Mortgage Providers

HSBC mortgages

HSBC is an international bank with offices in 77 countries it has nearly 200,000 shareholders worldwide. It is one of few banks that offers Islamic Mortgages, and won the What? Mortgage award 2005.

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What does HSBC offer?

With HSBC you can choose whether you want a repayment mortgage or an interest only mortgage.

A Repayment mortgage means that your monthly repayments will cover the interest and some of the initial loan. If all the payments are made the interest and mortgage will be fully repaid. With an Interest Only mortgage however, monthly repayments only cover the interest incurred on the loan. The initial money borrowed is still outstanding during the term of the loan. You are then responsible for making arrangements to repay the capital.

HSBC also offer a combination of the two options above – a home start mortgage – where repayments are lower at the start of the mortgage meaning that you have more flexibility in your life.

HSBC offers variable rate and fixed rate mortgage options.

With their variable rate mortgage there are no charges for making any overpayments and no early repayment charges. HSBC guarantee that their variable rate will never be more than 1% above the Bank of England Base Rate, for the entire duration of your mortgage term.

Their fixed rate mortgage repayments will be the same each month during the fixed rate period, and won’t be affected by changes to the Bank of England base rate. HSBC also have a range of specialist mortgages, including graduate mortgages, buy-to-let mortgages and Amanah finance products. Visit their homepage for more information.

THINK CAREFULLY BEFORE SECURING ANY DEBTS AGAINST YOUR HOME.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.