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Manage your HSBC home loan

We'll help you make the changes you need to your home loan

Get the support you need for your home loan

Our dedicated home loan team are here to help you manage your HSBC home loan. Take a look at the different options from borrowing more to extending your term, and we'll explain exactly what you need to do.

Once you've decided you'd like to make change, or you need to notify us about your home loan, get in touch with our expert mortgage team.

Want to speak to a home loan specialist?

Give us a call toll-free on 800 HOUSE, or leave your details and we'll give you a call back.

You can also email mortgage.team@hsbc.com with your query.

Modify your property

If you'd like to carry out structural renovations or major repairs to your property, you'll need a no-objections certificate. We'll aim to prepare your certificate within 7 working days, depending on your circumstances.

Extend your term

To extend your home loan term, you'll need to meet a number of criteria which can be discussed in detail with our team.

We'll consider your age, the current terms, your ability to make repayments and the current valuation of your property or the Loan to Value. We may need to ask you for additional documents.

Purchase an additional home

If you're looking for a second property, speak to a mortgage specialist about applying for an additional HSBC home loan. You'll be able to manage your repayments easily in one place with our online banking.  

Make overpayments

You have the freedom to overpay up to 25% of your outstanding home loan balance per calendar year without a fee. Anything over 25% may incur an early settlement charge.

If you'd like to make an overpayment you'll need to notify us.

Before you make an overpayment, please consider the following:

  • the overpayment can be made at any time, but must be on your usual monthly repayment date
  • your loan tenure will remain the same if you make an overpayment, but your monthly repayment amount will reduce
  • you won't be able to redraw any overpayments made, as we can't reverse or cancel any overpayment instructions
  • you can make an overpayment using online banking, or by signing a debit authority for us to arrange the payment
  • Amanah mortgage customers will need to sign a letter as well as notifying us

Sell your home

You'll need to repay the full outstanding balance of your home loan (principal plus interest) owing up to the time of sale. We'll then release our security over the property. Let us know if you'd like to purchase a new property with an HSBC home loan.

Close your home loan

If you're planning to close your home loan account with us and pay off the remaining outstanding balance, you'll need to let us know the scenario that best applies to you. This is so that we can issue you the relevant liability letter(s).

Get in touch

Once you've decided you'd like to make change, or you need to notify us about your home loan, give us a call toll-free on: 800 HOUSE

Or, leave your details and we'll give you a call back.

You can also email mortgage.team@hsbc.com with your query.

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