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Looking for a mortgage but not ready to commit to a prequalification?  Let us help.

HSBC Equity Power Mortgage

Do more with your money

Make the equity in your home work for you

The HSBC Equity Power Mortgage is an ideal choice if you want to use the equity you've built up in your home for important goals or to simplify your borrowing needs.

Features & benefits

  • Use the equity for a home renovation, dream vacation, your child’s education, or make a major purchase
    Access up to 80% of the value of your home1.
  • Save money
    Consolidate high-interest debt and reduce the amount of interest you pay.
  • Access the equity as a secured line of credit or personal loan2 or additional mortgage tier
  • Pay down your mortgage faster with flexible early payment options allowing you to prepay up to 20% of the original mortgage amount or by increasing the payment amount up to a total of 20% each year3.  You can also make a match a payment and miss one later.4
  • Flexible rate options
    Benefit from a combination of fixed and variable terms.
  • Flexibility of having a blend of long and short terms
  • Make payments weekly, bi-weekly, semi-monthly, monthly
  • Already enrolled in the Rewards Program with your HSBC Mastercard®? Redeem Reward Points5 to reduce your mortgage amount.

Terms & options


  • Lock in a competitive fixed rate
  • Know exactly how much principal and interest you pay for the term
  • Amortize up to 30 years


  • Take advantage of a competitive variable rate
  • Renew early
  • Amortize up to 30 years

Pay less interest

  • Lower your interest rate with a combination of terms, rates, payment options, and amortization schedules

How to apply

Get prequalified

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

Looking for a mortgage but not ready to commit to a prequalification?

We get it. You probably have many questions.

Let’s start by connecting you with one of our Mortgage Specialists who will have the answers you're looking for.

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