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Compare HSBC Mortgages. 

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Compare HSBC mortgages

HSBC’s various mortgages are tailored to different types of borrowers. Which represents a good match for you will depend on your borrowing needs and personal circumstances.

First Time Buyer mortgages

HSBC offer mortgages specifically targeted to first time buyers to help them get a foot on the property ladder. Their mortgages include fixed rate, tracker rate and discount rate mortgages, giving you a variety of options to choose from.

Buy to Let mortgages

If you already own your own property, HSBC will allow you up to 75% of the value of an additional property to buy and rent out. They may also take into account the likely rental income of the property and assess how this relates to the monthly repayments on your mortgage.

Remortgaging with HSBC

As interest rates change and new mortgage deals become available, it can sometimes save you money to switch your mortgage to a new provider. This can also be an attractive option if you need to raise extra money for purposes such as home improvement. Taking out a new mortgage with HSBC to pay off an existing mortgage can leave you with lower monthly repayments or a spare lump sum.

Second charge mortgages

Additional secured borrowing can sometimes make more sense that remortgaging when you need to raise extra cash. This is most often applicable if you already have a better deal on your existing mortgage than you can find from a new provider.

Additional secured borrowing on top of an existing mortgage is often known as a second charge mortgage and can allow you to access extra money relatively quickly and simple. It can often allow you to take your overall borrowing up to as much as 90% of your home’s total value.

Loan to value ratio

Two main things influence how much you can borrow as a mortgage: your personal income and your loan to value (LTV) ratio. LTV is a way of showing how much you want to borrow as a percentage of the market value of a property. Properties with a lower LTV will usually attract lower interest rates.

For example, if you have a property worth £100,000 and you need to take out a mortgage for £50,000, this will give you an LTV of 50%. If you then wanted to borrow an extra £25,000, this would increase your LTV to 75% as both new and existing debt are taken into account.

Find the best deals on mortgage rates

Many borrowers worry that they are not getting the best deal on their mortgage which is why we offer a free mortgage calculator to help you find the right deal for you.

All you have to do is head to the top of the page and enter some basic information, such as how much you need to borrow, how long you want to repay over and why you need the money. The calculator will then show you the most appropriate deals for your requirements from across the market.

Independent Mortgage Advice

Remortgaging is particularly popular at the moment as interest rates are low.

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Whether it will be a good idea for you to remortgage depends on a number of factors, including your goals and your personal circumstances.

However, in general, if interest rates are lower than you are currently paying on your mortgage, it may be a good time to remortgage.

If interest rate are higher than you are currently paying, it may be better to look at other options, such as a second mortgage or a personal loan (if you aim is to borrow more).

If you are not sure whether now is the right time to remortgage, it is a good idea to speak to an independent mortgage broker who will be able to offer impartial advice on HSBC mortgage options & alternative lender options.

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

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