International mortgages

Overseas mortgage applications will be processed by and subject to the approval of the overseas HSBC group entity responsible for the areas in which the property is located. You can apply through our IBC in Hong Kong if you're at least 18 years old and a resident of one of our approved countries or regions. You may need a minimum balance in your accounts to be eligible, and there may be a maximum age at the end of the loan term.

You don't have to be an existing HSBC personal banking or HSBC Premier customer to get an overseas mortgage in every country or territory. Subject to meeting eligibility criteria, applicants can get HSBC Premier status, which provides access to a Relationship Manager to facilitate the process.

HSBC Global Private Banking, HSBC Premier Elite and HSBC Premier customers may contact their Relationship Manager or our partner directly for exclusive overseas property consultation services.

Step 1: Book an appointment

You can enquire about an overseas mortgage by phone, email or online. Our IBC staff will then get in touch with you to discuss your application.

Step 2: Check if you're eligible

We'll show you the application requirements and what documents you'll need to apply for a mortgage in your destination market.

Step 3: Connect with mortgage specialist

We'll refer you to an overseas specialist in the country or region where you'd like a mortgage.

Step 4: Receive mortgage approval

Our overseas specialist will be in touch upon receipt of the referral. Mortgage approval and the final offer is a decision made by the destination market.

Document requirements for an overseas mortgage vary for each country and region. You'll typically need to provide:

• the government-issued ID card or passports of all borrowers
• repayment records from your existing bank (if applicable)
• the repayment schedule for your existing mortgage
• proof of address for all borrowers
• bank statements showing your salary deposits
• proof of employment

Depending on your personal circumstances, additional documents may also be requested.

We don't act as agent of the overseas bank but we can refer you to the overseas mortgage specialists for further enquiries.

Some overseas markets may charge you other fees, such as booking and completion fees, subject to local requirements and regulations. Contact our overseas mortgage specialists through our IBC for more information on overseas mortgage rates and fees.