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First-time buyer mortgages

Take your first step onto the property ladder

Everything you need to buy your first home

With competitive lending rates, a range of mortgage options and a team of dedicated advisers, we offer all the support you need to take your first step on the property ladder.

Save thousands on upfront mortgage costs

Open the door to first time homeownership with our special mortgage offer. Plus, enjoy some of the lowest mortgage rates available on the island.
Available for new residential mortgage applications 1 April – 30 June 2024. Terms and conditions apply.

Benefits of buying your first home with HSBC

  • Individually tailored advice
    Our dedicated mortgage specialists will walk you through every stage of your journey - from your initial application to the final confirmation of sale.
  • Market leading rates
    We review our lending rates frequently to ensure that we're providing great value against our competitors.
  • