HSBC Equity Release – 4.51% MER – Free Valuation

HSBC Equity Release

4.51% MER fixed for life.

No hidden fees or surprises, just a simple free home valuation, very similar to a traditional mortgage.

  • Tax-free cash lump sum or monthly payment from your home
  • Spend the money on anything you like with HSBC Equity Release
  • Live in and keep owning your home
  • No monthly repayments unless you want to pay interest only (RIO)
  • You don’t need to be an existing account holder with HSBC Bank

How much can I release?

You can get 60% of your home’s valuation. For example, if your house is worth £270,000 you can release £162,000.

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HSBC equity release northern ireland
HSBC lifetime mortgage
  • Get A Free No Obligation Quote

  • About You

HSBC Equity Release

Find out if HSBC Equity Release can offer you more or less money than Hodge, Legal and General, Retirement Advantage, just or Pure Retirement.  More two life can charge apr rates of 6.48% so HSBC could be cheaper.

Seeking guidance when you need a remortgage

It’s common to encounter individuals seeking out bad debt remortgage brokers, high-risk remortgage lenders or lousy credit remortgage lenders in the UK however secured loan lenders like HSBC Direct are keen to see proof of affordability in the form of two letters, pension statements or p60.

Proof of income:

Loan companies such as Equifinance, HSBC Equity Release, Lloyds Bank or Paragon Personal Finance often accept evidence of monthly income with

  • universal credit letters
  • payslips

Common types of high-risk credit

Lenders such as 1st Stop Home Loans, Central Trust or Masthaven can often give loans to people with

  • missed 8 am
  • ccj’s
  • missed payments
  • late payments

Age criteria for secured loans

It’s common to find a lower overall cost to get a homeowner loan than a re-mortgage.

Opportunity for lousy credit online mortgage companies – NOT a HSBC lifetime mortgage

  • Cambridge Building Society
  • Hanley Economic Building Society
  • Precise Mortgages
  • Keystone
  • Nationwide Building Society
  • Newbury
  • HSBC lifetime mortgage

How much cash can I borrow?

You can achieve 70% of your home’s valuation. As an example, if your house is valued at £180000 you can release £126000.

Most lenders will consider equity release for properties in England, Wales, Scotland, and Northern Ireland.  Some lenders are fussy about the risks of lending on farms in Northern Ireland.

Time to pay back mortgage with Together examples:

  • Two years
  • Three years
  • 25 years

Drawdown lifetime mortgage fees unlike an HSBC lifetime mortgage

  • broker fees
  • arrangement fees
  • application fees

Common retirement finance offerings are Lloyds lifetime mortgages, Barclays Bank remortgages for people over 50 years old, Natwest interest only mortgages for over 65 year olds, Legal and General retirement interest-only mortgages and Nationwide BS mortgages for over 50 year olds.

Finding help when you want a secured loan

  • IFA
  • UK Financial advisor

Popular loan to value percentage ratios of Lloyds Bank retirement mortgages over 60, HSBC remortgages for people over 50 years old, Halifax RIO mortgages over 75, Legal and General interest only mortgages for people over 70, Bank of Scotland lifetime mortgages for over 55s and Nationwide Building Society RIO mortgages over 75 are 50%, 60% and 65%.

It’s very regular to see people seeking out lousy credit history mortgages, where to get a mortgage with bad credit or subprime loans for people with bad credit however home loan lenders like Bank of China UK are keen to see evidence of monthly income in the form of sa302 documents, pay stubs or accounts.

Some of the most common loan to value percentages of LVE interest only mortgages for over 60s near London, More2Life equity release schemes for over 55’s, OneFamily later life interest only mortgages over 70, YBS mortgages for 60 plus, Royal London mortgages for 60 plus and Axa later life interest only mortgages over 70 are 50%, 60% and 65%.

Getting help when you want a speedy remortgage

It is very regular to discover individuals searching for best remortgages for lousy credit rating, adverse credit remortgage brokers or bad credit remortgage however loan companies like First Trust Bank are keen to see evidence of affordability in the form of accounts, DWP letters or p60.

