Get Expert Support for HSBC Mortgages
Specialist Support for HSBC Mortgages
HSBC is one of the UK’s largest banking institutions, offering residential and buy-to-let mortgages for a wide range of borrowers. They are known for competitive rates, flexible lending, and accommodating self-employed or non-standard income applicants. At Mortgage‑Tek, we connect you with HSBC’s best deals and provide expert guidance throughout the mortgage journey.
We work with more than 120 mortgage lenders, including
Why
Why HSBC Mortgage Is a Great Option
Why HSBC Mortgage Could Be the Right Fit for You
HSBC mortgages are suitable for borrowers who may not fit conventional lending criteria. Self-employed individuals, contractors, or those with complex income can benefit from HSBC’s flexible approach, where applications are assessed by real underwriters rather than automated systems.
They offer competitive rates across multiple mortgage types, including residential, buy-to-let, and remortgages. Many of HSBC’s best products are broker-exclusive, and Mortgage‑Tek ensures you get access, guidance, and full support through the application process.
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Criteria of HSBC Mortgage
Who Can Apply for a HSBC Mortgage?
Age Criteria
Applicants must be at least 18, and maximum age at mortgage term end is typically 70–75 years depending on product.
Residency Status
UK residency with verifiable address history is required to meet HSBC’s underwriting and compliance standards.
Residential Income
 No strict minimum income; affordability checks ensure applicants can repay the mortgage reliably under normal circumstances.
Buy-to-Let Income
Minimum income usually £25,000; rental income must meet HSBC’s ICR, typically 125–145% of the mortgage interest.
Self-Employment History
Self-employed applicants need 12+ months trading history, supported by SA302s, tax returns, or full financial accounts.
Contractor Criteria
Contractors must provide current contracts and proof of consistent income; some zero-hour contracts may be considered.
Credit Profile
Clean credit history preferred; minor issues may be considered case by case, but major adverse credit affects eligibility.
Property Standards
Properties must meet HSBC’s valuation requirements and acceptable construction standards to qualify for mortgage approval.
Affordability Checks
Applicants must pass HSBC stress and affordability tests to confirm repayments remain manageable if interest rates rise.
Benefits of Securing HSBC Mortgage
Why Choose a Mortgage from HSBC Mortgage?
HSBC provides flexibility, competitive rates, and support for a wide range of borrower types.
Flexible Lending Criteria
Accepts applicants with non-standard income, including self-employed, freelancers, and contractors.
Manual Underwriting
Real underwriters assess applications, increasing the likelihood of approval for unique circumstances.
Competitive Interest Rates
Access a wide selection of fixed-rate, tracker, and broker-exclusive deals often better than high street offerings.
Buy-to-Let Friendly
Suitable for individual landlords and limited companies, including first-time landlords and portfolio investors.
Support for Product Transfers
Existing customers can switch products without a full remortgage.
Backed by HSBC Bank
 Part of a globally recognised banking institution, offering reliability, stability, and long-term support.
Partnering with HSBC Mortgage
Our Role in Securing Your HSBC Mortgage
At Mortgage‑Tek, we work closely with HSBC to help you access the right mortgage product without stress. As authorised brokers, we understand HSBC’s lending criteria, product range, and underwriting approach. From the initial conversation to final approval, we manage the process, compare options, prepare your application, and liaise directly with HSBC. This ensures a smoother experience, saves time, and improves your chances of securing the ideal deal.
Compare & Find the Right Mortgage For You
Compare HSBC Mortgage with Other UK Mortgage Options
Mortgage Comparison
Compare HSBC mortgages with other UK lenders to see how their flexible criteria and competitive rates stack up. Whether you’re self-employed, a contractor, or a landlord, we’ll help you find the most suitable option.
Mortgage Quote
Get a personalised quote from HSBC through Mortgage‑Tek. We assess your situation and provide clear guidance on the best product, with no obligation or pressure.
BORROW
Curious About How Much You Can Borrow?
Not sure how much you could borrow with HSBC? Use our calculator to estimate based on your income and expenses. Whether buying your first home, moving, or investing, it’s a great first step before speaking to a mortgage expert. No credit checks, just instant results.
Your Estimated Borrowing Amount
Let’s Connect
Looking to speak with an expert about HSBC Mortgages?
 We’ll guide you through HSBC’s mortgage products and help secure a deal tailored to your circumstances.
Fast, clear, and personalised advice brings you one step closer to your new home.
FAQ’s
Can I apply directly with HSBC Mortgages?
Some products are accessible directly, but many deals are broker-exclusive and require application through Mortgage‑Tek.
Our Partner: https://contractormortgagesolutions.co.uk/
Does HSBC accept self-employed or contractor applicants?
Yes. Self-employed and contractor applicants must provide at least 12 months of trading history with supporting documentation like SA302s or tax returns.
What is the minimum deposit required for an HSBC mortgage?
Residential mortgages usually require a 5% deposit (95% LTV). Buy-to-let mortgages typically require 20–25% depending on property and circumstances.
Can limited company landlords apply for buy-to-let mortgages with HSBC?
 Yes. HSBC supports individual and limited company landlords, though additional documentation, including company accounts and director details, may be required.
How long does it take to get a mortgage offer from HSBC?
 Once all documents are submitted, HSBC typically issues offers within 10–15 working days, depending on case complexity and property valuation.
What credit score do I need to qualify with HSBC?
- There’s no set score published. A clean credit history improves approval chances, but minor credit issues may be considered on a case-by-case basis.