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

★☆☆☆☆

“Timewasters and unprincipled”

Written on: 02/07/2016 by Olsonad277 (1 review written)

So we got a mortgage in principle from HSBC after being a customer for 20 years plus, undertook all the paperwork plus hours and hours of application phone calls. Their actual offers are nothing like the mortgage in principle offers even if the data provided matches or improves throughout the process. We required a 30% LTV mortgage after being customers since University, some 20 years plus. We have no debt, the required monthly mortgage payments were 1/5th of our take home salary. It took them… Read Full Review

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★☆☆☆☆

“Shockingly bad communication”

Written on: 18/05/2016 by Paris414 (1 review written)

After initially contacting HSBC to apply for a mortgage, I had to wait over a week before a call was set up, and then a further two weeks before having any communication from them at all. When they finally called to update me, they informed me that my mortgage had not been approved despite having been told from early on that they didn't expect any problems. They were unable to tell me why it had been rejected, and were also unable to give me any indication of how much I would be able to borrow… Read Full Review

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★☆☆☆☆

“very disappointed”

Written on: 25/04/2016 by blOwen405 (1 review written)

Our son is getting a mortgage through HSBC and the treatment by them of him has made us suggest he goes to the Financial Ombudsman. We are shocked by the misinformation given to him by staff member… Read Full Review

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★☆☆☆☆

“Should have heeded the reviews! Very poor and slow...”

Written on: 19/03/2016 by lockster (2 reviews written)

In hindsight I should have avoided the HSBC like the plague. I'd read the reviews and thought surely they cant be that bad, after all they are a high street bank. Unfortunately they are! BE WARNED!!!! Very very slow in processing information. Call center a joke as they cannot tell you anything merely advise you that they will email the underwriter and get them to call you back which never happens. They ask for information that has already been supplied on numerous occasions. Totally… Read Full Review

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★☆☆☆☆

“Mistakes at every stage of the process”

Written on: 05/03/2016 by stewart24 (1 review written)

Having had a HSBC mortgage for 5 years I think I am well placed to now write a review. Generally, I would warn that they are very easy to get an agreement in principle from but very difficult to get a mortgage. Specifically from our experience, we nearly lost the purchase of our house as HSBC forgot to send us a letter to explain that their valuation had come in slightly below the purchase price (the letter existed on their system but was just never posted), so when we came to draw down the… Read Full Review

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★☆☆☆☆

“Diabolical - Sort it out HSBC!”

Written on: 01/03/2016 by TinaSabrina (2 reviews written)

I have just had an awful experience with HSBC and its still going on. Looks like they either employ incompetent staff in their branches (namely Stourbridge) or they're looking to slowly kill off their local branches by removing all the decision making away from their branches. My mortgage application has had so many hiccups which could have been avoided (incorrect spelling of name, collecting wrong documents/not enough documentation even though everything was offered upfront in face to face… Read Full Review

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★☆☆☆☆

“Poor Customer Service”

Written on: 22/01/2016 by Kendal200 (1 review written)

I am currently in the process of moving home. I have an HSBC bank account and was recommended to try HSBC for a mortgage as well, as I was told I would get a better rate because I was already a customer. This evening I phoned the Mortgage Team. They did provide me with an Agreement in Principle, however the member of staff I spoke to was incredibly rude with me. I have a fairly decent deposit and am fully employed in a good job, however I was treated very poorly. I will definitely not be… Read Full Review

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★☆☆☆☆

“Slow: products good for remortgage but too slow for...”

Written on: 11/11/2015 by lucy-looo (1 review written)

I agree with everyone else, their customer service is shocking. No one has any idea of how the application is progressing and their computer system is unreliable and full of bugs. The time from commencing the application to release of funds is far too long. I was releasing equity from our house but had I been purchasing another property I am sure we would have lost it. The only redeeming point is their products are often market leading… Read Full Review

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★☆☆☆☆

“Should be stopped from trading unless they get act...”

Written on: 26/10/2015 by btAllen423 (1 review written)

We had a mortgage transfer and it took forever with HSBC but was less important as we were not moving. When we finally did move, our buyers were using HSBC and they delayed unnecessarily due to general slowness about 5 weeks after everything was done. We had lawyers on both sides who were ready to go but Countrywide who HSBC insist on using, ask pedantic questions to which they already have the answers to on an ad hoc basis. Real solicitors ask all the questions in one go and further questions… Read Full Review

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★☆☆☆☆

“Complete mortgage shambles”

Written on: 18/09/2015 by RoryMoser (1 review written)

HSBC are my current mortgage provider so I decided to stick with them for my new mortgage... big mistake! I started my application on the phone, which was when I was made aware of the infuriating arrangement regarding solicitors. I opted to continue to use my own solicitor who was obviously not one of their 43 approved solicitors. I was assured the role of the HSBC's solicitors at the end wouldn't extend the process more than a week or so... which was completely wrong and a lie. It has so far… Read Full Review

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Pilot1989's Comment

Written on: 12/10/2015

totally agree HSBC worst bank ever cant wait for then to quit UK and rot back in China - they have worst record for mortgage completions and could not give a monkey on stress for all people involved with moving home process - full red tape nonsense and bureaucracy - don't worry they are leaving UK soon !!!

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★☆☆☆☆

“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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