HSBC Deals

HSBC Deals & Discounts

48 hot deals
HSBC VISA Offers - £10 off £50 at House Of Fraser and other offers
256°
Found 10th DecFound 10th Dec
If you have a Visa (Debit or Credit) card issued by HSBC there are a few decent offers to be had : £10 back on a spend of £50 or more at House Of Fraser - expires on the 24th of… Read more
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Original Poster

justinlinham2 h, 4 m ago

First direct as well



You are right, should have mentioned that too. Thanks for pointing out
Edited by: "matwalaboy" 10th Dec

Nike doesn't show on mine 😔

First direct as well

matwalaboy1 m ago

Ah didn't know that the expiry date varies on when you opt in, thanks for …Ah didn't know that the expiry date varies on when you opt in, thanks for letting me know - I thought like most other offers it has a fixed date.


Offer goes live as soon as you look at it (on their website) or when you open the email.
Edited by: "maxamus007" 10th Dec

Original Poster

maxamus0078 m ago

Isn't this for "Advance" and "Premier " account holders only...?And the …Isn't this for "Advance" and "Premier " account holders only...?And the expiry date is dependent on when you looked at the offer.E.g i have still 4 days available to get the 10% from Nike....you only have 2 days left.


Ah didn't know that the expiry date varies on when you opt in, thanks for letting me know - I thought like most other offers it has a fixed date.
£3 off £8 spend at Costa - Visa offers
321°
18/12/2017Expires on 18/12/2017Found 6th DecFound 6th Dec
Browsing through Visa offers and the £3 off £8 spend seems to be back (until 18th December). Says available on all registered cards so I imagine if you have access to visa offers (… Read more
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Original Poster

buggzy2 h, 29 m ago

Would this work if I bought a Costa gift card?


I'm not sure, T&Cs simply state spend £8 in Costa so i imagine a gift card would count

Would this work if I bought a Costa gift card?

Sorry but....HOW MUCH FOR A COSTA COFFEE?!?!?!

Not showing on mine unfortunately :-(

alex26099311 m ago

[Image] Thats what's on my one, by "available on all registered cards" i …[Image] Thats what's on my one, by "available on all registered cards" i assumed that meant for all accounts but thinking about it, you might be right by saying it's account specific like last time. Just out of interest, did you use it last time around?


I just checked offer history and it is showing as expired there. You're right OP!
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Hsbc advance customer rewards - free now tv sports pass (selected customers)
99°
Found 29th NovFound 29th Nov
Im not sure if its been posted already but Hsbc advance customers can get a free sky sports now tv pass and other discounts. Just been sent the email so I hope it helps somebody.

Anon3212th Dec

Try now its dec


Are they giving one out every month? Got it this time Thanks!

r4w8029th Nov

I received the invitation email at 20:30, registered a few minutes ago and …I received the invitation email at 20:30, registered a few minutes ago and all the passes gone... interesting!


Try now its dec

I received the invitation email at 20:30, registered a few minutes ago and all the passes gone... interesting!

Looks like one day pass only... what a waste of time and silly gimmick by HSBC!
Edited by: "mchu6am4" 29th Nov

What about First Direct customers?
Gousto (Fresh Food Delivery) £10 back on your next purchase of £10 or more @ Visa offers via HSBC
36°Expired
Found 17th NovFound 17th Nov
DELICIOUS FRESH FOOD DELIVERED STRAIGHT TO YOUR DOOR Exclusive to Visa Customers: Enjoy a £10 Cashback plus 50% Off Your First & Second Box ( using Promo Code: VISA… Read more
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Also on my Nationwide VISA offers.

This is great , took up this offer about 3 weeks ago !

The 4 person boxes are even better value , think it works out around £13.50 for 4 meals for 4 people. The meals are delicious too , they use quality ingredients

Go for it ...
Edited by: "rooney10" 17th Nov

Original Poster

32461073-6F0zM.jpg
With the £10 Visa Cashback
Everything for £7.50
First Direct/HSBC Visa Offers £10 Cash paid back into your bank account when you spend £50 at House of Fraser instore or online
216°Expired
Found 21st OctFound 21st Oct
You need to sign up to HSBC visa cashback offers to get this deal. Well worth doing if you have a HSBC account Sign up here £10 back on your next purchase of £50 or more (en… Read more
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Original Poster

diddlypockets2 h, 56 m ago

Sign up to visa offers requires you to enter your visa card number?