Common LTV percentages of Standard Chartered interest only mortgages for over 70s, Shepherds Friendly equity release schemes for people over 70, Sainsbury’s mortgages for over 65, Coventry Building Society over 60 lifetime mortgages, Newcastle Building Society retirement mortgages over 70 and National Counties Building Society retirement interest only mortgages over 75 are 45%, 55% and 65%.

Types of mortgages lenders offer for Buy to let including for lousy credit

  • Buy to let mortgages Paragon BTLPortfolio
  • Interest-only mortgages building Society Lending Ltd
  • Discounted rate mortgages Halifax

The mortgage lender will want to know if the property is a Freehold terraced house or a Leasehold flat with a share of freehold and if the occupier is an Assured shorthold tenancy tenant.

Compare HSBC Equity Release with other top banks and building societies.

Difficult to finance property variants include properties in poor condition, age-restricted properties, leasehold properties (England, Wales, Northern Ireland) subject to a lease length of 160 years, properties which are made up of multiple titles and properties with leased solar panels.

Home Loan to Value

It is very regular to discover individuals searching for loans to value of 80%, 75% or even as much as 90% however it’s hard to get 95%.  For equity release, it’s common for the loan to value ratio to be around 50% depending on your age or the age of the youngest homeowner.

Difficult to mortgage home variants can include properties with post-1945 asbestos or similar composition roof tiles, properties with single skin brickwork where the single skin comprises more than 20% of the surface area of the external walls, properties constructed or converted within the past 10 years, freehold/feuhold flats (Scotland only) and basement or lower ground floor flats with level access to private or communal garden space.

Additional costs for common equity release deals or HSBC Equity Release

  • upfront fees for valuation
  • booking fee
  • brokers fees

Common pensioner mortgage products are Lloyds Bank over 60 mortgages, Barclays mortgages for 60 year olds, Natwest retirement mortgages, Legal and General mortgages for 60 plus pensioners and Nationwide BS later life interest only mortgages over 60.

Popular pensioner loan products are Lloyds mortgages for over 60s, HSBC later life borrowing schemes, Halifax mortgages for 60 year olds, L&G RIO mortgages and Nationwide Building Society interest only mortgages for people over 60.

Challenging to mortgage home variants include properties built or converted into dwellings within the last 10 years, properties with flying or creeping freehold which comprises 15% or less of the total floor area, properties without direct access to an adopted highway or which are accessed over an unmade road, properties with flying or creeping freeholds which comprise over 15% of the total floor area and properties in coastal areas that may be affected by erosion.

Existing Customers – 03457 404 404

Lines are open from 8 am to 10 pm every day. From outside the UK +44 1226 261 010

For Advance and Premier customers, lines are open 24/7. Not an HSBC lifetime mortgage application.

Lost and stolen cards – 03456 007 010

Lines are open 24/7. From outside the UK +44 1442 422 929

*Response times from this number differ from the average response times published.

Non-HSBC Customers – 03456 040 626

From outside the UK +44 1226 261 010

HSBC UK Bank plc is authorized by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 765112). HSBC UK Bank plc is a company incorporated under the laws of England and Wales with company registration number 9928412 and its registered office at 1 Centenary Square, Birmingham, B1 1HQ. HSBC UK Bank plc’s registered VAT Number is GB 365684514. HSBC adheres to The Standards of Lending Practice which is monitored and enforced by The Lending Standards Board. Further details can be found at

Tough to mortgage home variants can include properties will be assessed for flood risk, leasehold properties with a short lease, typically less than 70 years, or a defective lease, derelict property or where part of the building is in severe disrepair and needs demolishing, mundic homes and Reema Hollow panel, Schindler and Hawksley SGS, Stent, Stonecrete, Stour, Tarran, Underdown, Unity and Butterley, Waller, Wates, Wessex, Winget and Woolaway.

Does HSBC offer Equity Release?

Yes, HSBC does equity release at 1.97% APR.

Debt Consolidation Loans For Bad Credit

Does HSBC offer Equity Release Under 55?

Yes, HSBC Equity Release Under 55 is 1.97% APRC.

What Is The Maximum Age For A Mortgage

Debt Consolidation Loans With Bad Credit