HSBC US international mortgage: Rates, requirements and more in [2026]
HSBC is a global financial service provider with operations in the US and many other countries globally. You can take out an HSBC US international mortgage if you want to buy a US property from abroad, or you might be able to arrange a mortgage from HSBC’s international banking division if you’re thinking of buying properties in other countries.
Arranging an international mortgage doesn’t usually work in the same way as getting a home loan for a property in your country of residence. The costs, options and eligibility requirements can be quite different.
This guide covers all you need to know about HSBC US international mortgage options – plus we touch on how Wise can help when sending high value payments abroad, with mid-market rates and automatic fee discounts on larger payments.
Table of Contents
- Understanding international mortgages 🏡🌎
- Does HSBC US offer international mortgages? 🤔
- Eligibility requirements for HSBC US international mortgage
- How to apply for an international mortgage with HSBC US
- Fees and costs involved 💰
- ➡️ Sending large amounts of money abroad? Check out Wise. 🌎
- ⭐ Advantages of HSBC US international mortgage
Understanding international mortgages
An international mortgage is a mortgage you take out to buy a property in a country other than the one you live in.
You might find that it makes sense to buy a home abroad, using an international mortgage for a number of reasons. People taking out an international mortgage with HSBC may want a foreign property:
- As a home if they need to relocate for work
- As a long term rental investment
- To use as a vacation home
- For a family member who is relocating for study
Getting a mortgage for a property in a different country to the one you live in can be harder than getting a local mortgage. That’s because banks and mortgage providers may consider international buyers to be higher risk than a local resident.
This can often mean that there are strict eligibility requirements to get an overseas mortgage, with higher costs and interest applied.
Does HSBC US offer international mortgages?
Yes. You can get mortgages for US properties, for non-resident or foreign applicants through HSBC US.
You can also apply for HSBC mortgages for non-residents in a selection of countries through HSBC International which is the HSBC dedicated division for expats and non-residents.
🌍 If you’re eligible you can get a mortgage for properties in countries including the United Kingdom, Australia, China, India and the UAE.
There are quite strict eligibility and documentation requirements to get an HSBC international mortgage either through HSBC US or the international banking division.
We’ll cover all the basics you need to know in this guide, but as many services are tailored to individual needs you might also benefit from calling the service team directly to talk through your requirements.
💡 Key features
- Eligibility: HSBC restricts access to international mortgages based on income, residence and other factors
- Countries served: HSBC US has international mortgages allowing non-residents to buy US properties, and the HSBC International service supports purchases in 9 major countries including the UK, Australia and the UAE.
- Mortgage types: HSBC US offers international borrowers 4 different mortgage types, international services support both residential and investment purchases
- Rates: Fixed rate and adjustable rate mortgages (ARM) available
- Value: HSBC international mortgages could be offered up to 5 million dollars subject to meeting eligibility requirements
- Downpayment: Variable – for example the HSBC US Preferred Mortgage requires a 20% downpayment on mortgages up to 2 million USD
Eligibility requirements for HSBC US international mortgage
The process to buy a property in the US may be quite different to in your home country. As a non-resident or foreign buyer you might also find that there are additional requirements to get your mortgage all arranged.
HSBC International offers mortgages for various countries, but to find out if you’re eligible you’ll need to complete an online form and request a call back to talk through your needs.
📌 To apply for an international mortgage from HSBC US you’ll need to meet eligibility criteria and provide documents including the following:
- Your passport
- Proof of income and assets
- Employer information and contact details
- A strong credit history which can be from your home country
Eligibility criteria can vary depending on the specific mortgage you would like to get with HSBC US. For example, with the Preferred mortgage you must have a balance with HSBC of between 25,000 USD and 75,000 USD.
There are also restrictions on the type and location of the property you’re applying for, which we’ll look at next.
Property types covered
HSBC US might have restrictions on different properties you can buy depending on the mortgage you select. Maximum borrowing amounts vary according to mortgage type and there may also be limits on the US states you can choose to buy in.
💡 Generally HSBC mortgages are available for 1-4 unit, attached or detached properties which could be primary residences, second homes, or investment properties. Financing available in all US states except AK and WV, with no availability of ARMs in RI.
⚠️ Different rules may apply if you choose to buy property through HSBC International.
🌍 Countries for HSBC US international mortgage
HSBC supports people buying properties in most of the US, and in a selection of other countries if you apply through the HSBC International division rather than the US dedicated service.
Here’s a quick summary:
| 📌 HSBC US international mortgage countries 🌐 | |
|---|---|
| 🇺🇸 United States | Apply with an HSBC US mortgage, available to non residents and new arrivals in the US |
| 🇬🇧 United Kingdom, 🇦🇺 Australia, 🇺🇸 United States, 🇨🇳 Mainland China, 🇭🇰 Hong Kong SAR, 🇮🇳 India, 🇲🇾 Malaysia, 🇸🇬 Singapore, 🇦🇪 United Arab Emirates | Apply through HSBC International – different eligibility criteria apply based on location and employment status |
How to apply for an international mortgage with HSBC US
Getting an international mortgage may work differently to applying for a mortgage to buy a property in the country you already live in. If you’re buying a home somewhere other than the US you can complete a contact form on the HSBC International website to request a callback to talk through your requirements and see if a mortgage may be available for you.
