HSBC Mortgage https://mortgages.hsbc.co.uk – Questions & Answers

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Asked by Sophiegs on 14th August 2016 Report this content
Can someone please advise. Me and my partner, who have been renting for 7 years, are about to embark on the dreaded home buying process (first home). We have been refused a joint mortgage DIP due to my partners credit history but offered a sole DIP for myself to just over the amount we need and we have 10% deposit gifted from my father (although we could add a little extra to this) - will they base their decision for a full mortgage application on just me and my earnings or will they take into account my partners wage and contributions to the monthly bills? Like I said I have a DIP from HSBC and with the monthly mortgage payments, utilities and other dd I would be able to afford this on my own but with around £200 leftover. I am concerned after reading HSBC have a high 'fall out' rate. Thanks in advance for any help, much appreciated.

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Asked by issy0_9 on 8th August 2014 Report this content
In order for our solicitor to get a move date, she needs the mortgage paperwork from HSBC. How long do you think this will take?

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Answers (1)
Report this content ConstantComplainer Written on: 11/08/2014
Ours took two weeks, albeit with our solicitor badgering them (we had a complaint in against our solicitor so they had to chase them as our solicitor took so long). Very helpful and quick after I had been told they were slow.
Asked by becca_e_m on 19th June 2014 Report this content
My partner and I currently have a mortgage with HSBC which started this year. We want to go travelling for 12 months from September and wanted to know about the terms and conditions. We know we don't want to leave the property empty for 12 months, so we asked a family member who is currently renting if they would stay in our property while we are away. -Firstly is that allowed? As they would be paying the electricity and water etc. but we would pay the mortgage. -Secondly if they did pay us rent what is the likely hood of getting a Consent to Let from HSBC? I tried calling to ask them about Consent to Let and they said on 'their system' the only requirements to get a 12 month consent to let is to have a mortgage with them for 6 months and not have any arrears. But they also said they couldn't guarantee that we would get consent on that basis. Does anyone know what the 'unmentioned' terms and conditions for consent to let might be? I don't want to commit a crime but they aren't very helpful about telling me what I am allowed to do.

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Answers (1)
Report this content ahannafo Written on: 20/06/2014
HSBC have been very reasonable with us under similar-ish circumstances. We got the permission without any problems. I suggest you call into a branch and ask a person face to face and/or formally ask for permission to what what you want to do - it really sounds like get Consent to Let. They may well say yes, and you will be fine. If they say no, you will know where you stand and can make a different plan.
Asked by Andyrobbo1963 on 2nd April 2014 Report this content
Does anyone know what the chance is of getting a mortgage for a 46 year old with multiple sclerosis is?

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