- \n
- Enhanced Loan to value \n
- 5.5x income (£100k and above) \n
- Multiple income streams considered \n
- Future rental income considered – evidenced via ARLA letter / Let to buy mortgage offer \n
- Investment income used \n
- Overseas customers (approved countries) \n
- Non-GBP income accepted, including overseas self-employment and rental income \n
- Limited Companies – share of net profit used for income. No minimum shareholding needed to include \n
- LLP (200+ partners) – Letter from the Finance Director \n
- One years’ self-employment can be accepted (2-year average applied) \n
- Trust income included \n
- Multiple repayment plans considered. \n
| 0345 600 5847 - option 5 | \n|
| highvaluemortgageservice@hsbc.com | \n|
| Sam Mangham | \n|
| Helen Foletti Josh Marsh | \n
Our team are available to answer your queries Monday - Friday, 9am - 5pm.
\nWe will respond to any emails received to our dedicated account within four hours (during normal working hours).
\nClick here to access our Product finder tool where you can browse all the mortgage products that match your customer's criteria.
\n| Type of Lending | \nRepayment Basis | \nLoan Size (LTV per cent) | \n|||
|---|---|---|---|---|---|
| \n | \n | Over GBP1million up to and including GBP2 million | \nOver GBP2 million up to and including GBP3 million | \nOver GBP3 million | \n|
| New Mortgage | \nCapital Repayment (Houses / Bungalows) | \n85 | \n75 | \n70 | \n|
| Capital Repayment (Flats/Maisonettes) | \n75 | \n75 | \n70 | \n||
| Interest Only | \n75* | \n65* | \n50 | \n||
| Remortgage | \nCapital Repayment (Houses / Bungalows) | \n85 | \n75 | \n70 | \n|
| Capital Repayment (Flats/Maisonettes) | \n75 | \n75 | \n70 | \n||
| Interest Only | \n75* | \n65* | \n50 | \n||
| Additional borrowing | \n\n Capital Repayment (including unencumbered properties and existing mortgage customers borrowing more)\n | \nStandard (Houses / Bungalows) | \n85 | \n75 | \n70 | \n
| Standard (Flats / Maisonettes) | \n75 | \n75 | \n70 | \n||
| Debt Consolidation | \n80 (75 for Flats / Maisonettes) | \n75 | \n70 | \n||
| Any element of existing Interest Only borrowing | \n85 (75 for Flats / Maisonettes) | \n75 | \n70 | \n||
| Business Use | \n75 | \n75 | \n70 | \n||
| Interest Only | \n\n | 60* | \n60* | \n50* | \n|
| Combined Repayment Type – New Mortgage, Remortgage and Additional Borrowing | \n\n Part Capital Repayment/ Part Interest Only \n \n Please note, the maximum LTV for the interest only part of the loan is restricted to the ‘Interest\n Only’ maximum banding in line with the borrowing amount\n | \n 85 (75 for Flats / Maisonettes) | \n75 | \n70 | \n|
| \n * Interest Only borrowing against an Ad hoc Capital Repayment Plan is capped at 50 per cent LTV. Any\n additional borrowing up to the LTV limits above must be structured as follows;\n \n \n On a Capital Repayment basis OR\n \n \n On an interest only basis provided the remainder has a separate acceptable Repayment Plan(s) other than\n 'Ad hoc Capital'\n | \n
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Loan to value
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Service
\n\n Our dedicated High Value Mortgage Service Team offer an enhanced proposition, with a straight forward\n three-step approach to ensure the application process runs smoothly.\n
\n\n 1. Prior to submitting the application, contact our High Value Mortgage Service Team (details can be found\n below) to discuss the case.\n
\n\n 2. During the call, we will complete a{\" \"}\n \n Customer Application Form\n ![\"Ext\"](\"../assets/external.link.svg\")
\n {\" \"}\n which will capture financial details and any other information that might assist the underwriter with\n assessing the case. The completed form will then be emailed to you to upload as part of application\n submission.\n
\n 3. Once the application has been passed for assessment, if required, you will receive a telephone call from\n one of our underwriters to discuss the case in detail. This will ensure a lending decision can be made as\n soon as possible.\n
\n\n 4. We will also discuss with you appointing a Solicitor or Conveyancer options for the legal work, please refer\n to Solicitor / Conveyancer for our criteria including where Separate Legal Representation is required.\n
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\n Frequently Asked Questions\n
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Meet the team
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Testimonials
\n\n {\" \"}\n We have already helped a number of our brokers with their more complex cases and here’s some of the great\n things they had to say about HSBC UK’s new High Value Mortgage Service:\n
\n\n “I wanted to thank you again for your input, effort and work on this case. I am used to your industry\n leading methodology and service but in this particular case I am are aware of how you went above and beyond\n and without the deal would not have been offered.”\n
\n\n “I treat all clients the same but this particular client was referred by another client and the success is\n already leading to increased referrals so your input has benefitted our further business also. As you were\n so critical to the case I had given the client insight and so share his note below. I am truly grateful for\n your attention to detail, hard work and perseverance you input for my cases and clients. Thank you!”\n
\n\n “I wanted to take a few minutes out of my day to thank you for your recent help in agreeing a high net worth\n case. We had the call from the underwriter in the last hour to confirm it had been agreed.\"\n
\n\n \"This process has been without doubt the most impressive with HSBC to date and more importantly, the most\n seamless process of all high value, complex cases we have done in the last 6 months. Having the opportunity\n to discuss the case pre-application when we discussed the high value proposition was hugely valuable, and\n from application to this stage has been fantastic. Even with the error we made on the application (keying\n solely instead of jointly) was easy to fix and simple, getting agreement has been seamless and overall the\n experience has given me huge confidence in HSBC’s ability to agree complex cases. You will certainly get\n more of them!”\n
\n\n \"As advisers, we are also very quick to criticise and don’t often praise enough and to this I can only say\n what a breath of fresh air it is in dealing with Helen. She is clearly passionate about her work and never\n needs chasing. If she says she will do something, she will action and come back to you within the timescales\n she indicates. The test of any company is dealing with the problems and it is such a weight lifted when\n Helen picks up the gauntlet, as we know she will get the job done. She really is a credit to HSBC and one of\n the reasons HSBC large loans is often our first port of call.“\n
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