HSBC Secured Loans

Are you looking to save time and money with a competitive business loan, residential mortgage, or secured homeowner loan from HSBC? If so, then let UK Property Finance remove the guesswork with our free and impartial, FCA-approved, and regulated independent borrowing service for UK homeowners in need of additional funds.

As a whole-of-market borrowing facility, we offer intelligently sourced secured products for any UK resident able to provide ample security to cover the repayments in case they find themselves unable to make the agreed payments on time.

How much can I borrow?

If you need to work out how much you are entitled to borrow, then you can use our HSBC secured loans calculator as a handy reference tool. Simply enter the amount you wish to borrow, the length of time you need to repay the loan, and the value of the property that you wish to secure the loan against, and our mortgage repayment calculator will do the rest.

What types of mortgages are available?

HSBC currently offers three main types of mortgages, and these are available to first-time buyers, people who are moving, existing homeowners, and property investors in the buy-to-let sector.

The main loan types are:


With a fixed-rate mortgage from HSBC, the borrower can relax in the knowledge that the monthly repayment amount will remain totally unchanged for an agreed-upon length of time. Therefore, if the Bank of England base rate were to increase at some point during the first few years of the product’s lifetime, you would not be expected to make any additional payments if you applied for this type of mortgage. Once the fixed rate period has expired, you may find that your expected monthly repayments are slightly higher.


When you apply for a tracker mortgage, your monthly payments will not be set at a fixed rate. With a tracker mortgage, the interest rate is set in accordance with a predefined percentage, which is added to the Bank of England base rate. If the Bank of England’s interest rate falls or increases at some point in the near future, then your monthly interest repayments will do the same.


Discounted-rate mortgages are variable-rate products that are slightly cheaper than standard tracker mortgages. If a lender has an SVR (standard variable rate) that is currently set at 4.5% and you are offered a 1% discount rate for a fixed length of time, then you will only be charged 3.5% until you reach the end of the introductory offer period. Should the SVR increase or fall during the product lifetime, the rate of interest you are charged will be the standard variable rate with a 1% deduction.

Other Loan Comparison Services

HSBC Bridging Loan | HSBC Mortgage | HSBC Remortgage

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