A loan tailored to an expat's needs
What you'll get with this loan
- Choice of currencies
Includes GBP, EUR, USD and HKD.
- Repayment optionsInterest only or capital repayment.
- Flexible lending termsSchedule your repayments around bonuses and other income.
- Variable interest rateLinked to the currency base rate.
What you need to know
The loan is secured against cash, shares, investments or life investment policies you hold in another country. The security may be realised if you don't keep up with the repayments on your loan.
Currency exchange rate
Changes in the exchange rate may increase the sterling equivalent of your debt.
The interest you pay depends on the security you provide and the currency base rate. The rate will be above the base rate by:
- 3% for cash
- 4% for investments or life investment policies
- 5% for shares held in a certified form
These rates are subject to change.
5 years (60 months)
Representative interest rate
3.10% (3% over the Bank of England base rate2)
GBP 1,801.60 for 60 months
Total amount to repay
|Type of fee||Cost|
|Arrangement fee||1% (up to a maximum of GBP 2,000 or currency equivalent)|
|Cash security fee||GBP 401|
|Investment or shares security fee||GBP 751 (plus GBP 15 per additional share certificate)|
|Type of fee||Arrangement fee|
|Cost||1% (up to a maximum of GBP 2,000 or currency equivalent)|
|Type of fee||Renewal fee|
|Type of fee||Cash security fee|
|Type of fee||Investment or shares security fee|
|Cost||GBP 751 (plus GBP 15 per additional share certificate)|
If you're a new or an existing Premier customer and you're aged 18 or over, you can apply for a loan of GBP 50,0002 or more. To be eligible, you must hold HSBC Expat accounts and investments with a minimum relationship balance of GBP 500,0001.
The maximum age at the end of the term for a capital repayment plan is 753. For joint applications it's the age of the oldest applicant.
This product may not be available in all countries.
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