Yes I recall I had to do that./

diddlypockets16 m ago

Sign up to visa offers requires you to enter your visa card number?


Yes it does to verify you have a Visa card.

Sign up to visa offers requires you to enter your visa card number?

Unfortunately the House of Fraser offer is not showing up for me after signing up...

Original Poster

rachelandgromit6 h, 21 m ago

Can you sign up to HSBC cashback if you have a first direct account rather …Can you sign up to HSBC cashback if you have a first direct account rather than HSBC.



My bad I was thinking you wanted to sign up for the tap moments promotion..
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Get £200 when you switch and stay with HSBC
91°Expired
Found 17th OctFound 17th Oct
Get £200 when you switch and stay with HSBC Offer ends 26 November 2017 New customers who open an HSBC Advance Bank Account will get £150 when using the Current Account Switch Se… Read more

does the mandotory input of £1750 have to be made in one go? im thinking to transfer the difference my salary wouldnt cover in from another account, and setting up a standing order from this HSBC account to pay that amount back to my other account.

If that would be against the rules then not worth trying it.

My application was recently accepted for this account online. Didn't hear anything back so spend 2 40 minute calls to their call centre in Malaysia and an hour in an understaffed branch before I was shown a letter, which was never sent to me, indicating my application was declined but that I could apply for a basic account.

Despite the waste of time I'm glad I didn't switch as the customer service from their sister bank First Direct is in a different league.

Can previous customer benefit if they have switched previously

jase.225 m ago

I wouldnt recommend switching to HSBC, I used this offer the last time and …I wouldnt recommend switching to HSBC, I used this offer the last time and it was so difficult and included FOUR visits to the branch to deal with various paperwork after the bank cocked up so many times Cant believe thesedays that a branch cannot do full account opening and switching online


I did not have any problems! And do recommend the switch!

I wouldnt recommend switching to HSBC, I used this offer the last time and it was so difficult and included FOUR visits to the branch to deal with various paperwork after the bank cocked up so many times

Cant believe thesedays that a branch cannot do full account opening and switching online
AMAZON £60 gift card and 1 Year free Student Prime when you open a HSBC Student Account
803°Expired
Found 16th OctFound 16th Oct
Must not have a Student Account elsewhere Ends 31st October 2017 You can also have £1000 interest free overdraft (y) for stoozing if your child has a TSB account they pay 2.5… Read more
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is the Hsbc Mobile app the same as HSBC Android pay app, as can't find it, or is it Android pay app and I use my HSBC card.

sorry for the noob ?

re-read the thread now sorted.

cheers OP
Edited by: "REAL_DEAL" 19th Oct

Original Poster

Manny501 h, 42 m ago

I guess android pay is not available on iPhones? I got a HSBC account so …I guess android pay is not available on iPhones? I got a HSBC account so just wondering if I get a android mobile I can use it and do you have to use the app to spend money to get envelopes? Cheers


It's deffo worth buying a cheap android phone WITH NFC to do this. You need to make a purchase (no min value you could just buy a 5p bag) to get an envelope. 10 envelopes max per day for 30 days. 2 minute cool down between envelopes
Edited by: "Madchester" 19th Oct

I guess android pay is not available on iPhones? I got a HSBC account so just wondering if I get a android mobile I can use it and do you have to use the app to spend money to get envelopes? Cheers

Original Poster

X50pence7773 h, 55 m ago

oh, i actually have to use it with android pay not just link it... thats a …oh, i actually have to use it with android pay not just link it... thats a pain...thanks though


Today opened 10 envelopes and got 2 x £3 costa, 1x £10 pizza express and 1 x £50 currys pc world worth the pain I'd say.

