Applying for a Mortgage - HSBC Channel Islands and Isle of Man

How to apply for a mortgage

Follow these steps to keep your application on track.

1. Prepare your details

You'll need details of your income, employment and outgoings.

2. Get a Decision in Principle

This confirms your eligibility and gives you an idea of how much you can borrow.

3. Find a property

Once you've found a property you love, having a Decision in Principle will help you make an offer.

4. Apply for a mortgage

Make an appointment to speak to a mortgage advisor in one of our branches and we'll discuss what you're looking for in a mortgage.

Ready to get started? Visit us in branch

Book an appointment online

Reserve a slot to speak to one of our mortgage specialists in person.

Book appointment This link will open in a new window

Book an appointment by phone

It's quickest to make an appointment online, but you can also call us to book a branch visit.

03456 00 61 61

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

Whatever you're applying for, you'll need to bring identification, proof of address and a recent bank statement.

For some applications we'll need to see other documents or details. Take a look at our checklists for more information on what to bring.

How much could I borrow?

Use this calculator to get an indication of how much you could borrow based on your income.

Mortgage repayment calculator

This calculator helps to provide an overview of what your repayments could be based on your interest rate, term and repayment type.

Our mortgage rates

Compare the latest interest rates across our range of mortgages.

Additional information

Your property or home may be repossessed if you do not keep up repayments on your mortgage. All mortgages are subject to status and eligibility criteria.

What you'll need to bring to your appointment