HSBC UK International Mortgage: Rates, requirements and more in 2026
HSBC UK offers international mortgage services for non-UK residents buying residential or buy-to-let properties in the UK, and also has international services for home loans in the UK, as well as other locations like the US and Australia which are accessed through its HSBC Expat division.
In this guide we’ll explore the options if you’re thinking of buying a property using an HSBC international mortgage, and also touch on how Wise can help when sending high value payments abroad, with mid-market rates and automatic fee discounts on larger payments.
Understanding international mortgages
HSBC describes an international mortgage as a mortgage used to buy a property outside of the country where you live. You may look for an international mortgage if you live in a different country but plan to buy a property in the UK or elsewhere:
As a buy-to-let or long term investment
To use as a holiday home
To live in yourself if you plan to relocate
As a base for a family member who is relocating for study
Getting an international mortgage doesn’t usually work in quite the same way as getting a domestic mortgage. Not all banks are able to serve clients looking to buy a property in a different country, which can limit your options. Plus, the deposit payment required and the interest rates charged can be higher than offered to a domestic customer.
Does HSBC UK offer international mortgages?
Yes. HSBC UK offers international mortgages for people based abroad, buying a property in the UK, plus there are HSBC Expat international mortgages offered by the HSBC offshore division, for properties in the UK, and other major countries like the US and Australia.
HSBC UK international mortgages are only offered to people based in select countries, and also have income requirements which you’ll need to meet. 🌍
To check if you’re eligible for a mortgage through HSBC Expat you’ll need to complete an application detailing the type and value of property you've selected as well as your personal and income information, and await a call back to discuss your preferences and requirements.
💡 Key features
Eligibility: HSBC restricts access to international mortgages based on income, residence and other factors
Countries served: HSBC UK offers mortgages for non-UK residents buying residential and buy-to-let properties in the UK. HSBC Expat offers options for properties in countries including the UK, US and Australia.
Mortgage types: Residential and buy to let, fixed term and tracker
Costs: HSBC international mortgages might have costs including booking fees, as well as fixed and variable interest
Loan to Value (LTV): 65% - 75% LTV based on meeting other eligibility requirements
Eligibility requirements for HSBC UK international mortgage
To get an HSBC UK international mortgage you’ll need to meet various eligibility requirements and be prepared to provide a suite of supporting documents and information to support your application.
🌍 For HSBC UK mortgages to buy a UK property, you must live in one of the following countries:
Australia
Egypt
Guernsey
Hong Kong
Isle of Man
Jersey
Malaysia
Philippines
Qatar
Singapore
Switzerland
Taiwan
United Arab Emirates
United States of America
You’ll also be asked to prove that you have a basic annual income of at least £75,000 for a residential mortgage, or £50,000 for a buy-to-let property (£75,000 if you're self-employed).
➡️ For residential mortgages you need a deposit of at least 25% of the value of the property you’re buying, while for buy-to-let you can have a 25% deposit for loans under £1 million in value, but you need 40% for higher cost homes requiring a mortgage of more than £1 million.
HSBC also offers some loans though its Expat banking arm which is not based in the UK but offers offshore services for people buying homes in countries including the UK, US and Australia.
⚠️ For this service you’ll need to make an application and then talk through your situation with the bank to agree if the product suits your needs.
Property types covered
HSBC does not detail the specific property types that they can offer mortgages for.
Instead, applications can be considered for residential or buy-to-let properties of different types and will be considered on their merit, looking at both the property itself and your ability to fund a mortgage.
🌍 Countries for HSBC UK international mortgage
HSBC is a huge global banking brand and offers a variety of services which may suit people buying a property in a country outside of the country they live in.
You could choose to use HSBC UK or you may be directed to the HSBC Expat offshore banking service which also offers residents of many countries international mortgages. Here's a quick summary:
📌 HSBC UK international mortgage countries 🌐 | |
|---|---|
🇬🇧 United Kingdom | Apply for an HSBC UK international mortgage from eligible countries, or if you have lived in the UK for under 12 months |
🇬🇧 UK, 🇺🇸 USA, 🇦🇺 Australia | Apply for an HSBC Expat international mortgage through a partner provider, with pre-application support |
Other countries | Apply for an HSBC Expat international mortgage - options depend on country involved and your own residence |
How to apply for an international mortgage with HSBC UK
Here’s a summary of how to apply for an international mortgage with HSBC UK.
If you think a mortgage from HSBC Expat is more appropriate for your needs, you can apply by completing a contact form on the HSBC Expat website and then awaiting a call back to talk through your needs.
➡️ Step 1: Check eligibility
Confirm you’re able to apply for an international mortgage with HSBC UK based on your residency, income and the bank’s deposit requirements.