Natnotgnat17th Oct

For 1st year undergraduates only- first year postgraduates aren't able to …For 1st year undergraduates only- first year postgraduates aren't able to receive the free gifts either


That's not true. You can get the gift card and the Student Prime subscription even as a postgrad student.
Free £3 costa, £10 pizza express, odeon, £50 curry's gift card using HSBC card via Android
261°Expired
Found 8th OctFound 8th Oct
Add your HSBC card on Android Pay for the first time and you could be in with a chance to win with every eligible transaction. You will receive an envelope within Android P… Read more
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Do make sure you open your envelopes before your 30 days runs out - i had a few left that i hadnt opened on the last day, thinking they last until at least midnight. However on opening the app it popped up an alert that the promo was over, and the envelopes also disappeared

matwalaboy11th Nov

Anyone know if I can setup another one with my wife’s supplementary card t …Anyone know if I can setup another one with my wife’s supplementary card to get the promo month(I can use another google account on a diff phone too or it’s per account and hence if I have done so on my primary card it won’t give me the promotion again?


Replying to my own question - for the benefit of someone else in similar situation. Yes it works fine - use a different google account and its all mint. I have a month of envelope hunting on this one too

Anyone know if I can setup another one with my wife’s supplementary card to get the promo month(I can use another google account on a diff phone too or it’s per account and hence if I have done so on my primary card it won’t give me the promotion again?

LankyChris2 h, 19 m ago

There's a similar offer for all VISA cards on Android pay I just had pop …There's a similar offer for all VISA cards on Android pay I just had pop up when registering for this HSBC one.https://www.hotukdeals.com/deals/win-ms-greggs-pizza-express-or-restaurant-vouchers-up-to-50-when-first-using-a-visa-card-via-android-pay-2822993Hoping I'll get an entry for each offer per transaction, two envelopes each time. Has anyone had two offers at once who can confirm this?



I can confirm after trying a transaction and you indeed do get an enevlope for each offer.

There's a similar offer for all VISA cards on Android pay I just had pop up when registering for this HSBC one.

hotukdeals.com/dea…993

Hoping I'll get an entry for each offer per transaction, two envelopes each time. Has anyone had two offers at once who can confirm this?
The best credit card deals for September 2017
236°Expired
Found 25th SepFound 25th Sep
Top credit card deals September 2017 Free £25 for getting HSBC Credit card, use it once in 60 days. HERE . £25.25 cashback just for having a Barclaycard No Fee Platinum 25 M… Read more
Editor Get dealGet deal

What I’m looking for is a credit card that has a decent 20 month plus on 0% spending but with also cashback like £25 , because it’s rare to get both , you usually only get 1 or the other .

Providing you know how to use them credit cards are fine. Personally I’ve used them to improve credit rating, credit card protection etc never had an issue and always pay it off in full. It’s the people who spend spend spend without any thinking that need to stop using credit cards.

cocogumbo59 m ago

I don't think it's a question of intellect for either of the above …I don't think it's a question of intellect for either of the above comments; those who are "lacking the ability to manage their money" - it's the probability of circumstance. It's all well and good if you have a regular income but what if you get made redundant tomorrow? What if you have a terrible accident and can no longer work? You'd probably wished you'd saved up and paid outright for something, not stuck it on a credit card. Just my opinion. Also - by saying whether you're "smart" enough or "lack self control" could be quite insulting to other HUKD members. Maybe consider others circumstances before posting.. the saying if you have nothing nice to say, don't say it at all springs to mind.



Seriously? Did you actually read our posts?

Using something wisely requires wisdom. Using something intelligently requires intelligence. Those who understand interest earn it, those that don't pay it.

The way I've suggested to use this does not involve getting into actual debt - simply holding more funds in savings account(s) that you could use to pay off the credit card in an instant. Literally will have no negative impact should you become redundant or can no longer work - in fact it would put you in a better position as it would give you access to more funds should you need it, plus the extra interest you'd earn.

Sure, if you just want to get this because you decided you need to have the latest iPhone that you can't afford, then this is a bad idea, as I stated (no self control or lack any understanding of money - totally fair and just, I'm not saying it in a nasty way, just saying it how it is).

There may be a case that you find yourself in a difficult situation and need credit to feed your family - it happens. This is a reasonable way to do it, so long as - like I said - you understand money and pay it back.


But of course - all credit cards are evil, should never be used by anyone and should be banned forever.

