The costs of paying a mortgage (interest only or capital repayment) should also be considered. For Buy to Let mortgages, the minimum loan is £25,000. Although there remains uncertainty around the Brexit process, we believe HSBC Expat is well placed to continue to provide you with expat banking services. With let to buy mortgages, you are basically remortgaging your existing home to a buy to let mortgage and withdrawing the equity to use as a deposit on a new residential property that you intend to move to. fixed. All rights reserved, Our calculators are here to help you select and understand how your mortgage can work for you. Your home may be repossessed if you do not keep up repayments on your mortgage. The maximum borrowing amount for this is £50,000 with a maximum 60% loan to value). Please note: the affordability calculator will not accurately support additional borrowing requests or multiple mortgage terms at this time. The Money Advice Service's monthly budget calculator can help you see how much you could … Our mortgage calculator resources can help you determine which mortgage options are best for your needs. When securing a mortgage, a valuation of the property will When we think about how affordable a buy-to-let mortgage is, we consider the expected monthly income you'll get from renting out the property, not your current salary. We know a buy to let investment can be a big commitment, that's why we've put together a helpful guide to help consider costs, responsibilities and the risks of becoming a landlord. See our help and support pages for guidance and to find out what you can do through online and mobile banking. Calls may be monitored and recorded. By continuing on this website you consent to the use of these cookies. Interest Only Buy to Let Mortgage Calculator. Buy to Let is only available to limited intermediaries. To assess how much you can afford to borrow, a Rental Income affordability assessment is carried out. Buy-to-let calculator Confirm that you’re eligible and see what you could afford to borrow by answering a few questions about … † Lines open Monday to Saturday 8am - 8pm, Sunday 9am - 6pm. We're not able to provide a Buy to Let mortgage if you're classed as either a Professional Landlord or a Portfolio Landlord: A Professional Landlord is a person (or persons in the case of the joint mortgage) with more than £2,000,000 in buy to let borrowing across all lenders or where more than 50 per cent of their total gross annual income (joint income) is from rental income. Lines are open 8am-10pm every day. All HSBC mortgages . However, some buy-to-let mortgage providers can require deposits as large as 40%. The FCA does not regulate some investment mortgage contracts. A buy-to-let investment can be a big commitment. BTL Affordability Calculator; Key Information Only Landlords with 10 or less Buy to Let / Consent to Let properties (mortgaged or unencumbered) will be considered for a mortgage Small Landlord 3 or less Buy to Let or Consent to Let mortgaged properties (including this application) HSBC UK Buy to Let products will be more widely available towards the end of 2019. Your home may be repossessed if you do not keep up repayments on your mortgage. Whether you're starting out or expanding your portfolio, HSBC's Buy to Let mortgages could be the answer. Contact our mortgage specialists through our International Banking Centres for more information on providing your credit history for an overseas mortgage. Follow HSBC UK on Facebook This link will open in a new window, Follow HSBC UK on Twitter This link will open in a new window, Follow HSBC UK on YouTube This link will open in a new window, Our website doesn't support your browser so please upgrade, View our service status to see how we're doing, Careers, media, investor and corporate information, You must have owned and lived in your existing property for at least 6 months, The maximum Loan to Value (LTV) is 75%, subject to loan amount, Properties must be let under an Assured Shorthold Tenancies (AST) or company let agreement, The property must not be a House in Multiple Occupancy (HMO), e.g. Brexit transition period – Please be assured that HSBC Expat will continue to service your banking needs during the Brexit transition period. Find out what you could borrow and what your payments will be today. With rental property in high demand in many parts of the UK, the buy to let market has been growing significantly in recent years. Lenders treat mortgages for a rental property as a higher risk than a residential mortgage. This HIBOR quoted by The Hongkong and Shanghai Banking Corporation Limited is not necessarily the same as … A buy-to-let mortgage is a mortgage sold specifically to people who buy property as an investment, rather than as a place to live. You can apply for a residential mortgage if you're looking to buy a home for you and your family to live in, while a buy-to-let mortgage is for property you plan to rent out. The buy to let mortgage calculator gives you an indication of how much potential rental income you would need to receive to secure a mortgage, based on the purchase price of the property and the mortgage amount required. Followed by a Variable Rate, currently* 4.60%: Initial interest rate period* 2 Years fixed rate until 28.02.23: Overall cost for comparison (APRC)* 4.4%. A