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Finding your mortgage just got easier

Use our upgraded service to find the perfect mortgage for you

Buying a home in the Channel Islands or Isle of Man?

Mortgages made easier

Our upgraded mortgage service and expert mortgage arrangers can help you apply for your first mortgage or move your existing one for a better rate. With their help, you won’t even need to leave the comfort of your own home.1

  • Use a digital signature to sign your document electronically, wherever you are
  • Upload most of your documents online to save you bringing them with you when you come to see us

Based on a 2 Year Fixed Fee Saver residential mortgage with a 5.74% rate and no booking fee, as of 1 March 2023, if you took out a £400,000 mortgage over a 30 year term with a 15% deposit, your monthly payments would be £2,333.22 during the 2-year offer period. This is compared to a Standard Variable Rate of 6.99% and monthly payments of £2,645.62.2

1New customers will need to come to branch to verify identification. Existing HSBC customers may also need to come in to branch to verify their ID if the record we already hold has become out of date.

2For illustration purposes only, your mortgage may differ depending on the amount, available rates and terms.

Choosing an HSBC mortgage

With a great range of mortgages offering competitive interest rates, you'll find the right mortgage for you with HSBC. Whether you're a first time buyer, an existing homeowner looking for a better mortgage deal or are investing in a buy to let, we're here to help.

  • Up to 95% Loan to Value (LTV)
  • Holistic underwriting
  • Responsible lending
  • Competitive Early Repayment charge
  • Make additional payments and overpayments subject to your mortgage terms
  • Borrow for up to a 35 year term with a capital repayment mortgage
  • Provide your decision in principle in branch
  • Free standard valuation

Buying a home in the Channel Islands or Isle of Man?

We're committed to helping you make the most of life in the Channel Islands and the Isle of Man. Buying a property is likely to be one of the biggest financial decisions you’ll ever have to make. Our dedicated mortgage arrangers will talk you through your options, answer your questions and support you through the mortgage application process.

Our mortgage arrangers are based in HSBC branches across Jersey, Guernsey, the Isle of Man, Alderney and Sark. Combining in-depth local knowledge with all the professional expertise you’d expect from HSBC, they'll help open doors to your new home.

How we can help


Ready for your first step on the property ladder? Don’t worry - we’ll be with you all the way.


Manage your existing mortgage with us.


If your mortgage is with another lender, you can easily move it to one of our competitive mortgage rates.


If you're buying a property to let or expanding your property portfolio, we have a range of buy to let mortgages for you.


We offer a range of mortgages designed to suit you.


Find out how much you could borrow or calculate your repayments.


First time buyer? Get a mortgage with a minimum 5% deposit. Max loan size £500,000.

Useful information


See what you need to start your mortgage application.


Find out how a change in the Bank of England base rate may affect your mortgage.


Find out more about payment choices as well as fixed rate and tracker mortgages.

How to apply

Check eligibility and apply

The first step to getting a mortgage is applying for a Decision in Principle. This confirms your eligibility and gives you an idea of how much you can borrow. To get your application underway, fill out our form to request a Decision in Principle.

Need more help?

Call us to book an appointment with a mortgage specialist in one of our branches. You’ll need to bring identification, proof of address and a recent bank statement.

Or call us on

03456 00 61 61

Our lines are open 07:00 to 21:00 every day.

Think carefully before securing other debts against your home.
Your home may be repossessed if you do not keep up repayments on your mortgage.

Mortgages in the Channel Islands & Isle of Man

We're here to help you. Find the answers and while you're at it, tell us how we could do better.