Re: The deal itself, it's worth noting that Barclaycard and Sainsburys have 2% or 2.5% minimum repayments, which actually becomes quite singificant over the lifetime of these deals versus the 1% you get with some other lenders. If it's fee free then it's not such a worry, but if you're paying 1-3% handling fee you want to have more than half of the balance still remaining at the end of the term if you're looking at this as a stooze.

Of course, if it's just to manage short-term cashflow problems, then a higher minimum repayment may suit you.

cocogumbo1 h, 10 m ago

I don't think it's a question of intellect for either of the above …I don't think it's a question of intellect for either of the above comments; those who are "lacking the ability to manage their money" - it's the probability of circumstance. It's all well and good if you have a regular income but what if you get made redundant tomorrow? What if you have a terrible accident and can no longer work? You'd probably wished you'd saved up and paid outright for something, not stuck it on a credit card. Just my opinion. Also - by saying whether you're "smart" enough or "lack self control" could be quite insulting to other HUKD members. Maybe consider others circumstances before posting.. the saying if you have nothing nice to say, don't say it at all springs to mind.


I also think phrases like "Save up for the things you want. Cold" are quite condescending too, which is what lea to my reply. Maybe consider others' circumstances before posting.. Not everyone's circumstances allow for that either,, life can throw horrible unforeseeable curveballs to us or to our nearest and dearest. Or some people may have saved up and wish to offset their savings. Your post itself is implying that HUKD members are not able to use it other than as a ticket to debt.

I get tired of the CC haters tarring every deal with the same brush - often it's a blanket response from people who don't understand how they can be judiciously used to their advantage, which is what prompted my own response.
Edited by: "gwapenut" 26th Sep
HSBC/Firstdirect -Visa offers- £3 cashback on your next purchase of £8 or more- Costa
341°Expired
Found 22nd SepFound 22nd Sep
Another visa offer- £3 cashback on your next purchase of £8 or more at Costa. Just follow the link to register for being eligible. Ends on 06/10/2017. My be account specific
Get dealGet deal

@jase.2 I think all these offers work by Visa simply seeing a debit for the necessary amount from the retailer, so I would think you can buy anything to qualify.
Edited by: "terriclarkfan" 27th Sep

i joined HSBC a couple of months ago and they said nothing about this or no emails, wonder why as some pretty good offers on there that would probably get more people to join.

Wonder if the costa one works if you buy costa giftcard

brynbo6614 h, 49 m ago

It is. I received this offer from HSBC in my email on Sept.1.

Can confirm this. You get money back in your account with in 10 days. Already used couple of offers. 19

Original Poster

whickerg10 h, 53 m ago

Is this a genuine offer? Not shown on HSBC site, and takes you to a web …Is this a genuine offer? Not shown on HSBC site, and takes you to a web domain hsbcuk. Not an actual HSBC link? Or am I just para about phishing sites?



You are a doubting Thomas dude

Doesn't let me register using my firstdirect card. Says enter a HSBC Visa.
HSBC/Firstdirect Visa offer- £10 back on your next purchase of £40 or more in Lidl and H&M
472°Expired
Found 22nd SepFound 22nd Sep
Good for those having a Visa card. £10 cashback on spending £40 in Lidl and H&M- follow the link and register your visa Card to get the offer. May be account specific
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pricesavvy7 h, 21 m ago

Hey thanks OP for post. I have noticed on T&C it cannot be any VISA …Hey thanks OP for post. I have noticed on T&C it cannot be any VISA business card or debit card Hey OP thanks for post . I have noticed on T&Cs you cannot be eligible if you use a Debit Card. Can anyone confirm if a HSBC Visa Debit has tracked and paid your cash back?2.2 You may not participate in the Cashback Service with a: a. Visa business or Visa corporate credit or debit card; b. Visa pre-paid card; or c. any other Visa card that is not eligible to be registered for the Cashback Service (as detailed on the Offer Channels (as defined at clause 3.2)) and/or is not registered to a billing address in the United Kingdom.


