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

★☆☆☆☆

“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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★☆☆☆☆

“I hate Hsbc”

Written on: 11/09/2014 by WorriedX100 (1 review written)

I have been an HSBC premier customer for a number of years. We have also taken out two mortgages with HSBC in the last 14 years to renovate our property and paid both off early. We have no other mortgages. When my husband was taken seriously ill I decided to build an extension to the side of the house providing disabled facilities. Planning permission was granted and as our capital is in property and our income is relatively large it seemed wise to take out another loan on the house and pay… Read Full Review

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★☆☆☆☆

“Absolute nightmare - Avoid at all costs!”

Written on: 08/09/2014 by Kennedyar281 (1 review written)

Having banked with HSBC for over 25 years and having an existing mortgage with them, we presumed that the 'online application' process would be seamless - far from it - in fact it doesn't actually work & is riddled with errors/bugs! We were told the problem was down to us not using Internet Explorer, that the system doesn;t deal with 'pennies' and that its' " because you are joint applicants and are trying to port - YES! Like thousands of other married couples in this country!. After finally… Read Full Review

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★☆☆☆☆

“Mortgage approval takes forever -Stay Away from HSBC”

Written on: 07/09/2014 by AzariaNunez (1 review written)

I am a premier account customer with HSBC and thought sticking with them for my mortgage would give me better service and better rates than other banks. Definitely not. They tell you they put a rush to my request but it took them 10 days to get an appraisal ordered. They cited they couldn't reach the real estate agent but he never even got the call. The loan officer also started to start changing his words on me, stating it is no longer possible to close within 30 days. Do these people… Read Full Review

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★☆☆☆☆

“Welcome to online mortgages...a world of telephone calls!”

Written on: 01/09/2014 by Scarlett308 (1 review written)

I originally started the process of applying for a mortgage with HSBC 3 months ago. My experience so far has been a constant uphill struggle to get things moving along at a reasonable pace. Every stage of the internet banking process has required me to phone up to make sure someone is carrying out the next stage of the application. After 3 months I was made to open a current account to apply for the mortgage which meant that not only did I need to use my mortgage application details to talk… Read Full Review

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★☆☆☆☆

“Dont go with these clowns”

Written on: 20/08/2014 by Chris4431 (1 review written)

I am still waiting for my buyer to get a mortgage from HSBC since making an offer on my house in March... when all he is doing is porting his mortgage as a current HSBC mortgage holder.....as you will see from all reviews HSBC take ages and ages....I went with Lloyds and got my offer and survey complete within a couple of weeks.......its taken HSBC coming up 5 months and my buyer still hasn't had a survey done...... based on my experience and from what I see on here if you go with HSBC there… Read Full Review

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★☆☆☆☆

“Avoid at all costs”

Written on: 12/08/2014 by 213Jorgensen (1 review written)

Agree with everyone else - absolutely hopeless. Wanted to borrow £100k on a £700k house, wife and I have good salaries, they lent us £250k on the same house 5 years ago. Won't bore you with all the details but 7 months in and many, many phone calls / visits to branch / resupplying lost paperwork etc we are still waiting. Attitude stinks - they don't give a toss as deadlines come and go and chains fall apart. Do not be sucked in by a good headline rate, you will regret it… Read Full Review

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★☆☆☆☆

“Time Wasters - Disgusting Attitude”

Written on: 10/08/2014 by RileyFitzpatrick18 (1 review written)

Current HSBC mortgage holder, wanted to change product. Went through the whole process on line, paid booking fee, only to be told by the website at the end that the decision had to go to a mortgage advisor. Fine we thought, so went into branch. The branch have no access to the online mortgage system. What?? So they called the online team and I was passed to a surly representative who spoke to me like I was some kind of idiot. That never happens sir. Online is execution only, and you… Read Full Review

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★☆☆☆☆

“Avoid this company at all costs. Common sense is lacking.”

Written on: 03/08/2014 by KendraRegan (1 review written)

I spent an hour on the phone to HSBC as I wanted to move my mortgage with another bank to them. To everyone else out there - don't waste your time. Find another bank or building society… Read Full Review

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★☆☆☆☆

“Absolutely disgusted”

Written on: 20/07/2014 by Daphne146 (1 review written)

I dont know what good this review will do as HSBC appear to get away with it all the time. I have been a customer for 20 years and had a mortgage for 9 years. In a nutshell - I have no debt, a relatively well paid job and circa £150,000 in equity in my flat and I overpay on my mortgage. I went through the process for a home owner loan of £18000 to undergo some renovations on my flat (to make my investment better). A 4 week process later and HSBC said they couldnt help. I appreciate MMR but… Read Full Review

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★☆☆☆☆

“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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Carolinekerr's Comment

Written on: 25/07/2014

I am having exactly the same experience as you. I have now been on the phone the majority of my working week trying to get someone in an HSBC department to understand how to move on an application that is apparently in a "perpetual loop" that has already been approved and fee booked and paid. Meanwhile I am trying to purchase a property and finding it difficult to describe to the vendors exactly what is taking so long because no one would believe it if I told them the joke that is the HSBC online application system. Worse still none of the operators at the customer service centre know how to use it either. I have been a customer of HSBC bank for 25 years - I need to go and scream from the top of a mountain now afer 3 solid hours on the phone this afternoon - mainly on hold.

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And43's Comment

Written on: 07/10/2014

Fully agree. They are incompetent. Every minor query requires constant chasing and the call centre staff have no authority to action anything. They refer to "underwriters" as if they are some third party outside of HSBC and the call centre is simply an intermediary that can only relay messages (in one direction only) and provide no information with regard to timescales. Utter disgrace,

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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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