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

★☆☆☆☆

“Very, very poor customer service”

Written on: 31/08/2015 by DakotaSpears (1 review written)

I have now used HSBC twice for mortgages (I should have learnt first time!)and on both occasions although the products are very competitive, the customer service is appalling. They are faceless, unresponsive and shambolic. The fundamental problem is that no-one takes end-to-end accountability for your application. The application gets shifted from department to department over weeks and weeks and weeks. You have to chase them at every single step to have any hope of completing the… Read Full Review

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★☆☆☆☆

“Very slow, inconsistent advice given, offer withdrawn”

Written on: 21/08/2015 by Stafford283 (1 review written)

Me and my partner were applying for a mortgage for our first house. We chose HSBC because they had a £1500 cash-back offer, which made good financial sense for us. They were also my current account provider, and kept asking if I wanted a mortgage which sparked the house buying idea. We used the online application route, which seemed very quick and easy. Good start. After weeks of receiving different information every time we phoned to check where the application was at, getting no updates… Read Full Review

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★★★★★

“Excellent speedy service”

Written on: 03/08/2015 by Hector59 (1 review written)

Got a good mortgage rate and application was processed very quickly. Not sure if it has anything to do with us being premier banking customers but that was our experience… Read Full Review

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★★★★★

“Excellent speedy service”

Written on: 03/08/2015 by Hector59 (1 review written)

Got a good mortgage rate and application was processed very quickly. Not sure if it has anything to do with us being premier banking customers but that was our experience… Read Full Review

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★★☆☆☆

“too lenthy processing times”

Written on: 18/07/2015 by 427Holmes (1 review written)

HSBC just takes too much time for mortgage approvals. Estate agents expect you to get evaluation booked in 2 weeks and now i am not the third week and still nothing. other lenders seem to be able to react a lot quicker than HSBC. Save yourself time and choose another lender. I am not saying they are terribly bad but you may end up waiting for a while ... surely if you and seller can afford waiting… Read Full Review

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★☆☆☆☆

“Horrific customer service”

Written on: 08/06/2015 by Collinc207 (1 review written)

4 1/2 weeks after supplying all the documentation required, I am still unable to obtain a response as to why they haven't released my remortgage funds. I used them two years ago and was really happy with them. Last time was for a house purchase and it went through quicker than this remortgage. This time they have been horrific - very unhelpful and unwilling to reply to messages. I would recommend avoiding at all costs!… Read Full Review

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★★★★★

“Quick and Efficient”

Written on: 02/06/2015 by Diaz427 (1 review written)

I disagree with many on this forum. On 13 May applied for a DIP. Arranged for a phone advisor on 21 st though was offered an earlier date. Advisor called me as arranged and went through in-depth details and easily passed check. Arranged for documents to be dropped in branch on 22nd. 28th full credit check through there was a bank holiday inbetween. Valuation On 01 June am and mortgage offer 01 June pm. Everytime I called to clarify, good customer service and friendly people… Read Full Review

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★☆☆☆☆

“HSBC...does anyone actually work there???”

Written on: 20/05/2015 by 439MacKenzie (1 review written)

In trying to purchase a house with HSBC (after already having used HSBC on a previous home) with PRE-APPROVAL for loan amount which was 15% assessed value of home was a NIGHTMARE! We could never get in touch with our contacts. Always right to voicemail and no returned calls. When we managed to communicate via VOICEMAIL and EMAIL predominately, we would be promised to have information to us next day-only to be followed by silence. We constantly reminded them of deadlines -which truly they… Read Full Review

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★☆☆☆☆

“Start the application when your young!”

Written on: 15/05/2015 by AbagailMcManus119 (1 review written)

16 weeks after the first 'meeting' with an HSBC mortgage advisor we have finally had the 'computer says no' response from the underwriters this is despite my spending 4 hours with the senior mortgage advisor over two further meetings supplying them with every document that was ever issued with my name on it. The senior mortgage advisor told me the SA302 forms I had submitted were wrong so I reapplied to HMRC to be told the mortgage advisor did not know what she was talking about! TOTAL waste… Read Full Review

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★☆☆☆☆

“Never, ever again”

Written on: 29/04/2015 by 323Sutherland (1 review written)

3 months after an 'approval in principle' on the phone, I still have not completed on my mortgage. The mortgage is simple, a buy to let, all justified on the rental income. I have spend 14 hours on the phone chasing this through, with delays at every stage. Their IT system is so fragile, I was asked to not log in any more to it. The formal application, was rejected despite being based on exactly the same info as the approval in principle, with the advisor saying...'I've no idea why that's… Read Full Review

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★★★☆☆

“tedious and condescending process never again..”

Written on: 22/02/2015 by sgDodd153 (1 review written)

HSBC obsessed with money laundering and identity fraud. In fact their stance and intrusion into personal circumstances are way above government requirements for lending and they are abusing this role. My mortgage offer has expired but now requires a new application rather than an extension. Designed clearly to cause maximum inconvenience for customer but ensures work for them. My friend also unfortunate to be mortgaging with HSBC was "harassed" and the information provided was inconsistent… Read Full Review

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★☆☆☆☆

“Never again HSBC!”