That means, I think, business debit cards only. I've been paid out on ordinary HSBC Visa debit cards - though I have to say it does seem a bit hit and miss.

mothsinmywallet23rd Sep

Yes, its Visa themselves doing the offer through HSBC/First Direct. Once …Yes, its Visa themselves doing the offer through HSBC/First Direct. Once your card is registered it will automatically pick up the transaction from H&M and send the reward direct back to your account. All Visa will see is a transaction for £40 at H&M they wont know what its been spent on.Its only a one time cashback. However watch your account closely. You should get an email about 2 days after purchase to say tracked and payment on way. My Lidl purchase tracked but didn't go to payment. There is only a contact form to get through to Visa Customer Services in America and they are useless at resolving problems

Hey thanks OP for post.

I have noticed on T&C it cannot be any VISA business card or debit card
mothsinmywallet23rd Sep

Yes, its Visa themselves doing the offer through HSBC/First Direct. Once …Yes, its Visa themselves doing the offer through HSBC/First Direct. Once your card is registered it will automatically pick up the transaction from H&M and send the reward direct back to your account. All Visa will see is a transaction for £40 at H&M they wont know what its been spent on.Its only a one time cashback. However watch your account closely. You should get an email about 2 days after purchase to say tracked and payment on way. My Lidl purchase tracked but didn't go to payment. There is only a contact form to get through to Visa Customer Services in America and they are useless at resolving problems

Hey OP thanks for post .

I have noticed on T&Cs you cannot be eligible if you use a Debit Card. Can anyone confirm if a HSBC Visa Debit has tracked and paid your cash back?

2.2 You may not participate in the Cashback Service with a: a. Visa business or Visa corporate credit or debit card; b. Visa pre-paid card; or c. any other Visa card that is not eligible to be registered for the Cashback Service (as detailed on the Offer Channels (as defined at clause 3.2)) and/or is not registered to a billing address in the United Kingdom.

anyone used this online?
Top of the page says in store, then underneath tells you to go to the website Nice and clear there then!

bargainhunter453 m ago

I tried to sign up using the link above but it wouldn't accept my First …I tried to sign up using the link above but it wouldn't accept my First Direct Visa, do I need to register somewhere else?




firstdirect.visaoffers.eu/

backinstock22nd Sep

Also on the First Direct Visa offers along with a £5 back from a £40 (or m …Also on the First Direct Visa offers along with a £5 back from a £40 (or more) Esso purchase.


I tried to sign up using the link above but it wouldn't accept my First Direct Visa, do I need to register somewhere else?
Free NOW TV Sky Sports Day Pass with HSBC Advance account
225°Expired
Found 21st SepFound 21st Sep
I got an email off HSBC advising as I had an Advance account I could benefit from some extras including a free Now TV Sports Day Pass worth £6.99
Get dealGet deal

i gather only one pass per account?

just got my code i didn't know about this you register but they know if you're an advance customer or not. Very happy got my £150 will get £50 in a years time and also get a free nowtv pass and they text if you go over the overdraft linit and let you put money in the same day so you don't pay any fees.
So far much better than tsb but

Just tried and more codes are now available. They state 900 codes are released every month until November, so if they run out again, pop a reminder in the diary to check in November.
Edited by: "tentimestootart" 3rd Oct

I just joined advance how do i get these offers? Can't even log in
any spare codes even though would rather get my own tbh

Original Poster

benjai22nd Sep

Where do you see this offer, online or in the app? Have a Premier account …Where do you see this offer, online or in the app? Have a Premier account so hopefully should be able to get these?

I got sent an email titled "Are you getting the most out of your HSBC account?" And it was in there amongst other things. I would imagine Premier customers should benefit from it too!
Free £25 for getting HSBC Credit card. use it once in 60 days.
461°Expired
Found 20th SepFound 20th Sep
£25 cashback We are offering £25 cashback to new HSBC 32 Month Balance Transfer Credit Card customers who apply for this card by 1 October 2017 and use it to either spend or balanc… Read more
Get dealGet deal

I've just rang them,it will be credited to your credit card within 60 days of criteria being met.

I'll call them if nothing by 14 Nov.

RowanDDR38 m ago

Statement came 6 Nov.. its now 12 Nov... no sign of my £25.


