning: If you do not keep up your repayments you may lose your home.

Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.

Existing Home Loan Customers - Cost per €1,000

Annual Percentage Rate of Charge (APRC) is calculated for existing business fixed rates using the Standard Variable Rate (SVR) as the applicable rate following the fixed rate period.

Note: This is for information only. The Standard Variable Rate option is available to existing customers only with this option noted in their terms and conditions.

Commercial Mortgage Loan for SMEs

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