➡️ Step 2: Gather your supporting documents
HSBC application documents depend on your nationality and employment status, and can include:
Proof of identity and address (your passport and a utility bill for example)
Recent bank statements showing your income and outgoings
Proof of your right to live in the UK if relevant
Evidence of your ability to pay the required deposit
Proof of employment or self employment, such as recent wage slips
➡️ Step 3: Call the bank to talk through next steps
To agree how to proceed your application you’ll need to speak to someone at the bank in person, Here are the HSBC mortgage advisor numbers to call:
From the UK - 0800 169 6333
From outside the UK - +44 1226 261 010
⭐ Advantages of HSBC UK international mortgage
Available for non-residents buying a property in the UK: many UK banks do not allow non-resident applications, making this a flexible option for many expats and foreign applicants
Options to buy in other countries through HSBC Expat: as HSBC also offers offshore services you may be eligible for a mortgage through an HSBC Expat partner, for a property in a different country from the UK
Variable LTV amounts available: apply with just a 25% deposit in most cases, with higher deposits needed for larger mortgage amounts
Fixed and variable rate mortgage options: choose a tracker or fixed rate with or without booking fees to pay upfront, so you can match the repayments to your preferences
Fees and costs involved 💰
The overall costs of getting an international mortgage can be quite high, so having a realistic idea of the prices is crucial before you apply.
📌 Different fees can apply in different situations, which might include: 📂 | |
|---|---|
Booking fees: | You can choose to pay your HSBC mortgage booking fee as a one off payment, or include it in your mortgage amount. Assume costs of £1,000 to £2,000 here |
Interest: | HSBC has variable interest rates depending on the mortgage value, term and other factors |
Overpayment fees | Many HSBC mortgages limit the amount you can overpay on your mortgage, and may charge overpayment fees if you exceed that repayment amount |
Early repayment charges | Paying off your mortgage before the term has ended may mean additional charges |
Legal and miscellaneous fees | When arranging your HSBC international mortgage there will be additional costs which can include legal and valuation fees, translation and notarisation costs and more - ask the bank for advice on other expected costs before you sign up |
Currency conversion costs | Finally, when paying your mortgage and deposit from abroad, currency conversion costs can mount up, adding 3% - 5% to each repayment if you send a bank transfer. Wise can help - read on to learn how below. |
💰 Sending large amounts of money overseas? Check out Wise. 🌎
International mortgages and buying a property abroad often require high value international money transfers which can mean paying for currency conversion to make your deposit, and to cover fees and repayments in the bank’s required currency.
International mortgages and buying a property abroad often require high value international money transfers which can mean paying for currency conversion to make your deposit, and to cover fees and repayments in the bank’s required currency.
⚠️ If you send money from your home bank to pay your mortgage you may find you pay fees of 3% - 5% added into the exchange rate used for currency conversion, on top of any transfer fee your bank quotes you.
🔢 This all adds up very quickly and can mean your property costs more than you expect.
💡 Instead of sending money from your home bank, consider Wise as an alternative for low cost high value international money transfers for property purchase abroad.
Send payments in 40+ currencies to 140+ countries, often quickly or even instantly
Wise currency conversion uses the mid-market rate, with low transparent fees from 0.33%
You’ll benefit from progressive automatic fee discounts when sending high value payments
Large transfers have a dedicated customer support team to make sure your payment is hassle free
Wise is a digital first provider with high level security including 24 hour automatic and manual anti-fraud protections
If there’s ever any issue you can get 24/7 customer support in English to put your mind at rest
Wise is a regulated provider which offers services in many countries and territories globally - services and fees can vary depending on your residence, so do check the Wise website for your local area to get all the most important details.
Conclusion: Can you get an international mortgage with HSBC UK?
Yes. HSBC UK offers international mortgages for non-UK residents buying residential and buy-to-let properties in the UK. There’s also HSBC Expat which is based offshore and which offers options for properties in countries including the UK, US and Australia.
HSBC restricts access to international mortgages based on income, residence and other factors. You'll usually need to earn from £50,000 - £75,000 and live in a supported country to be able to apply.
Check all the eligibility criteria carefully before you choose your preferred mortgage provider - and don’t forget that using a provider like Wise can help cut the costs of currency conversion when paying your home deposit or mortgage from a foreign currency.
Note: The contents of this article is for informational purposes only and does not constitute legal or tax advice. Decisions related to tax should be made after thorough research, consultation and verification from a qualified financial and legal advisor.
Useful resources
Information last checked 21st January 2026.
HSBC UK international mortgages - landing page for mortgage services for people based abroad, buying a property in the UK
HSBC UK mortgages for non-UK residents - details of UK mortgages for non-UK residents
HSBC Expat international mortgages - dedicated service for customers of HSBC Expat looking for loans for properties in UK, US or Australia