Waiting for mine as well, you rang them yet? Probably given as credit on next month bill I reckon

Statement came 6 Nov.. its now 12 Nov... no sign of my £25.
Edited by: "RowanDDR" 12th Nov

Voted hot... On a side note I use to bank with HSBC and its partners First direct who unfortunately defaulted me for not using my bank account and using the agreed overdraft they subsequently asked for thier money back as I wasn't using the account I was going through difficult times financially than but they referred me to a debt collection agency who assured me that I I will be NOT BE defaulted if I pay back the money which I did in couple installments unknown to me years later I found out that they did actually default me hence the reason I had trouble getting credit I filled several complaints to first direct but never was resolved the default finally dropped off my file couple years ago. Time to recuperate some of the that loss with this.
Edited by: "mastersol6" 28th Sep
Get £200 when you switch and stay with HSBC Advance Current Account
482°Expired
Found 13th SepFound 13th Sep
Get £200 when you switch and stay with HSBC Advance Current Account New customers who open an HSBC Advance Bank Account will get £150 when using the Current Account Switch Servic… Read more

missy8913th Sep

HSBC advance accounts also entitle you to preferential rates on saving …HSBC advance accounts also entitle you to preferential rates on saving accounts and the loyalty ISA whereupon you deposit £300 and they'll pay £10 a month into your ISA for 12 months.Not to mention the Advance debit card redesign just looks really cool


Ooo, have you got a link for that? That sounds interesting..

Advance is good, they have a separate team to speak to you on the phone and usually answer immediately. Also usually a UK based call centre when before, it was offshore

littlesayers20th Sep

It says opening this would have access to 'share the experience programme' …It says opening this would have access to 'share the experience programme' can I get £100 from being referred and the £150 for switching?



In the T&C for Share the Experience Programme, it says "This offer cannot be used in conjunction with any other offer or
promotion. If there is another cash offer you qualify for at the time
of referral, you may receive the higher offer payment." So unforunately no.

It says opening this would have access to 'share the experience programme' can I get £100 from being referred and the £150 for switching?

Snuffpig14th Sep

I had an HSBC account last year but switched away. Could I still apply for …I had an HSBC account last year but switched away. Could I still apply for this an be eligible for the £150?


No.

The offer is limited to one per customer or joint relationship on eligible HSBC Advance Bank Accounts and is only applicable to customers who are not existing HSBC current account holders on the date of application (and have not been since 1 January 2015 ). To be eligible for the HSBC Advance Bank Account you must be over 18 and pay in at least £1,750 into your account each month (or a minimum of £10,500 every six months) not including internal transfers. Applications are subject to status and internal checks.
32 month 0% balance transfer, 0.6% fee, £25 cashback @ HSBC
256°Expired
Found 30th AugFound 30th Aug
Available to HSBC advance customers.
Get dealGet deal

Original Poster

Because it is for HSBC customers you may need to log in to see the deal

There's an advance card below, which has the 0.6% rate.

yeah my email said 0.6%

Original Poster

I noticed that... I would expect it is a website error... the email is quite clear.

I'm confused the link says 1.4% transfer fee?
2 year fixed rate mortgage @1.49%, no fees, 3 years @1.69%, 5 years @1.84%
709°Expired
Found 7th AugFound 7th Aug
Maximum LTV 60% Seeing as most people seemed to appreciate the First Direct deal, why not save an extra 0.1%? The 5 year fixed seems like a great option as it balances a cheap int… Read more
Get dealGet deal

Does a joint application require a joint Hsbc advanced account?

othen4 h, 48 m ago

This is not going anywhere, but In just did a google search for 'interest …This is not going anywhere, but In just did a google search for 'interest only mortgage' and found lots available - even a list of the top 10 (from money.co.uk with good deals from HSBC, Barclays, Virgin and others), I've clicked on a few (randomly) and can't find any specific limitations regarding income or pension pots on any...I'm not doubting you in that it is probably more difficult to convince a lender that you will have a means of paying the loan back in 25 years than it would have been 30 years ago (when inflation and equity growth were much higher and we had not had a global recession in living memory), but I do think you are mistaken about there being hard and fast rules on incomes and pensions for this types of loan.I took out an interest-only loan (for a BTL) only 3 years ago and had no problem, I did have to show that I could pay it back from my investment account (which I could - easily) but there was no issue. I think lenders are (rightly) being cautious (and governments have told them they have to be) because too many people defaulted a decade ago - I think this is a good idea because I don't want my savings being used to fund someone who may then decide to default!Best wishes.

