Getting Prequalified

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Getting Prequalified

The HSBC Mortgage Prequalification Calculator gives you an estimate of the mortgage amount you may qualify for, based on the details you enter.

Why get prequalified?

Have peace of mind on the estimated mortgage amount you may be able to obtain.
Useful when house hunting, to show estate agents that you’re serious about buying a property, and you understand the property values you can afford
No impact on your credit score.
No commitment to apply for an HSBC mortgage.

What to expect once you’ve been prequalified

You’ll get an email from us confirming your prequalified mortgage amount, and
An experienced HSBC Mortgage Specialist will contact you within 2 business days to discuss next steps on your mortgage journey.

To get prequalified:

Must be at least 18 years of age
Credit score of 680 or above
No previous bankruptcy

If you’re not eligible for prequalification, please contact us at 1-866-609-4722 to discuss your options.

An HSBC Mortgage can help make your house a home sooner.

2-year fixed closed term

5.74% (5.82% APR)^*

5-year fixed closed term

4.99% (5.02% APR)^*

Today's best rates

Today's rates

Expect more than just a great rate.

Mortgage calculators

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Explore your options with our mortgage calculator tools and get to know HSBC.

Do you have Mortgage Life and Disability coverage?

Creditor Insurance helps protect your loved ones if the unexpected happens.

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How to apply

You are at least the age of majority, 18 or 19 years of age depending on your province of residence.
You are a Canadian resident.
You will be asked to provide personal details and gross annual income (pre-tax).
You will be asked to consent to us obtaining your credit report.
If you are applying for a joint loan, the co-applicant must complete the application. If there is more than one co-applicant, please call us to proceed at 1-866-609-4722.
All mortgages are subject to standard credit approval.

Get prequalified

In a few simple steps, learn how much of a mortgage you may qualify for with the HSBC Mortgage Prequalification Calculator.

Get prequalified

Need to talk?

When available, a Live Chat agent will book an appointment for you at your nearest branch.

Chat with an agent

Live Chat Hours:

Mon-Fri 7am - 12am EST

Sat-Sun 8am - 8pm EST

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Find a branch near you

Your use of this site, including this application, is subject to the Website Use Agreement which includes important terms about the security of the information you submit by this application. Your use of this site signifies your agreement to the Website Use Agreement. Your information is not stored on our systems if you do not submit this application. Whether or not you submit your application, your personal information can still be displayed by clicking the back button. For security, it is advised that you close your browser after using this site.

Rates are subject to change without notice and are applicable to First Mortgages only. For information and to confirm most recent rates, please contact any HSBC branch. Some restrictions apply.

^* The annual percentage rate (APR) is based on a $200,000 mortgage for the applicable term assuming a property valuation fee of $300. APR includes all interest and some non-interest charges associated with the mortgage. If there are no non-interest charges, the annual interest rate and APR will be the same. Rate is only available for residential mortgages, a higher interest rate may apply for non-owner-occupied properties, amortizations greater than 25 years, and exceptions to HSBC's standard lending guidelines. Applications are subject to credit approval.

Get prequalified for a mortgage today. Learn how much of a mortgage you may qualify for.

Mortgage Prequalification

An HSBC Mortgage can help make your house a home sooner.

Today's rates

Mortgage calculators

Do you have Mortgage Life and Disability coverage?

How to apply

What you need to know before applying

Get prequalified

Need to talk?

Come see us

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