maximum Buy to Let lending limit applies, and other fees and charges may be payable including legal fees and charges applied by your existing lender. Interest only mortgages have become a popular choice amongst investors in the property industry, mainly due to the enticing lower monthly repayments. Use our calculator to check your buy-to-let eligibility and affordability, and then call us or visit a branch to book an appointment with a mortgage adviser. With rental property in high demand in many parts of the UK, the buy to let market has been growing significantly in recent years. If you started a mortgage application over the phone or online, you can log on to complete it or track its progress. Rental income must cover 145% of mortgage repayments, or 125% if you’re remortgaging and don’t require additional borrowing. Here are things to consider with a buy to let mortgage: The loan-to-value (LTV) generally needs to be lower than 85% You'll need to have a deposit of at least 25% and we have a maximum lending limit. Calls may be monitored and recorded. Mortgages for Business Ltd is authorised and regulated by the Finance Conduct Authority (No. Think carefully before securing other debts against your home. If you started a mortgage application over the phone or online, you can log on to complete it or track its progress. Where this is a Buy-to-Let fixed rate, this will move to the HSBC Buy-to-Let Standard Variable Rate. The calculator is designed to give you an accurate projection of the amount we may be able to lend to your customer. Your property may be repossessed if you do not keep up repayments on your mortgage . Our contact centres are extremely busy at the moment, please don’t call us unless it’s urgent. Please note, this calculator displays results for residential lending purposes only and should not be used to indicate how much we may be able to lend on a Buy to let mortgage. This buy to let mortgage calculator is designed to give you a quick idea of the likely mortgage amount you can borrow based on rental income coming in, however this amount is subject to lots of different things such as your credit history, monthly outgoings and deposit. Manage your HSBC mortgage . For example, you invest in £50,000 as a deposit for your buy-to-let mortgage and spend £10,000 in renovations. With a great range of mortgages offering competitive interest rates, you'll find the right mortgage for you with HSBC. A maximum buy-to-let lending limit applies. Remarks. Buy-to-let mortgages require a larger deposit to provide confidence to the lender. Where this is a Buy-to-Let fixed rate, this will move to the HSBC Buy-to-Let Standard Variable Rate. See our help and support pages for guidance and to find out what you can do through online and mobile banking. If you plan to rent out a new property, most lenders will prefer you not to finance your purchase with a standard residential mortgage. If you're investing in property you want the backing of a lender who has strong market position and plenty of experience – HSBC's Buy to Let mortgages could be the answer. As with any investment, you need to understand the risks as well as any potential upside. Calculate your buy to let mortgage payments… The monthly repayments of buy to let mortgages can vary greatly, as can the total amount you repay – our panel of lenders will help you get the lowest costs in order to maximise your income. HSBC is a public limited company regulated by the Malta Financial Services Authority and licensed to carry out the business of banking in terms of the Banking Act (Cap.371 of the Laws of Malta). For Buy to Let HomeOwner Loans/further advances, the minimum loan is £10,000. Applying for a mortgage involves two stages, firstly getting a Decision in Principle; secondly making a mortgage application. To apply for our Buy to Let mortgages, you'll need to meet our eligibility criteria: Our maximum borrowing limits take into account your total Buy to Let borrowing across all lenders and is subject to our maximum Buy to Let lending limits. Mortgage and home equity products are offered in the U.S. by HSBC Bank USA, N.A. Our Mortgage Calculator Will Give You The Best Competitive Mortgage Rate. We're a free mortgage broker, here to make getting your buy-to-let mortgage simple. The accuracy of this calculator and its applicability to your circumstances is not guaranteed. 313537) to transact regulated mortgages. A quick overview of Buy to Let mortgages: Long term investment - finding that first property to rent out or expanding your rental property portfolio could be a worthwhile investment in the longer term, but it's not risk free. Approved and issued by HSBC Bank Malta p.l.c, (116, Archbishop Street, Valletta VLT 1444). HSBC Fixed Term Tracker rates are variable and set at a fixed margin above the Bank of England Base Rate for the defined period, when this period ends, your mortgage interest rate will move to the HSBC Standard Variable Rate. HSBC Buy To Let Mortgages Call HSBC Buy To Let team FREE on 0808 271 8482 to find out how much you could borrow. Whether you're starting or expanding your property portfolio, our Buy to Let mortgages are available up to 75% loan to value. Step 3 Calculate your results. Borrow 5.25 times your salary (criteria apply) 90% Loan to Value (LTV) available Thank you for your continued loyalty and banking with us in 2020. All rights reserved, We could help you whether you're starting or expanding your portfolio. APRC. † Lines open Monday to Saturday 8am - 8pm, Sunday 9am - 6pm. How do you use the calculator? Buy-to-let mortgages work a little differently from standard residential ones. We’re sorry we can’t accept mortgage applications over 85% Loan to Value at the moment. Talk to us directly through our chat channels. Any Questions Call Our Expert Team On ☎ +44 (0) 161 871 1216 1 If the loan is repaid early then an early repayment charge will be payable.. 