Written on: 16/12/2014

HSBC have taken over 6 months and I am still no further with my on-line application. None of the advisors are able to assist when you call the helpline number, the application is constantly stuck in their IT systems with a request from me to do something further (which there is never anything for me to do...) I have paid for a valuation for the sum of £300 and also for the product which is a deposit of £250. I have been informed twice that the product I wanted is no longer available! This… Read Full Review

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★☆☆☆☆

“They lost our mortgage application!”

Written on: 10/12/2014 by LoreleiBatchelor1973 (1 review written)

It's been 5 weeks since we set up our mortgage on line with HSBC. They under valued the property we wanted to buy in order to give us a higher interest rate. We were offered another mortgage and agreed to go with it. We signed the documents and posted them to the bank straight away and when we tried to accept it on line their computer system wouldn't allow us to. The bank apologised and admitted there was something wrong with their on line site that needed sorting out. Our solicitor said she… Read Full Review

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★★★★☆

“FAST A ND SIMPLE”

Written on: 21/11/2014 by KadeHancock168 (1 review written)

We had a previous mortgage with HSBC so thought we would use them again and decided to use the online application rather than going into branch. The application was very simple. Admittedly there were a few hiccups but it is in its early stages and they were sorted out fairly quickly. With our application complete and documents sent it took about 5 days for a decision, the valuation was carried out a week after and offer produced the day after the valuation. All went smoothly. Unfortunately, the… Read Full Review

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★☆☆☆☆

“If you want a nervouse break down, get an HSBC mortgage”

Written on: 10/11/2014 by puddlepig (1 review written)

Six months after starting this horrid process we are still waiting to complete. We were told last Friday that both HSBC and their representing solicitors (just as incompetent) were ready to complete today, Monday. This morning I get a phone call from their solicitors saying, oops, that was a mistake, and they're still reviewing our case. I then called the HSBC mortgage advisor this evening on my way home from work and ended up breaking down in tears on the bus after another completely fruitless… Read Full Review

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★☆☆☆☆

“Truly shocking”

Written on: 02/11/2014

Hsbc mortgages I have banked with HSBC for over 12 years. I have previously held 2 mortgages with them. I earn what i consider to be a decent salary. I have an excellent credit rating with modest outgoings. I have never missed a payment on any loan, credit card, store card, utility bill etc. It took Hsbc 2 months from start to finish to tell me that they could only lend me 75 percent of the remortgage amount I requested. The process was an absolute and total shambles from start to… Read Full Review

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★☆☆☆☆

“Hsbc avoid at all costs”

Written on: 02/11/2014 by 152Berry (1 review written)

I had got my Agreement in Principle from HSBC and then applied for a mortgage at that was £20k less than the AIP. Having gone through an awful internet application, the underwriter told me a few days later that I didn't new their spending criteria despite explaining that I had an excellent credit score. I was then given the runaround by different areas of HSBC who gave me a variety of incorrect information. They also failed to return my original documentation. Funnily enough, when I went… Read Full Review

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★☆☆☆☆

“Hideously Shocking Banking Company”

Written on: 27/10/2014 by SundayCushions (1 review written)

Reading the reviews i realise that my delays with HSBC are probably still at the shorter end. Am waiting for the buyer of my property to have her mortgage approved. As with many others it appears that the problems start when it gets to the underwriting stage. Four weeks now and there has been no progress - of course, as it isn't me applying for the mortgage, all i can do is bother the estate agent and my solicitor. I expect that they are sick of me! I had no idea it could take this long -… Read Full Review

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★☆☆☆☆

“Mortgage offer made, paid fee, mortgage offer withdrawn!”

Written on: 11/10/2014 by MileyEgan3 (1 review written)

I applied for a mortgage using their online system thanks to being pointed in their direction by a comparison website. All information was entered honestly and correctly. In principle decision was done straight away. I made an offer on the property, instructed solicitors, paid for surveyors report. The survey was fine and HSBC made the mortgage offer formally. I accepted, paid their £999 fee. Great, all going well so far. The very next morning I got a call to say my application doesn't meet… Read Full Review

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★★☆☆☆

“Bog standard service regardless of loyalty”

Written on: 22/09/2014 by McGraw286 (1 review written)

Really don't know why my husband insists on staying with a bank that gives such bog standard service and poor rates of interest on savings. Trying to apply for a mortgage online and it is taking forever. Keep being given the impression by the online process that things are progressing ie mortgage approved subject to survey and and that instructions have been given for the survey to be carried out. Sitting back waiting for this to happen and then get a phone call querying income, retirement age… Read Full Review

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Chrisdp86's Comment

Written on: 30/10/2014

How about a bank that stands up for principles and set standards in the industry. Tax returns evidence someone's honesty with the inland revenue so only right tax dodgers shouldn't be able borrow!!

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