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The world's local bank
HSBC offers for Non-Canadian Residents
HSBC offers mortgage options to qualified applicants who are not residents of Canada and are interested in purchasing Canadian real estate as a
- Seasonal home.
- Home for a student studying in Canada.
- Vacation property.
- Investment.
Our products help qualifying applicants without an established Canadian credit history purchase property. The property you want to purchase must have a
- Loan-to-Value Ratio* of up to 70% of purchase price, or appraised value, whichever is lower (excluding tax).
Purchase real estate in Canada and receive additional benefits with HSBC Premier.
HSBC Mortgage terms and options
| If your down payment is less than 20% of the value of your home, your Traditional Mortgage must be insured by Canada Mortgage and Housing Corporation (CMHC). | |||||
| Term | Open |
6 months, or 1 year |
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Closed |
6 months, or 1 year |
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| Interest Rate | Fixed rate |
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Variable rate |
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| Payment Frequency | Choose what works best for you |
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| Prepayment | Pay off your mortgage faster |
Increase your payments by up to 20%. ----- or ----- Pay up to 20% of the original balance each year. |
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| Overpayment | Skip a payment |
Double one mortgage payment, skip another. |
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We're here to help
If you need help choosing, assessing or applying for an HSBC mortgage you can call us at 1 888 310 HSBC (4722). Alternatively, read our Mortgage FAQs or visit our Mortgages Resources for more information.
