Watch the video. Who can apply? You can apply to borrow more money on your mortgage if you: are the mortgage holder and have held your mortgage with HSBC for at least 6 months, or have paid off your mortgage and remain the property owner Any additional borrowing you request must be within our maximum LTV loan-to-value for the current value of your property.
Ways to apply. HSBC customers registered for online banking. Log on to apply. HSBC customers not registered for online banking. Apply without registering. If you're new to HSBC or want to speak to one of our Mortgage Specialists directly, you can call us on Lines are open from to on Monday to Saturday, and from to on Sunday. Discover more Ways to borrow. Types of loans. Back to top. With your mortgage account number to hand, our mortgage calculator will give you an idea of the deals that might be available to you and show you how likely you are to be accepted, before you apply.
If you qualify, you can choose to apply online without help or book an appointment to speak with one of our expert mortgage advisers. Mortgages paid off from May to June Mortgage Prize Draw rules apply.
Can I switch deal or make changes to my existing mortgage at the same time? If you're wanting to borrow less than this then you might want to look at other borrowing options.
If any part of your loan is to be on interest-only — including any of your existing loan - you must have a repayment plan in place and you'll need to provide suitable documentary evidence. We'll check whether your repayment plan s is acceptable to us, based on our current policy. If not, we'll discuss other arrangements with you which may include transferring some or all of your existing loan to a repayment mortgage.
Any extra money you borrow is yours to spend how you like. A new kitchen or bathroom could increase the value of your home.
If you're looking to save on your monthly payments or the total cost of borrowing you could combine your debts into one monthly payment. You could even make your dream holiday a reality. No matter what you choose to do, you should think about your other options before you borrow any extra money against your home. It will increase your total mortgage debt and your home could be at risk if you fall behind on your payments.
If you are looking to combine your existing debts, we can help you to decide if adding them onto your mortgage is the best move for you. Our mortgage advisers will ask you about your needs and circumstances and then recommend the most suitable term for your additional borrowing.
It can be the same as your mortgage term or different. Additional borrowing is secured against your home, so it's important that you keep up your repayments. You should refer to our lending criteria before you apply. How does it work? Use our calculator Get a quick estimate of how much extra you could borrow. Takes approximately 2 minutes to complete Borrowing calculator.
View deals KB. What happens next? Read more about valuations. Speak to one of our friendly mortgage advisers about your options. Savings Mortgages Insurance Life Planning. Ways of applying The application process Get a lending decision Full mortgage application Book an appointment.
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