If you want to apply for an international mortgage with HSBC US you’ll need to follow these steps:
➡️ Step 1: Check eligibility 📌
Confirm you’re able to apply for an international mortgage with HSBC US based on the property value and location, as well as your residency, income and available downpayment.
➡️ Step 2: Gather your supporting documents 📂
Use the HSBC US international mortgage checklist to gather all the needed paperwork which can include:
- Your passport
- Proof of address for the previous 2 years
- Details of any properties you own
- Proof of income
- An employer contact (HR department for example)
- 30 days of bank statements
You may also need to undergo credit checks in the US or your country of residence depending on the situation.
➡️ Step 3: Call the bank to talk through next steps 📞
To agree how to proceed your application you’ll need to speak to someone at the bank in person. Here are the HSBC mortgage advisor numbers to call:
- Call from the US – 844.472.2684
- Call from overseas – 716.841.6820
Fees and costs involved
Buying a home is always expensive – but unexpected costs are especially common when you’re dealing with overseas properties and an unfamiliar purchase process.
Here are a few important fees and costs often involved in taking out an international mortgage with a provider like HSBC US:
| 💡 Important fees and other costs to know: | |
|---|---|
| Appraisal and inspection fees | These costs can depend on the home’s value and location among other factors |
| Closing costs | HSBC suggests this may be 2% – 5% of the home’s value |
| Private Mortgage Insurance | May be required as a condition of your mortgage with HSBC |
| Interest | While rates vary, you’ll always find there are interest fees to pay when you take out a home loan, which can be substantial over the term of the mortgage |
| Currency conversion costs | Finally, when paying your mortgage and deposit from abroad, currency conversion costs can mount up, adding 3% – 5% to each repayment if you send a bank transfer. Wise can help – read on to learn how. |
If you’re thinking of buying a property abroad, you’ll need smart ways to send payments across currencies, for your downpayment, fees and regular repayments after closing.
⚠️ Sending money abroad with a bank might mean that you pay fees of 3% – 5% which are added into the exchange rate used for currency conversion. This is in addition to the transfer fee and any third party costs incurred.
All in all, that can mean that sending money internationally for your home payments can cost more than you expect.
🌎 Sending large amounts of money abroad? Check out Wise. 💰
💡 Before you start to send money for your new international mortgage, check out Wise for low cost high value international money transfers when buying a home overseas. ⬅️
- Send money internationally: You can send money in 40+ currencies to 140+ countries, often quickly or even instantly
- Favorable exchange rates, low conversion fees: Wise currency conversion uses the mid-market rate, with low transparent fees
- Fees are discounted for higher amounts: Automatic fee discounts apply when sending high value payments
- Dedicated support team: Large transfers have a dedicated customer support team – and there’s 24/7 customer support in English through the Wise app – to make sure your payment is hassle free
- Online service: Wise is a digital first provider with high level security including 24 hour automatic and manual anti-fraud protections
Wise is a regulated provider which offers services in many countries and territories globally – services and fees can vary depending on your residence, so do check the Wise website for your local area to get all the most important details.
Learn more on Wise large transfer fee discounts here.
📌📚 You can also check out our guide: How to send large amounts of money internationally with Wise 🌍
⭐ Advantages of HSBC US international mortgage
- Available for US non-residents and new arrivals: HSBC can use foreign credit history to assess your suitability for a loan, which is not always an option for newcomers or non-residents
- Buy in 9 major countries through HSBC International: if you’re thinking of buying a property in a country other than the US, you can also turn to the HSBC international division which supports mortgages in countries like the UK, Australia, Singapore and the UAE
- Variable values and downpayment amounts available: HSBC US has 4 different mortgage options with differing maximum value, which usually allow you to make a 20% downpayment or more
- Get a fixed rate mortgage or an adjustable rate mortgage (ARM): choose different mortgage structures to suit your preferences and payment needs
Conclusion: Can you get an international mortgage with HSBC US?
Yes. You can get an international mortgage with HSBC US. If you’re buying a place in the US as a non-resident or new arrival you might be eligible for one of four different mortgages from HSBC US. Or if you’re thinking of buying a property in a different country you could check out HSBC International overseas mortgages for loans on properties in places like the UK, Australia, China, India or the UAE.
Eligibility criteria apply to all HSBC international mortgages which means you’ll need to check through the details carefully before you apply.
While you’re thinking about the best international mortgage for your needs, remember to also take a look at Wise to help reduce the costs of sending money overseas for your mortgage downpayment, fees and regular repayments.
Useful resources
Information last checked 21st January 2026.
- HSBC US – landing page for mortgages for US properties, for non-resident or foreign applicants
- HSBC International – range of overseas services from HSBC US
- HSBC International overseas mortgages – HSBC mortgages for non-residents in a selection of countries**
