HSBC - We’ve improved our service proposition
08 December 2025
We’ve improved our service proposition
From today, Monday 8th December, we have made the following improvements to our service proposition:
- A notification will be issued to you confirming the date of:
- Physical Valuations
- Completion date
- Product / Rate switches completion
- Student loan expenditure – a separate field has been added within the application to capture Student Loan costs
- DIP certificates will now automatically be generated for provisionally accepted applications.
We’ve updated our residential lending policy
We’ve made the following changes to our residential lending policy:
Limited Liability Partnerships (LLPs)
We’ve reduced the threshold on large LLPs to be 50 or more partners.
Employed income
Where a customer has started or will be starting with a new employer, within 3 months of applying for a mortgage, we will use the customer’s current salary (unless future salary is lower), except if they can provide their first payslip in the new role.
Variable income
When assessing affordability, we will now use the customer’s annual bonus from a previous employer in the calculation, as long as the customer is still in the same type of employment, and the latest bonus must be from their current employer.
For full details of the above changes please visit our Broker website.
Current Service Levels
Please note, our Service Levels are now updated daily on the broker website. Before contacting our Broker Support Team for a case update, please check the case tracking facility and the messages section on our broker portal.
Need any help
Use Chat with us or call our Broker Support Team on 0345 600 5847 (Monday to Friday, 9am to 5pm) or contact your local BDM.
HSBC UK
For Intermediary use only.