I'm in the process now. Nightmare! and our circumstances are better and we can prove we can pay off the 40% LTV Interest only mortgage we've had for 10 years. Good luck when you need to renew - goal posts have moved.

intermediaries.hsbc.co.uk/new…tml



Interest Only policy changeWith effect from the 11 February 2016 we are simplifying our Interest Only Mortgage eligibility criteria and will no longer restrict it to Premier customers only.

  • In order to be eligible for an Interest Only mortgage, a sole applicant must have a gross income in excess of £100,000 per annum.
  • For joint applications, at least one customer must have a gross income in excess of £100,000 per annum.
  • Overtime, bonuses, commission and rental income do not qualify as eligible sources of income.
  • All customers are eligible to apply for an Interest Only Mortgage provided they meet the above eligibility criteria.

paulrwarner10 h, 27 m ago

The criteria is on their websites before they know anything about your …The criteria is on their websites before they know anything about your circumstances. And the key word in my paragraph was 'realistic' criteria, maybe should have said competitive rates too!


This is not going anywhere, but In just did a google search for 'interest only mortgage' and found lots available - even a list of the top 10 (from money.co.uk with good deals from HSBC, Barclays, Virgin and others), I've clicked on a few (randomly) and can't find any specific limitations regarding income or pension pots on any...

I'm not doubting you in that it is probably more difficult to convince a lender that you will have a means of paying the loan back in 25 years than it would have been 30 years ago (when inflation and equity growth were much higher and we had not had a global recession in living memory), but I do think you are mistaken about there being hard and fast rules on incomes and pensions for this types of loan.

I took out an interest-only loan (for a BTL) only 3 years ago and had no problem, I did have to show that I could pay it back from my investment account (which I could - easily) but there was no issue. I think lenders are (rightly) being cautious (and governments have told them they have to be) because too many people defaulted a decade ago - I think this is a good idea because I don't want my savings being used to fund someone who may then decide to default!

Best wishes.

othen11 h, 44 m ago

Sorry, I will re-phrase that:Perhaps it might be a tiny bit difficult to …Sorry, I will re-phrase that:Perhaps it might be a tiny bit difficult to obtain a loan at a very preferential rate when the lender asks for a 40% deposit as security and the borrower has only 10%, but of course it would certainly be worth trying: perhaps turning up at his office wearing a smart suit and nice shoes and carrying a small gift ...

Now that's just so much more pleasant isn't it!!??
Edited by: "ivotedyes" 9th Aug
£60 Amazon.co.uk Gift Card plus a year of Prime Student with HSBC Student current account
395°Expired
Found 31st JulFound 31st Jul
HSBC is offering a £60 Amazon.co.uk gift card plus a year of Prime Student (worth £39) to students or level 4+ apprentices in their first year of a qualifying course. You need to… Read more
Editor Get dealGet deal

Hi, I have applied for my student account using my pre-existing HSBC account. I just wondered what the steps are to getting the amazon perks, once being accepted. Thank you!

Thanks for this. Just applied!

sorted!

19DembaBa19

So what if your a college student



I found this on the website:

Courses which qualify must be full time or part time with a Disabled Students' Allowance.
Postgraduate degree (for example PHD, MBA, MSc, PGCE, MPhil, M.ED, M.ST, LL.M).
Undergraduate degree (for example BA, BSc, BEd, BN).
Diploma of Higher Education (DipHE).
- Business & Technical Education Council (BTEC). The following BTEC courses qualify:
- Higher National Diploma (HND)
- Higher National Certificate (HNC)
National Vocational Qualifications (NVQs) levels 4 and 5.
Foundation Degree - FDA (art based) or FDSc (science based) and/or subsequent one year full honours degree course.
Pre-registration or First Level Nursing and Midwifery Diploma.
Level 4+ Apprentice studying a Foundation, Bachelor's or Master's degree.
A foundation year which is an integral part of one of the courses listed above. We will need to see written proof of this, for example a letter from the college or university.
If there is any doubt whether a course qualifies, contact the university/college.

