Company Overview
HSBC UK is part of HSBC Holdings plc, one of the world's largest banking and financial services organizations. With over 150 years of presence in the UK, HSBC combines global expertise with local market knowledge to serve over 14 million UK customers across personal, commercial, and private banking.
Key Highlights
- Founded in 1865, with deep UK banking heritage
- Part of global HSBC Group serving 39 million customers worldwide
- Top 10 UK mortgage lender with comprehensive product range
- Strong international banking capabilities and expertise
- Leading digital banking platform with innovative services
Global Banking, Local Expertise
HSBC UK leverages the strength of a global banking network while maintaining deep local market understanding, offering unique advantages for both domestic and international customers.
Mortgage Products
Residential Mortgages
- Fixed-rate mortgages (2, 3, 5, and 10-year terms)
- Tracker mortgages following Bank of England base rate
- First-time buyer mortgages with low deposit options
- Help to Buy equity loan mortgages
- Remortgage products with competitive rates
- Green mortgages for energy-efficient properties
- International mortgages for overseas clients
Specialist Products
- Premier mortgages for high-net-worth clients
- Buy-to-let mortgages for property investors
- Commercial property finance
- Self-build mortgages
- International relocation mortgages
Global Network
Access to international banking services worldwide
Premier Banking
Exclusive services for high-net-worth clients
Digital Innovation
Award-winning mobile app and online services
Competitive Rates
Market-leading rates across all product ranges
Key Features & Benefits
Global Banking Advantages
- International banking network across 64 countries and territories
- Premier banking services for high-net-worth individuals
- Comprehensive international mortgage solutions
- Multi-currency accounts and foreign exchange services
- Global investment and wealth management services
- International business banking and trade finance
Advantages
- Global banking network and expertise
- Premier services for high-value clients
- Strong international mortgage products
- Award-winning digital banking platform
- Comprehensive business banking services
- Established brand with long UK history
Considerations
- Higher minimum requirements for Premier services
- Arrangement fees on most mortgage products
- International focus may limit local specialisation
- Complex product structures for some services
- Processing times can vary by product type
Lending Criteria
Eligibility Requirements
- Age: 18-70 years at application, maximum age 75 at end of term
- Income: Minimum £20,000 per annum for residential mortgages
- Employment: Employed, self-employed, or high-net-worth individuals
- Residency: UK residents with at least 3 years UK address history
- Deposit: Minimum 5% for residential, 25% for buy-to-let
Assessment Criteria
- Maximum loan-to-income ratio of 4.5 times annual income
- Comprehensive affordability assessment including all expenditure
- Credit score and history evaluation with detailed checks
- Stress testing at current rate plus 3% buffer
- Property valuation and location risk assessment
- International income and assets consideration for Premier clients