HSBC Mortgage https://mortgages.hsbc.co.uk Reviews

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HSBC Mortgage https://mortgages.hsbc.co.uk

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Latest Reviews

★☆☆☆☆

“Words fail to describe the incompetence of the process”

Written on: 10/07/2014 by RoderickDunn (1 review written)

The whole process took 9 weeks, over 200 telephone calls and an average of 6 hours of my time PER week. Lost half a stone in weight (the only bonus) and regularly felt suicidal during process. In all my working life this has by far been the most unbelievable, incompetent, frustrating and farcical process I have had the misfortune to get involved in. The online application process is not 'fit for purpose'. Kept telling me these are teething problems. At every step there were either… Read Full Review

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★☆☆☆☆

“Worst mortgage provider”

Written on: 08/07/2014 by MarcelMatthews1981 (1 review written)

After being given a decision in principle and the a decision obtain, the underwriters cancelled the application because my partner had not worked at the employment for over 2 years. They wasted 6 weeks. Avoid like the plague… Read Full Review

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★☆☆☆☆

“Time waster and non-sense HSBC - shared-ownership stay...”

Written on: 30/06/2014 by Auto7Audio (3 reviews written)

Earning 53K basic (plus 15K bonus and misc). Had a approval first on 212K, asked for 175K. Then had to wait 2 weeks for meeting with mortgage manager I'm on part ownership and HSBC insisted I use their own solicitor so I cancelled my instruction with current solicitor; the new mortgage would reduce the current payment and everything sounded on track Mortgage manager took 4 days after getting all paperwork to submit application. 2 Days later she emails me that HSBC credit manager only approves… Read Full Review

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★☆☆☆☆

“an unbelievable level of incompetantce and...”

Written on: 30/06/2014 by catventham (1 review written)

I applied for a mortgage online with HSBC at the end of April. I have been a customer of HSBC for 12 years and have been appalled with their service. We had received and agreement in principle, sent our documents and were awaiting assessment by an underwriter by may 5th hoping to exchange by 1st July. I regularly chased the application which appeared to be making no progress what so ever, I called 3 times a day for 3 days to hurry the application along as we were only 3 weeks from exchange… Read Full Review

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★☆☆☆☆

“HSBC most dreadful customer service ever received”

Written on: 30/06/2014 by JonathonFry (1 review written)

I am tearing my hair out with HSBC who are demonstrating a level of sheer incompetance regarding a my application for a mortgage. After 7 weeks I am still no closer to moving from an 'in principle' approval to an application which is in progress. The icing on the cake yesterday was after waiting 2 weeks to see somebody at a branch they informed me they could not proceed with Buy to Let in branch and they too failed to make any progress internally. I risk loosing the purchase. I would NOT… Read Full Review

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★☆☆☆☆

“2 months after applying... still waiting”

Written on: 21/06/2014 by 333O'Rourke (1 review written)

I applied for an HSBC mortgage in April, we are now in June and keep being told it is 'with a Credit Officer' for review. Their customer service department is a joke, I have been calling them 3-4 times a week with no success. They can't refer you to the credit officer to speak to, all they can do is email them to ask them to call you - which they never do. Even though they offered the best deal, I would rather have paid more and gone with someone else than to go through this awful service… Read Full Review

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★☆☆☆☆

“HSBC mortgage nightmare”

Written on: 20/06/2014 by Julia35 (1 review written)

I could recommend HSBC mortgage to someone who wants a nervous breakdown. It took me 20 hours on the phone with useless HSBC customer service people, 5 visits to the bank to finally be told I can not even make a complaint to them on the phone as I do not have an account with them (I only wanted a mortgage from HSBC) and I could email my complain. When I e-mailed them they said the system did not recognize my e-mail so I could ring them if I wish to complain...The online mortgage offer was… Read Full Review

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★☆☆☆☆

“Keep away”

Written on: 09/06/2014 by Aurora434 (1 review written)

We were doped into applying to HSBC mortgages by what seemed at the time like a good deal. Now, that we are very likely to lose the purchase, thanks to HSBC we realize what a big mistake we committed. Poor customer service: we would call so many times over the same issue and each time we would be told something different, nobody knew what was happening, what a time waster. They have a separate panel for conveyance, this does not only cost more per se, but there are the additional expenses of… Read Full Review

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Colmck's Comment

Written on: 11/06/2014

I have experienced the exact same appalling service and Im a Premier Accont holder!

