Choose a mortgage solution that fits your needs and budget

Use Points from your HSBC Advance Mastercard® card to pay down your HSBC mortgage‎

Enjoy preferential rates and personalized rewards

Everyone is different, which is why we make the effort to understand your needs and how you like to bank. We offer you preferential rates with unique rewards and benefits to help you with your everyday banking, borrowing and investment needs - because we want to help you reach your individual goals.

Features & Benefits

1

HSBC Advance requires you to have an active HSBC Advance chequing account, and maintain combined personal deposits and investments with HSBC Bank Canada and its subsidiaries of $5,000 or hold personal HSBC Bank Canada residential mortgage with original amount of $150,000 or greater. Some exclusions apply. A monthly fee will be charged if you do not meet at least one of the conditions above. For full details regarding any fees which may apply please refer to the Personal Service Charges/Statement of Disclosure available at any HSBC Bank Canada branch or online at www.hsbc.ca.

2

Unlimited day-to-day banking includes cheques, withdrawals and deposits at HSBC Branches and ATMs in Canada, HSBC telephone and mobile banking (Canada), withdrawals at more than 3,500 ATMs on THE EXCHANGE Network® and Interac® debit purchases at retailers across Canada.

3

To be eligible to apply a prepayment you must be up to date on your regular mortgage payments. The lump sum payment of up to 20% must be a minimum of $100 and can only be made on the anniversary date of you mortgage loan. You may only increase your regular payment amount once each year and you must continue to pay this new mortgage payment amount for at least 12 months. You may make an additional payment or increase your regular monthly payment or both. For each year your extra and increased payments, in total, must be less than 20% of the original principal amount of your mortgage loan.

4

Accounts eligible for redemption may change from time to time. Visit www.hsbc.ca/rewards for information regarding eligible accounts, required number of Points and additional terms and conditions.

5

HSBC InvestDirect is a division of HSBC Securities (Canada) Inc., a wholly owned subsidiary of, but separate entity from, HSBC Bank Canada. HSBC Securities (Canada) Inc. is a member of the Canadian Investor Protection Fund. HSBC InvestDirect does not provide investment advice or recommendations regarding any investment decisions or securities transactions.

Terms and Conditions | Website User Agreement | System Information | Order Processing | Member - Canadian Investor Protection Fund | Contact HSBC InvestDirect

6

Income earned in a TFSA is not subject to Canadian taxes. Taxes of other countries may apply. Contributions to Tax-Free Savings Accounts (TFSAs) are limited annually. Generally, the maximum contribution room for a year is equal to the total of unused contribution room from the previous year, distributions made in the previous year and TSFA dollar limit for the year. The maximum annual contribution applies to all of your TFSAs held with HSBC Bank Canada or any other financial institution. Only Canadian residents, who are over 18 years of age and have a valid Social Insurance Number, can make contributions to a TFSA. The age of majority is 19 for residents of Newfoundland & Labrador, New Brunswick, Nova Scotia, British Columbia, Northwest Territories, Yukon and Nunavut, which may delay the opening of a TFSA. However, the accumulation of contribution room will start at age 18. Consult your tax advisor for full details about TFSAs and how they relate to your tax situation.

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