HSBC are a great lender with some really good interest rates, can't really fault them
Hence why they are very busy so expect them to take a while for you to make an appointment to see the HSBC Mortgage Advisor for a HSBC Mortgage.
HSBC advisors are not allowed to tell you anything prior to your mortgage appointment, and to get access to an adviser in branch can take many weeks
The individual relationship with the High Street bank manager has gone and the bank manager is in no position to make a decision based upon merit at his discretion.
If the computer says no then the answer is a generally no, not just for HSBC, but for most lenders, so the idea that you have a well functioning account on its own will not get you the borrowing you need.
If you are a premier customer of HSBC, then you will not get judged based upon the merit of your account to lend to you, you need to meet the lenders affordability assessment, this is where the difficult part comes in, you need a whole of market independent mortgage broker like us, who can ensure you get the best possible advice and guidance.
Please use our calculator below to calculate how much you could potentially borrow as a contractor.
Feel free to contact us and we will be more than happy to talk through your options, free of charge.
