HSBC Mortgages

Advantages: Great customer service, offer a solution
Disadvantages: None as yet

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 ...
...so we went down to HSBC with not too many hopes. The mortgage advisor was fantastic. He told it to us straight, told us the things we needed to do and ultimately, he gave us a goal to work towards. We came out not feeling like we had been laughed, which, after a fair few declines, is no small feat, and began working towards the light at the end of the tunnel. Well, the year is almost up and boy, have we worked hard. We went back to our friendly mortgage ... Read review

Advantages: Excellent free advice, no transfer fees, competitive no gimmick rates
Disadvantages: None

...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!) ...
...whole process is done by HSBC without you having to worry about the finer details. Moving house is a stressful experience as many people know too well and so when it comes to re-mortgaging it is nice that a company offers a no gimmick, smooth and cheap transition. Having been a HSBC customer for a very long time now I have also regularly used their website to manage my account online. The website is very good and I can manage all my accounts including ... Read review

Advantages: Tailored to individual circumstances
Disadvantages: May not be the cheapest if your monthly income is predicatably stable

...lower monthly payment. The HSBC adviser also discussed options for payment protection and life assurance with me but was not pushy in terms of sales technique and I did feel that I was given the option to explore taking out insurance ith a different financial institution had I so wished. The actual % can change with fluctuations in the market, so I would suggest checking with HSBC for the current rates,but I was offered. 4.61% interest ... Read review

Advantages: Mortgage to highrise building
Disadvantages: too much paper work

...untill I walked in to HSBC and explained to them that I was planning to buy a flat on the 8th floor in a high rise building and wanted a mortgage, the lady turned around and said I am sure we will be able to give you a mortgage , she also stated that HSBC bank is the only bank that will give mortgage to a high rise building. This was great and I managed to buy my flat . If HSBC also refused to give me mortgage I wouldnt able to buy my flat. I took ... Read review

Advantages: fast, easy, friendly
Disadvantages: petrol crisis!!!

I would recommend HSBC to anyone looking for a mortgage. My partner and I are first time buyers and recent graduates. HSBC were the only bank to entertain us as Graduates without 3 months wage packets. We met our Adviser at times convenient to us, as my other half works in Manchester this meant we could meet at 6.30. The mortgage was explained in simple terms that we could understand. It was sorted out within two weeks and with our solicitors ready ... Read review