HSBC Mortgage in the UAE
HSBC home loan rates, eligibility & calculator — with 14-bank guide coverage and no client brokerage fee.
HSBC is a global bank with a well-regarded UAE mortgage product, popular with expats and international buyers for its global relationships and premier banking. It offers competitive fixed and variable rates — worth comparing against local banks to confirm it's your sharpest option.
HSBC UAE mortgage at a glance
Verified pricing plus current public product criteria, before the bank assesses your file.
| Indicative starting rate | From ~4.05% p.a. from Mortgease’s latest verified broker pricing; final offer controls. |
|---|---|
| Minimum income & residency | AED 15,000 monthly income is the published minimum. HSBC advertises home loans for UAE residents and non-residents; the available product and maximum LTV differ. |
| Salary transfer | HSBC does not publish one universal salary-transfer rule for every home-loan product. Relationship tier and account status can affect pricing and fees; confirm the condition in the offer letter. |
| Fixed period & reversion | Fixed and variable structures may be available by profile. HSBC’s published variable home-loan pricing tracks 3-month EIBOR; any post-fixed margin and reset terms must be checked in the final offer. |
| Key fees | New-purchase arrangement fee: 1.05% (minimum AED 5,250) for Personal/Advance, or 0.525% (minimum AED 5,250) for Premier/Private. Published valuation: AED 2,625. Campaign waivers may change the amount. |
| Self-employed & non-resident | Resident and non-resident options are advertised. Self-employed eligibility and documentation are assessed by HSBC; Mortgease confirms the current policy before submission. |
Public-product facts checked against HSBC’s application criteria and mortgage rates and fees. Public criteria can change; Mortgease verifies the final bank offer before you proceed.
Is HSBC actually the best fit for your case?Compare the rate, reversion margin, fees and approval appetite within our 14-bank coverage.
Review this bank for my profile →Indicative rate — we confirm HSBC's current indicative rate for your profile, free.
Update — 10 August 2026
HSBC has rolled back the temporary restrictions it had in place, with effect from 10 August 2026. Three things are open again:
- Equity release — releasing cash against a property you already own
- Top-ups, capped at 70% LTV
- Non-resident applications — buyers living outside the UAE
If HSBC turned you away on any of these in recent months, it is worth another look. We will check it against the other banks first, free.
Why get your HSBC mortgage through Mortgease?
- We compare HSBC against relevant routes within our 14-bank coverage — so you only take it if it's a suitable fit for your profile.
- with no client brokerage fee to you — a lender may pay Mortg Ease a commission on completion; bank and third-party charges can still apply.
- One senior advisor handles your file end to end; bank pre-approval often takes 2–5 working days once documents are complete.
HSBC mortgage policy updates
What actually changed at HSBC, and when. These are written up from the broker circulars we receive, not from the bank’s public pages — so they cover the criteria changes that never get announced.
- HSBC waives processing fees and adds up to AED 16,000 cashback for Premier Elite clients (23 June 2026)
23 June 2026 — HSBC has introduced zero processing fees for new and existing Premier Elite clients, with new customers eligible for up to AED 16,000 cashback — effective 23 June 2026.
All UAE mortgage policy updates →
HSBC mortgage FAQs
What are HSBC's mortgage rates?
Is HSBC good for expats and international buyers?
Does HSBC offer premier mortgage benefits?
How do I apply for an HSBC mortgage?
HSBC guides: Mortgage calculator → · Mortgage buyout → · Self-employed mortgage →
Full mortgage calculator → · Check your eligibility → · All bank guides →
Compare with other UAE banks
Not sure which bank fits your profile? See current UAE mortgage rates, check your eligibility, work out your DBR or estimate your monthly payment — then we review relevant lender routes with no client brokerage fee.