2 These options must be agreed at the start of the loan. If you're a HSBC Expat Premier customer, who is looking to buy or refinance a buy-to-let property, our capital repayment or interest only mortgages could be the answer. Using a buy to let mortgage calculator can help you compare a wide range of buy to let mortgage options, whether you are a seasoned landlord with a property portfolio or just starting out in the world of residential letting. Use our interactive tool to see how much you could borrow with HSBC. Our calculator helps you to understand the benefits of our Buy to Let proposition, and shows the options available to your customer to help them get the loan size they want and to maximise their investment opportunity. For a decision on a Buy to let mortgage, please select 'How to Apply' or call us on 0800 028 3844. This website uses cookies to establish a secured connection and to present you with targeted advertising. The calculator is designed to give you an accurate projection of the amount we may be able to lend to your customer. This is because of the very high demand we’re experiencing during the COVID-19 outbreak. HSBC cannot provide tax advice and it is recommended that you speak to a tax expert. HSBC Group  |   © Copyright HSBC Group 2002-2020. a student let, All Buy to Let mortgages are subject to underwriting and lending criteria that may be varied from time to time, Additional borrowing is available to existing HSBC Buy to Let mortgage holders looking to borrow more on their existing rental property, however total lending must not exceed 75% loan to value (except for additional borrowing taken for debt consolidation purposes. Applying for a mortgage involves two stages, firstly getting a Decision in Principle; secondly making a mortgage application. Opening hours within the mortgage departments may vary. Buy to Let calculator: how much could your customer borrow? Whether you're a first time buyer, an existing homeowner looking for a better mortgage deal or are investing in a buy to let, we're here to help. You pay £350 per month for your buy-to-let mortgage and receive £860 in rental income. Buy-to-let mortgage calculator See how much you could borrow for a buy-to-let mortgage, and what your monthly payments would be. Think carefully before securing other debts against your home. For Buy to Let mortgages and HomeOwner Loans/further advances (for non-debt consolidation purposes), the maximum loan amount is restricted by the following LTVs (interest only and capital repayment): Opening hours within the mortgage departments may vary. Calculate your mortgage payments with HSBC Canada. Follow HSBC UK on Facebook This link will open in a new window, Follow HSBC UK on Twitter This link will open in a new window, Follow HSBC UK on YouTube This link will open in a new window, Our website doesn't support your browser so please upgrade, View our service status to see how we're doing, Careers, media, investor and corporate information. Mortgage An arrangement and/or a booking fee may be charged when a mortgage is taken out. 1 If the loan is repaid early then an early repayment charge will be payable.. 2 These options must be agreed at the start of the loan. The affordability of a Buy to Let mortgage will be assessed from the property's rental income. Our website doesn't support your browser so please upgrade. Residential mortgages are provided by HSBC UK while buy-to-let mortgages are through either HSBC Expat or HSBC UK. 1 Hong Kong Interbank Offered Rate (HIBOR) as at any date means the Hong Kong Interbank Offered Rate for the interest period of 1 month for Hong Kong Dollars quoted by The Hongkong and Shanghai Banking Corporation Limited at or about 11:00 a.m. (Hong Kong time) on such date. With a great range of mortgages offering competitive interest rates, you'll find the right mortgage for you with HSBC. For example, if the monthly payment is £100 (100%), the monthly rental income must be at least £145 (145%). Your net annual cash flow … For more information we have pulled together a buy-to-let guide. Additional borrowing is available to existing HSBC Buy to Let mortgage holders looking to borrow more on their existing rental property, however total lending must not exceed 75% loan to value (except for additional borrowing taken for debt consolidation purposes. from buying to let. The rent must be at least 145% of the mortgage payment, using an interest rate that takes into account the possibility of future interest rate rises. Your total cash invested in £60,000. Whether you're a first time buyer, an existing homeowner looking for a better mortgage deal or are investing in a buy to let, we're here to help. You should obtain personal advice from qualified professionals. BTL Affordability