A loan tailored to an expat's needs

If you're a Premier customer with a minimum relationship balance of GBP 500,000, you may be able to get a secured loan of GBP 50,0001 or more through our tailored lending service. You could use the loan for whatever purpose you need it for. It could save you cashing in an investment early or converting your savings from another country into local currency when there's a low exchange rate. If you're buying a home, a secured loan could be an alternative to an overseas mortgage.

What you'll get with this loan

  • Choice of currencies
    Includes GBP, EUR, USD and HKD.
  • Repayment options
    Interest only or capital repayment.
  • Flexible lending terms
    Schedule your repayments around bonuses and other income.
  • Variable interest rate
    Linked to the currency base rate.

What you need to know

Loan security

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.

Interest rates

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.

Representative example

Loan amount

GBP 100,000

Security

Cash

Repayment term

5 years (60 months)

Representative interest rate

3.75% (3% over the Bank of England base rate2)

Monthly repayments

GBP 1,858.76 for 60 months

Total amount to repay

GBP 111,525.60

Fees

Fees are applied for arrangement, renewal and security.
Type of fee Cost
Arrangement fee 1% (up to a maximum of GBP 2,000 or currency equivalent)
Renewal fee 0.5%
Cash security fee GBP 401
Investment or shares security fee GBP 751 (plus GBP 15 per additional share certificate)
Fees are applied for arrangement, renewal and security.
Type of fee Arrangement fee
Cost 1% (up to a maximum of GBP 2,000 or currency equivalent)
Type of fee Renewal fee
Cost 0.5%
Type of fee Cash security fee
Cost GBP 401
Type of fee Investment or shares security fee
Cost GBP 751 (plus GBP 15 per additional share certificate)

Eligibility

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.

Apply by phone

Premier customers

Call your Relationship Manager to discuss how to apply for a secured loan.

+44 1534 616 313

Advance customers4

If you meet the eligibility criteria for a secured loan, call us to find out about upgrading to Premier.

+44 1534 616 212

New to HSBC Expat

Call us if you'd like to find out how to apply for an HSBC Expat Bank Account.

+44 1534 616 055

Lines are open 24 hours a day. We may monitor and record calls to help us improve our service and for security purposes.
To find out how we use your personal information view our Privacy Notice.

1Or the currency equivalent.
2The Bank of England base rate as of 11/03/19 is 0.75%. The rate is subject to change.
3Subject to status.
4We no longer offer Advance to new customers.

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