Mortgage and Home Equity

Opening doors to a world of exclusive privileges.

Sometimes one address cannot contain your wanderlust. With Premier multiple-mortgage benefits, you'll be pre-approved for up to three mortgages around the world when you make a down payment of 40% or more in any one country¹. You can look knowing that you're equipped to make decisions as quickly as you want. You'll work with your Relationship Manager, who will source and customize solutions for you around the world.

A Premier Mortgage now gives you the best of all worlds.

Premier Mortgage Solutions:

• Preferred rates
• An additional 1/4% rate discount² for qualifying customers
• No lender fees – an average savings of $2000 or more
• Financing up to $5 million³
• Available to international borrowers with qualifying visas
• Fixed and adjustable rate options

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Premier Home Equity makes a world of difference.

Premier Home Equity Solutions:

• Our best rates for Premier clients
• Simple process with quick turnaround
• No upfront fees or closing costs⁴

- Home Equity Loan: -0.75% Premier Discount^5,6
- Home Equity Line of Choice: -0.27% Premier Discount^5,6

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1. Not available in all countries. Speak to a Relationship Manager to determine in which countries this benefit is available.
2. On Jumbo ARM loans for borrowers with 24 months reserves, 25% equity in the property, and auto payment from a Premier Checking account.
3. HSBC Premier Mortgage available up to $2 million. HSBC Premier Deluxe Mortgage, which has additional requirements, is available up to $5 million. Subject to underwriting approval. Geographic and other restrictions apply.
4. No closing costs are charged at account opening for a Home Equity less than $500,000. If you terminate your account within the first three years you will have to pay an early termination fee of $500 ($750 if the property securing the account is located in California or Virginia) plus the amount of the Mortgage Tax, Intangible Tax, Documentary Stamp Tax or Mortgage Registry Tax (NY, FL, GA, MN, OK, TN). These taxes could range from $260 to $10,700. In addition to the above, for a Home Equity greater than $500,000 (which are processed on an exception basis) you will be required to pay any mortgage tax-like fees associated with the amount greater than $500,000 at the time your account is established. The maximum APR that can apply is the greater of 15.9% or 5 percentage points over the initial APR in effect as of closing. Property insurance and flood insurance, if applicable, is required.
5. Discounts can be cancelled or subject to change at any time. Discount cannot be combined with any other offer or discount. To qualify for Premier preferred rates on a Home Equity Loan or Line of Choice^SM, payment must be made via automatic payment deduction from a Premier Checking account.
6. To qualify for HSBC Premier, you need to maintain $100,000 in combined personal deposit and investment balances or $500,000 in combined personal deposit, investment, and credit/mortgage balances. Business owners may use their commercial balances to qualify for personal Premier membership. A monthly maintenance fee of $100 will be incurred if minimum balance requirements are not maintained.

All loans are subject to credit approval. Discount not available on loans obtained through dealers, brokers and other third parties. Rate discount does not apply to introductory rates.

Deposit Products are offered in the United States through HSBC Bank USA, N.A. or HSBC National Bank USA. Both banks are Member FDIC