Mortgages to help you get your foot on the ladder
Buying your first home is an exciting time, but can feel overwhelming.
We're here to help make the process easy and enjoyable. Our experts share their knowledge and tips to make it simple.
Research your first-time buyer options
Check the latest rates and more so you can make an informed decision.
Why choose an HSBC mortgage?
- Competitive ratesExplore our latest rates to find one that fits your budget.
- Free property valuationAll our mortgages come with a standard property valuation at no extra cost, so there's less to think about.
- Borrow up to 6 times your salaryExpand your budget by borrowing up to 6 times what you earn.
- 95% loan-to-value (LTV) mortgages availableGet a mortgage with a minimum 5% deposit. Max loan size £500,000.
- Make additional payments and overpaymentsIf you find yourself with some extra cash, you could pay off your mortgage ahead of schedule (subject to your mortgage terms).
- 35-year term available with a capital repayment mortgageChoose the term that suits you. A longer term could mean lower monthly payments.
Get started
First, you need to apply for a Decision in Principle. This confirms your eligibility and gives you an idea of how much you can borrow.
Frequently asked questions
You might also be interested in
Looking to invest in bricks and mortar? Cement your plans with a buy-to-let mortgage.
This calculator helps to provide an overview of what your repayments could be based on your interest rate, term and repayment type.
Compare the latest interest rates across our range of mortgages.
Find out more about different types of mortgages, including interest-only, capital repayment and tracker.
Your home may be repossessed if you do not keep up repayments on your mortgage.