LuckSTA4 h, 55 m ago

From my experience, your 1) driving licence/passport 2)proof of address 3) …From my experience, your 1) driving licence/passport 2)proof of address 3) university welcome letter

So what if your a college student
Wimbledon-Free Strawberries and Cream HSBC customers
316°Expired
Found 6th JulFound 6th Jul
If you're a HSBC customer then get free Strawberries and Cream by showing your bank card! No such thing as a free lunch! Not with HSBC's bank charges.

It's funny, I posted this same freebie last year and it went cold!

Voted hot - hope those of you that are going have a fab time

Nice find, heat for "Not with HSBC's bank charges."

livid_chimp

Crap interest rates, but glad to see they're spending money on such … Crap interest rates, but glad to see they're spending money on such worthy causes like this instead...


Crap interest rates, but glad to see they're spending money on such worthy causes like this instead...

I got mine for free yesterday when I was at Wimbledon

gorgo2015

Paid for by the Mexican mafia? … Paid for by the Mexican mafia? http://www.rollingstone.com/politics/news/outrageous-hsbc-settlement-proves-the-drug-war-is-a-joke-20121213




Thanks for the link. I was wondering which bank is clean! They all do something thing which is unethical one way or another.
HSBC Dual Credit Card 0% interest on purchases and Balance for 26 months*
203°Expired
Found 12th JunFound 12th Jun
0% interest on purchases for 26 months 0% interest on balance transfers for 26 months (2.89% fee, min. £5)* Applies on balances transferred within the first 60 days of account open… Read more
Get dealGet deal

LeahMinttoutou

For those that don't think this is a good deal can you put a comment as … For those that don't think this is a good deal can you put a comment as to why please. I'm looking for a 0% offer on credit card to buy daughters new bedroom furniture and a new cooker. The cold votes are putting me off getting this one.. thanks guys



Some people will always vote cold on credit card "deals" as they will save up and pay cash rather than taking on debt (and risk) by racking up a credit card bill. Mortgage is probably the only debt you could ever argue is "needed".

Original Poster

amour3k

OP .. HSBC DUAL Credit Card?.Does that mean that you get 2 Credit Cards … OP .. HSBC DUAL Credit Card?.Does that mean that you get 2 Credit Cards with this Deal then?, or ..... thanx.I don't get it?. :-)


It's one card

LeahMinttoutou

For those that don't think this is a good deal can you put a comment as … For those that don't think this is a good deal can you put a comment as to why please. I'm looking for a 0% offer on credit card to buy daughters new bedroom furniture and a new cooker. The cold votes are putting me off getting this one.. thanks guys



if you think the furniture is going to be around £2000 get the Amex which will give you £100 cashback minus £25 annual fee.

More credit card info here:
moneysavingexpert.com/cre…rds

OP .. HSBC DUAL Credit Card?.

Does that mean that you get 2 Credit Cards with this Deal then?, or ..... thanx.

I don't get it?. :-)

There are longer 0% deals on balance transfers - up to 41 months at the moment. On dual use 0% cards the Bank of Scotland group are doing 29 months.
HSBC Advance Account. Free £150 to switch PLUS £50 if you stay, though high min pay-in
228°Expired
Found 6th JunFound 6th Jun
From mse Open and switch to HSBC's Advance Account* and you'll get £150. And if you stay for a year, you'll get a further £50 bonus - you can earn slightly more overall with the T… Read more

Original Poster

Back on

Anon322 h, 39 m ago

£150 paid today just needed for new heating system! Worth it for just …£150 paid today just needed for new heating system! Worth it for just changing banks it fuctions the same as the ts


Yup. Mine paid today too, took a while but I presume they do it once a month in batches.

Original Poster

iAmLegendFam24th Aug

My account switched on the 27th July, still no money. Did you complete it …My account switched on the 27th July, still no money. Did you complete it before me?


£150 paid today just needed for new heating system! Worth it for just changing banks it fuctions the same as the ts

Original Poster

Mine switched 14th of aug. As soon as it comes in i'll let people know

I completed my switch on 11th July