You are not logged on to Internet Banking.

Home Loans

Get your house working for you

Whether you are renovating an existing property or building your dream home, HSBC has solutions to suit your needs with some very attractive benefits.

Home Equity Loan

A Home Equity Loan enables you to use the equity in your property to borrow funds for home renovations or other major purchases.


Come talk to us.

  • Call +1 441 299 5959 to arrange an appointment

Apply Online

See how much you can afford

Make an appointment

The home equity loan is suitable if you want to borrow a specific amount for a particular purpose, over $30,000 BMD, with the comfort of regular monthly payments.

  • Term from 1 to 30 years
  • Borrow up to 80% of the equity built in your home
  • Conveniently separated from your mortgage
  • Variable interest rates

What you will need when applying

  • Valid ID for each person applying (passport, Bermuda driver's license)
  • Proof of current address (BELCO bill, cable bill)
  • Proof of income earnings for each applicant and proof of employment letter
  • If self-employed/business owner - Past 12 months of Payroll Tax Returns or 2 year financial statements
  • Copy of rental agreement and statements if rental income is not direct deposited to HSBC
  • Latest pay stubs, normally the previous three months
  • Details of the property you are buying
  • Real estate agent's and lawyer's details

Personal Loans

Want a small upgrade or house renovation? Whatever you have in mind, our loans could help to make your plans a reality.

What you should know

  • 100% financing
  • Competitive interest rates
  • Maximum term of 5 years
  • Both secured and unsecured loans available
  • Variable interest rates

See our Personal Loans webpage for more details.

Construction Loans

With a Construction Loan we can help you turn your house into your dream home.

With a Construction Loan, we can help you:

  • Construct your new house;
  • Build additions to your home;
  • Make major home improvements

What you should know

  • Term up to 30 years
  • Variable interest rates
  • Interest-only payments while under construction, usually up to one year
  • Appraisal required before and on completion of construction
  • You will need 10% of project costs plus 5% for cost overruns before applying
  • During Construction, the Bank will visit your site to assess the progress of your project(s)

What you will need when applying

  • Copy of approved plans
  • Three quotes from reputable contractors
  • Cost estimate/quantity survey from qualified surveyor
  • Agreement/Contract to verify drawdowns

This product and service is offered only in the jurisdiction of Bermuda by HSBC Bank Bermuda Limited and the material presented is not intended for use by persons located in or resident in other jurisdictions.

Issued by HSBC Bank Bermuda Limited, of 37 Front Street, Hamilton Bermuda, which is licensed to conduct Banking Business by the Bermuda Monetary Authority. The Site is primarily intended for those who access it from within Bermuda. Because of this, we cannot guarantee that the Site or the information thereon complies with law or regulation of other countries, or is appropriate for use, in other places. You are wholly responsible for use of the Site by any person using your computer and you must ensure that any such person complies with these Terms. The information provided on this Site is not intended for distribution to, or use by, any person in any jurisdiction where such distribution or use would be contrary to law or regulation. This Site should not be considered as communicating any invitation or inducement to engage in banking of investment activity or any offer to buy or sell any securities or other instruments outside Bermuda.