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Earn between £200 & £600 cashback when you join HSBC Expat. Eligibility & T&Cs apply

Expat Mortgages and lending

Multicurrency lending and borrowing tailored to expats

Mortgages and loans for expats

We can help you make the most of your money with our award-winning international banking services, including buy to let mortgages, unsecured or secured loans and foreign currency lending.

How we can help you

  • Expat buy-to-let mortgages for UK properties

    Invest in the UK property market by purchasing a rental property

  • International mortgage connections

    With teams all over the world we can help connect you for your next purchase

  • Credit cards in GBP and charge cards in USD or EUR

    Choose the rewards, and currency to suit your lifestyle.

  • Current account available in GBP, USD and EUR

    Keep your account in one place while you focus on expat life.

Opening a bank account with HSBC Expat

To benefit from our international mortgages and lending products, you’ll need to open an HSBC Expat Bank Account. Our account stays with you no matter how many times you move, so you can easily manage your global finances from one account.

  • Join HSBC Expat and earn £200 when you fund between £50,000 and £249,999 or; £400 when you fund between £250,000 and £499,999 or; £600 when you fund at least £500,000 (or currency equivalents) and register for online banking within 90 days. Eligibility criteria & Terms and conditions apply. Offer ends 31 October.

  • Get 0.5% cashback on new advised investments under GBP 500,000 (or currency equivalent) taken out within 90 days of joining HSBC Expat. Terms and conditions apply. Offer ends 31 October.

  • For a limited time you can enjoy USD 1.25%, GBP/HKD/AED 1.00% AER/Gross when you open our 3 month Savings Booster account. Terms and conditions apply (PDF)

  • Multicurrency savings accounts in Australian dollar, US dollar, Hong Kong dollar, United Arab Emirates dirham, and 15 other currencies

  • Complimentary travel security services from Crisis24

  • HSBC Expat FX App to make informed forex transactions

  • Phone, online banking and mobile app

  • A relationship manager to help you and your family manage your money

  • International offices based in Jersey (Channel Islands) and Hong Kong


New HSBC Expat customers must be 18 years or over and meet one of these criteria. 
You must either:
  • hold a minimum of £50,000 (or currency equivalent) with us or
  • have a sole salary of £100,000 (or currency equivalent) or
  • have already qualified for HSBC Premier in another country

And you must currently reside or be situated in an eligible country or region.

If you do not qualify for an HSBC Expat account, but still need an account in another country you may be interested in HSBC International Services.

Banking in an offshore jurisdiction

Your HSBC Expat Bank Account will be held in Jersey, Channel Islands, a secure offshore jurisdiction and one of the world's leading and best-regulated international finance centres as recognised by the Organisation for Economic Cooperation and Development (OECD).

We may not be able to offer accounts in every country or region.1

1 HSBC Expat products and services are available only in jurisdictions where and when they may be lawfully offered by us. The material on these pages is not intended for use by persons located in or resident in jurisdictions which restrict the distribution of this material by us. Persons accessing these pages are required to inform themselves about any relevant restrictions and observe them. Not all products or services mentioned on this website will be available to residents of all countries, due to HSBC Policy.

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

You should always think carefully before purchasing a buy-to-let property. The value of a property is a matter of opinion and not a matter of fact, not all properties will grow in value or provide sufficient income to cover all your associated costs. You will be responsible for your costs even if you do not have a tenant. Property can also be difficult to sell and you may not be able to sell quickly if you need to do so.

You might be interested in


Planning to buy a property? We've a wide range of mortgages to choose from.


Choose from our range of credit and charge cards. Our Premier card brings you a world of benefits and privileges for no annual fee. 

Listening to what you have to say about services matters to us. It's easy to share your ideas, stay informed and join the conversation.