Applying for a mortgage with HSBC is simple. It involves two key stages: getting Decision in Principle (sometimes called an Agreement in Principle), and then making a mortgage application. 

Getting your Decision in Principle

Applying for a Decision in Principle can be done over the phone, in branch or online.

  • A Decision in Principle will give you an indication of the amount you may be able to borrow based on what you tell us and our security checks, including a soft credit check. A soft credit check will include an initial enquiry against your credit history and it will have no impact on your credit score. This won’t be seen in searches by other companies.
  • When it comes to considering your application, we'll perform a full credit check, which may highlight anything in your credit history that would affect a mortgage application. A full credit check is a complete check against your credit history which is recorded on your credit file and is visible in searches by other companies.
  • A Decision in Principle is useful to have if you are house hunting, to show estate agents that you’re serious about buying a property. Please note a Decision in Principle is not an offer to lend to you and does not mean you are committing to apply for a HSBC mortgage.

Get a Decision in Principle now

After receiving your Decision in Principle you can choose to receive mortgage advice or, if you already know which mortgage you wish to apply for, you can complete your application entirely online, however, you will not receive advice.

Are you applying online as:

  • A new mortgage customer
  • An existing customer who is not registered for Online Banking
  • Existing HSBC customer who is registered for Online Banking

Applying for a mortgage

The actual process of making a mortgage application – after you’ve got your Decision in Principle – can be done over the phone, in branch or online. 

You will be asked to provide relevant documents to support your application.

Think carefully before securing other debts against your home.

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

What happens next?

Once you’ve submitted your documents to support your application, the following are the key next steps:

  • We’ll arrange a valuation of the property
  • If your mortgage is approved, we’ll send you an offer
  • After this, the legal work will be conducted
  • Once all the legal work is finished, your HSBC mortgage will be complete.

Existing customer switching rates

If you're an existing HSBC mortgage customer interested in switching to a new mortgage rate, we can help you look at your options.

Already applied?

Started a mortgage application over the phone, in branch or online? Log in to complete your application or track its progress.

† 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.