Manage My Mortgage | Helping You Manage Your Loan

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Manage your mortgage

Speak to a home loan specialist

Get in touch with our expert mortgage team. Give us a call toll-free on 800 HOUSE, or leave your details and we'll give you a call back. You can also email mortgage.team@hsbc.com with your query.

Explore the changes you can make

Take a look at the different options you have - from borrowing more, to extending your term.

Modify your property

If you'd like to carry out renovations or major repairs to your property, we'll aim to get your certificate ready within 7 working days, depending on your circumstances.

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Purchase an additional home

If you're looking for a second property, speak to a mortgage specialist about applying for an additional HSBC home loan. You'll be able to manage your repayments easily in one place with our online banking.

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Make overpayments

You have the freedom to overpay up to 25% of your outstanding home loan balance per calendar year without a fee. Anything over 25% may incur an early settlement charge.

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Sell your home

You'll need to repay the full outstanding balance of your home loan (principal plus interest) that's owed up to the time of the sale. We'll then release our security over the property. And if your buyer is planning to take a home loan, refer them to us and you could get a special discount on any applicable Early Settlement Fees.

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Frequently asked questions

1. You're selling your property to a cash buyer.

You'll need to provide the name and passport of the buyer and proof of the source of their funds.

2. You're selling your property to a buyer who has a mortgage with HSBC Middle East.

You'll only need to provide the name of the buyer.

3. You're selling your property to a buyer who has a mortgage from another bank or finance company.

You'll need to provide the name of the bank or finance company. We'll also prepare a copy of the liability letter for you to forward to the other bank or finance company.

4. You're transferring your mortgage balance from HSBC to another bank or finance company.

You'll need to provide the name of the bank or finance company. We'll also prepare a copy of the liability letter for you to forward to the other bank or finance company.

5. You're planning to pay off your home loan with your own funds.

You'll need to provide proof of the source of your funds.

Once you've notified us of the reason you're closing your home loan account, we'll arrange your liability letter within 15 working days. This will verify the pay off amounts, including any charges and the accrued interest. You'll still accrue interest during the time it takes us to prepare the liability letter.

The liability letter needs to be signed by yourself, and the original copy must be returned to us in order for us to proceed with your closure.

You can make funds available in your HSBC bank account and sign a debit authority for us to arrange the payment. You'll then receive your liability letter within 7 working days.

Or, you can send us a manager's cheque payable to: HSBC Bank Middle East Limited. You'll then receive your liability letter within 10 working days.

Let us know if you'd like to make an overpayment. Before you do, you'll need to think about a few things:

the overpayment can be made at any time, but must be on your usual monthly repayment date
your loan tenure will remain the same if you make an overpayment, but your monthly repayment amount will reduce
you won't be able to redraw any overpayments made, as we can't reverse or cancel any overpayment instructions
you can make an overpayment using online banking, or by signing a debit authority for us to arrange the payment
Amanah mortgage customers will need to sign a letter as well as notifying us.

If you do not keep up your repayments/payments, you may lose your property.

You may have to pay penalties if you pay off a loan/financing early.

If you do not meet the repayments/payments on your loan/financing, your account will go into arrears. This may affect your credit rating, which may limit your ability to access financing in the future.

Refinancing your loans/financing may take longer to pay off than your previous loan/financing and may result in paying more in interest/profit.

Manage your mortgage

Speak to a home loan specialist

Explore the changes you can make

Modify your property

Purchase an additional home

Make overpayments

Sell your home

Frequently asked questions

What scenarios are there for closing my home loan?

What is a liability letter?

How do I make the final payment on my home loan?

I'd like to make an overpayment - is there anything I should know?

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