HSBC Mortgages

I have never banked with HSBC, but was looking to remortgage to a lower rate a year ago and after having a bit of a look around I decided on HSBC. The reason for my decision was due to them having the lowest rate for my circumstances. When I applied for the mortgage it was done over the phone, this is where they took all of our details and did a credit score, all went very smoothly. They then sent me out a pack of things to fill in and send back, this was to be taken to our local branch to be certified and sent off, they just wanted all the normal stuff, ID, proof of income and the like. Went ... more

My partner has banked with HSBC since his student days and has had his fair share of run-ins with them (like over-extending the overdraft and maxing out the credit card etc!) but has mellowed out somewhat in the time we have been together. Following a period of what I fondly refer to as 'credit hell' we having been working our butts off ever since to try and improve our credit rating to get back to a clean slate. Circumstances came up (at not such a great time, which is normal)and we found ourselves in need of getting or having 12 months to find a lender who would offer us a mortgage. It ... more

I have banked with HSBC since I was 16 (then called Midland Bank). I'm in my late 30s now. My wife and I are first time buyers. I contacted a financial adviser and told him I had done an online agreement in principle with HSBC and the rate I got was 4.69% APR. He said to be honest use them as that's a good rate if I get problems come back and speak to him. So I took his advise. I have a 13,000 loan payable over 5 years around 226 per month with HSBC to consolidate all credit cards. We both have a good credit history no defaults or CCJs apart from 2 late payments on my part within the last 12 ... more

I had been in UK for only three years when we(Me and My Husband) decided to buy our first house. We were refused Mortgage by all the high street banks and other lenders too were not interested even though we were prepared to pay about 15% of the house-price. Everyone wanted permanent Resident status in the UK. HSBC offered us 95% to value mortgage for 2 years at a reasonable variable rate of 4.49% which was 0.01% below the bank base rate at that time. Our mortgage adviser at the high street branch was very informative and professional. She processed our application swiftly once she was ... more

Recently I decided to transfer my mortgage with Accord Mortgages as my fixed rate term was coming to an end. The HSBC website gave me an accurate quote for Mortgage, Monthly Repayment amount and Insurances like unemployment and sickness. There are also the various types of mortgage they offer like Fixed rate, first time buyer etc, all available to view on the site where you can type in factors such as amounts you wish to borrow, repayment term etc to give a quote online instantly. If you decide the mortgage is satisfactory (like me!) you can go ahead and request to speak to someone to start ... more