Buy-to-let mortgages with HSBC Expat - Mortgage payment options


HSBC offer two ways of paying back your mortgage; capital repayment and interest only. You can choose from these two methods, according to your own personal circumstances.

Capital Repayment

With a capital repayment mortgage your monthly payment covers the interest charged on your mortgage and it also reduces the outstanding balance each month in line with the repayment term selected. With this type of mortgage you can ensure your mortgage is fully paid at the end of the mortgage term.

What you get with a capital repayment mortgage:

  • Interest and capital repaid - your monthly payment covers the interest and also reduces the total outstanding balance
  • Security - providing all payments are made, your mortgage will be repaid in full at the end of the agreed mortgage term

Interest Only

With an interest only mortgage your monthly payment only covers the interest charged on your mortgage. You are responsible for making your own arrangements to repay your mortgage at the end of the mortgage term. You must demonstrate that you have an acceptable repayment vehicle in place, for example you may choose to use an endowment policy, another investment or savings plan.

What you get with an interest only mortgage:

  • Interest only - your monthly payment only covers the interest and the original capital amount borrowed remains outstanding throughout the term of the mortgage
  • Lower monthly payments - because you are not repaying the capital, your monthly payments will be lower than with a capital repayment mortgage

Your property may be repossessed if you do not keep up repayments on your mortgage.


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Got a question?

HSBC Expat Premier customers
call us on +44 1534 616 081
HSBC Expat Advance customers
call us on +44 1534 616 082
New to HSBC Expat
call us on +44 1534 616 141

We are open 24/7. Calls may be monitored and/or recorded for security and service improvement purposes.

Got a question?

HSBC Expat Premier customers
call us on +44 1534 616 081
HSBC Expat Advance customers
call us on +44 1534 616 082
New to HSBC Expat
call us on +44 1534 616 141

We are open 24/7. Calls may be monitored and/or recorded for security and service improvement purposes.