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★☆☆☆☆

“HSBC have lost yet another loyal customer”

Written on: 29/05/2014 by Hsbc-hater (1 review written)

I went into my local branch a few weeks ago and was offered an AIP of £120,000 based on a high deposit and excellent credit rating. Based on this information I sold my property and made an offer of £94,000 on another property, thinking it was best to play it safe given the new mortgage regulations that came into play in April. At the time I did try to check that my AIP would still be valid but no one was able to help me at my local branch so had to call the call centre from the branch… Read Full Review

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Markstainforth's Response to Hsbc-hater's Review

Written on: 01/06/2014

Having a similar experience - DIP of £260k - applied just to transfer my current mortgage of £208k with a high deposit ratio and no other debt - but only offered me £93k after their underwriters made their decision - was advised to apply again but through their advised route - the advisor has recommended the full mortgage be approved and now waiting again for the underwriters - farcical process and causing my buyer and me a lot of stress - now have deadlines for completion which seem unlikely - Like the original post - if you can avoid HSBC then do so.

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Markstainforth's reply to Markstainforth's Comment

Written on: 05/06/2014

An update..... Had been tracking progress of my application on-line. I became concerned because the application history disappeared... Finally got through to speak to someone at HSBC to be told it was all OK, then later that week that the 'rate applied for was no longer available' and I would have to re-apply and then, after numerous phone calls, my local branch got to the bottom of it.... HSBC underwriters had 'accidentally' deleted my application - the mortgage advisor had to re-enter the details and re-submit to the underwriters and despite their abject incompetence they had no way of prioritising my application - I now wait again - not hopeful of progress and more stressed than I have ever experienced. DREADFUL DREADFUL SERVICE BY HSBC - the financial ombudsman needs to intervene with this company. If you have a choice then don't even start an application with them.

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Snotbubble's Response to Hsbc-hater's Review

Written on: 05/06/2014

HSBC don't seem to be aware that moving/buying/selling is probably the most stressful thing that happens to people. my sister sold her home, but because her buyers used HSBC, everything has come to a halt with apparently no explanation. They don't keep people informed, ans seem to care even less. I would never use them, and have told all my friends not to use them also. Poor service.

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★☆☆☆☆

“Appalling Service, Extremely Slow & Uninformative”

Written on: 28/05/2014

HSBC MORTGAGE. FIRST TIME BUYER. 10% DEPOSIT. I have never received such bad customer service and if it were not for the fact that my move in date is looming and I am 4 - 6 Weeks into this application I would stop it and start again with another provider charging more. The call centre is utterly pointless, it's an 0845 number that requires you to wait on hold for an hour - I kid you not, I have waited for 53 and 85 minutes for my last two fruitless conversations - to get no clarity, update or… Read Full Review

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★★☆☆☆

“Quick but disappointing”

Written on: 23/05/2014

My partner and I are first time buyers, and have squeaky clean credit ratings. I myself have a credit card which is settled every month, my partner however has no credit/debt to speak of. We both earn a combined salary of just over 50K so this is nothing to do with affordablity. To be honest, the customer service was excellent, the branch mortgage adviser was so understanding and made the application process less painful - that said, apparently they won't lend to us. We were told we had an AIP… Read Full Review

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★☆☆☆☆

“DO NOT USE THEM”

Written on: 16/05/2014 by McLainke442 (1 review written)

Truly truly dreadful. My partner and i have both banked with hsbc since childhood. We have all our accounts with them and our mortgage. After having an offer accepted on a house and ours we decided to apply for another mortgage with them. I was nervous after reading such awful reviews, but as we have a 35% deposit, both in secure jobs, with a joint income of £47000, and only wanted to add £30000 to our mortgage i really though it couldnt go too wrong. How wrong could i be! So here we are 4… Read Full Review

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Iain1975's Comment

Written on: 08/07/2014

I feel for you. Exactly the same happened to us ... Declined because unaffordable even the i've just redeemed a mortgage if 3 times the amount i was asking hsbc for. I've closed my lifetime hsbc current account as well

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★☆☆☆☆

“Unbelieveable mortgage disaster”

Written on: 02/05/2014 by Ricky233 (1 review written)

My partner already had a mortgage with HSBC so when we made an offer on another house and sold ours, we already knew we would stay with them so as not to incur an early repayment charge. HSBC have been nothing but a disaster from the outset. The first problem we had was that once we had our mortgage in principle they asked for a multitude of documents but were not able to ask all in one go, we had to go in to the branch with something different and then when we called to check progress they… Read Full Review

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★☆☆☆☆

“Out Chopping down Rainforests???!!!”

