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Buying a property abroad

If you're moving abroad to work or live, you'll probably rent for a while, but after a few years you may decide to apply for a mortgage so you can buy a home or invest in a rental property there.

When you start looking for a loan, your options may be limited as most expat mortgages exclude non-UK properties. If you're an HSBC Expat Premier customer with assets back home, there is an option you may not be aware of.

Secure a loan against your UK assets

The option is an interest only or capital repayment loan through HSBC Expat, which is secured against cash, shares, investments or life investment policies you hold in the UK.

It could be suitable if you want to avoid cashing in your investments, shares or savings early and paying a penalty. It could also save you worrying about foreign exchange rates as the loan can be in a different currency to the asset it's secured against.

Loan example

You're a British expat living in Paris and you'd like to buy a property there, but your savings are in GBP. You don't want to convert your savings as the exchange rate isn't favourable at the moment. To fund the purchase, you could take out a loan in EUR that's secured against the savings you have in GBP.


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 50,0001 or more. To be eligible, you must hold HSBC Expat accounts and investments with a minimum relationship balance of GBP 500,000.1

The maximum age at the end of the loan term for a capital repayment plan is 75.2 For joint applications it's the age of the oldest applicant.

1Or the currency equivalent.
Subject to status.

Find out about our lending services


Find out how a secured loan could help you buy a property abroad.


Invest in a property in the UK to rent out to tenants.

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