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FTB -risk applying to HSBC?
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We applied to HSBC for a 5 year fixed rate fee free 90% mortgage last week (£250k mortgage on a £290k property) and had it approved within 24 hours. We're FTBs also, but we have both been with the bank for 20+ years, so yes it is quite doable. Our mortgage is only 2.5 x income though so this definitely went in our favour.0
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HSBC are conservative with salary multiple. If you bank with them then use them. if not, open an advance account, then apply for a mortgage. they are more helpful to account holder.
I was rejected at first but reapplied (almost a year later) when i had a account opened with them for six months and it was accepted.0
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