Written on: 25/04/2014

No wonder HSBC can offer such cheap mortgage deals - they don't flipping employ anyone at their call centres!!!! Several attempts to call - 45 minutes and still waiting (to speak to just anyone). When Bill Oddie ambushed the HSBC tower, campaigning against their involvement/investment in clearing Rainforests, he failed to mention that all the mortgage call centre staff were the ones doing the felling! They certainly aren't by their phones.... Will probably go with my heart - seek out a more… Read Full Review

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★☆☆☆☆

“Most stressful experience in my life”

Written on: 16/04/2014 by NCPI (1 review written)

Be warned, don't even start your application with them. A complete joke as an international bank, started my application back in Dec 2013 for a simple remortgage, now end of April and still not completed. I cannot even list the number of errors that happened. If not i have paid for the booking fee and legal fee, I would not continue with them. So angry that I even open an account here just to make this review. They tried to do things online and the system never work, almost calling them on a… Read Full Review

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★☆☆☆☆

“shocking service ”

Written on: 16/04/2014 by metdec (1 review written)

Really disappointed and dejected with the service from HSBC, I applied for a mortgage via telephone at the end of February 2014, its now the middle of April and not getting anywhere fast. I have been into a local branch with requested id's twice now as they have lost personal documents in the scanning department!!! The average time for answering calls in my own experience has been between 30 and 40 minutes. Its a real shambles so far and very stressing. I have not listed all the issues, but… Read Full Review

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Ncpi's Response to metdec's Review

Written on: 16/04/2014

I can fully understand, I have been in the exact same situation. Applied in Dec 2013 and now end of April and still not completed. Is just a simple remortgage I am applying. Many errors that were just too long to list (include lossing my document in the scanning department too and their system broken down many many times...etc)

Do not use HSBC mortgage, I have been banking with them for over 15 years, great bank but mortgage system is a real shamble!!! Be warned!

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Metdec's reply to Ncpi's Comment

Written on: 19/04/2014

If I hadn't invested so much time and effort I certainly would have ditched the application. I have made a mistake for sure.

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★★★★★

“Really Impressed”

Written on: 12/04/2014 by pete1024 (1 review written)

Our advisor Mark at Sheffield Meadowhall was fantastic. We applied 6pm on Friday and had approval by Sunday. Then after our follow up appointment, we were contacted by both the surveyor and the lawyers within 2 hours. Their legal service is £300 cheaper than any quotes we have had and their homebuyers survey is good value. The process has been professional and pro-actively managed, complete contrast to our last purchase… Read Full Review

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★☆☆☆☆

“Slow Valuation, Slow Mortgage Offer, Nearly Lost My...”

Written on: 09/04/2014 by danieltrobertson (1 review written)

I am writing this review on my supposed day of completion, which has yet to take place (4.30pm) due to HSBC. Survey took 3.5 weeks to arrange! Mortgage offer took another 2 weeks to arrive! Despite pre-ordering the money with HSBC over 2 weeks ago, the money has not arrived with my solicitors on completion day! HSBC Service is terrible, slow and unreliable. DO NOT BUY A MORTGAGE FROM THEM!… Read Full Review

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★☆☆☆☆

“HSBC Mortgage appalling Application Process”

Written on: 01/04/2014 by Ingram80 (1 review written)

Applied for Homebuyers mortgage over the phone, helpfully informed by person on phone that they were implementing a new system which would streamline things for the customer, make thing easier and quicker. In the next breath he said a letter would be sent to me with details of how to log on to the bank website so that I could track the progress of the mortgage oh but i should ignore the letter as the system wasn't working yet but they couldn't stop the letters. At that point I should have… Read Full Review

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★☆☆☆☆

“Buy to Let mortgage”

Written on: 28/03/2014 by scmgre (1 review written)

I have 50% LTV and it is taking 4 weeks to get a decision what a waste of time if you want things to move quickly don't go with the HSBC. I had a decision in principle solicitor organised everything I am just waiting for the Mortgage to come through. The phone service is poor and takes 30 minutes to get through after which they can't give you any more detail than the website except that it's another 2 weeks wait. Bloody useless… Read Full Review

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