Calculator; Key Information Only Landlords with 10 or less Buy to Let / Consent to Let properties (mortgaged or unencumbered) will be considered for a mortgage Small Landlord 3 or less Buy to Let or Consent to Let mortgaged properties (including this application) Your property may be repossessed if you do not keep up repayments on your mortgage . This is known as the interest coverage ratio (ICR), and is stressed at a product rate of 2% (5% for five year fixed) or a nominal rate of 5.5%, whichever is higher. HSBC Group  |   © Copyright HSBC Group 2002-2020. With let to buy mortgages, you are basically remortgaging your existing home to a buy to let mortgage and withdrawing the equity to use as a deposit on a new residential property that you intend to move to. Buy to let mortgage calculator. It’s easy to get in touch online. Talk to us directly through our chat channels. Taking a capital repayment holiday or deferring loan repayments will increase the total interest charged and the total amount payable over the full term of the loan. and are only available … The maximum borrowing amount for this is £50,000 with a maximum 60% loan to value) If your property of interest is located in Australia, Canada, mainland China, France, Hong Kong SAR, India, Malaysia, New Zealand, Singapore, UAE or the US, you may leave your details on our quick form. HSBC Fixed Term Tracker rates are variable and set at a fixed margin above the Bank of England Base Rate for the defined period, when this period ends, your mortgage interest rate will move to the HSBC Standard Variable Rate. A Portfolio Landlord is a person (or persons in the case of a joint mortgage) with four or more buy to let mortgaged properties in total at the end of the application. Maximum loan. Buy to Let mortgages are available to both existing and non-HSBC customers, providing we do not consider them to be a professional/portfolio landlord. We hope 2021 will be your year. Ready to apply for an overseas mortgage? Mortgage: 2 Year Fixed Standard Buy To Let: Initial interest rate* 1.69%. Ready to explore mortgages? This calculator allows you to compare our mortgage options to help you decide which one may be right for you. Please contact your BDM with any queries you have. Our Buy to Let mortgages are available at up to 75% loan to value (LTV). Buy-to-let mortgage rates are calculated on your loan-to-value (LTV) and the duration of the mortgage deal. Booking fee* £1999: Annual overpayment allowance* 10%: Maximum loan amount: £ 2,000,000 How to apply: Mortgage: 5 Year Fixed Fee Saver Step 2 Tell us about your finances. Our website doesn't support your browser so please upgrade. Usually, the cheapest buy-to-let mortgages are those with the lowest LTV of 60% and shorter deal terms (avoiding the lender’s standard variable rate). Like any investment, you need to understand the risks as well as any potential upside. Also see you much you could save if you make an overpayment . Buy-to-let mortgages allow you to invest in the property market by purchasing homes in the UK to rent to tenants. Our mortgage calculators will help you understand what your mortgage may cost. It’s easy to get in touch online. The repayments calculator helps you to work out how much your monthly payments could be. This way we can help to ensure the loan is affordable now and in the future. Please note: the affordability calculator will not accurately support additional borrowing requests or multiple mortgage terms at this time. Mortgages for Business Ltd is a founding member of the National Association of Commercial Finance Brokers, the body that promotes best practice within the commercial finance industry. Taking a capital repayment holiday or deferring loan repayments will increase the total interest charged and the total amount payable over the full term of the loan. Our contact centres are extremely busy at the moment, please don’t call us unless it’s urgent. Our buy to let factsheet (PDF) helps to outline this for you. We have a range of calculators to help make things simpler for you, from finding a mortgage to calculating the impact of an interest rate change on your repayments. Please note, this calculator displays results for residential lending purposes only and should not be used to indicate how much we may be able to lend on a Buy to let mortgage. Different mortgage providers will vary, but the typical deposit amounts will start at 20% of the property’s value, which is double the usual deposit for a residential mortgage. ... Buy to let mortgage . We offer mortgages through HSBC Expat and HSBC UK. Use our mortgage calculators to find out how much you could borrow and find a mortgage to suit you. Step 1 Tell us what you want. Busy at the moment, please select 'How to Apply ' or call us unless it ’ s to! The FCA does not regulate some investment mortgage contracts or multiple mortgage at! To find out what you can do through online and mobile banking budget calculator can help you and... People who Buy property as a deposit for your buy-to-let mortgage and equity! Your continued loyalty and banking with us in 2020 you invest in £50,000 as a deposit for buy-to-let. The buy to let mortgage calculator hsbc of paying a mortgage involves two stages, firstly getting a Decision in Principle ; making! 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