Secure you loan against your investments

It can be difficult getting a secured loan if you’re an expat and your investments aren't held in the same country. But if you're a Premier customer who has investments elsewhere, you may be able to apply for a loan in a different currency to that of your investments1.

Pay off your loan when your investments mature

A loan could be suitable if you want to avoid cashing in your investments early and paying a penalty. Instead, you could secure a loan against your investments and leave them untouched2. You could set the loan term to coincide with the date your investments mature and pay off the loan in full then.

Loan example

You're a British expat in Hong Kong and you need HKD 650,000 to pay for your child's school fees. You have HKD 100,000 available in cash to put towards the fees and the sterling equivalent of HKD 550,000 in an investment in the UK. The investment is in the 3rd year of a 5 year minimum term.

You don't want to cash in your investment before it matures and pay a penalty, so instead apply for an interest only loan for HKD 550,000 which is secured against the investment. You set the loan term to coincide with the end of the investment term and pay off the balance of the loan.


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 50,0003 or more. To be eligible, you must hold HSBC Expat accounts and investments with a minimum relationship balance of GBP 500,0003.

The maximum age at the end of the loan term for a capital repayment plan is 754. For joint applications it's the age of the oldest applicant.

This product may not be available in all countries.

Further information

Find out more about the secured loan we offer.

Apply by phone

Premier customers

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

+44 1534 616 313

Advance customers5

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. For information on how we use your personal information view our Privacy Notice.

1Changes in the exchange rate could also increase the sterling equivalent of your debt.
2The security may be realised if you do not keep up with the repayments on your loan.
3Or the currency equivalent.
4Subject to status.
5We no longer offer HSBC Advance to new customers.

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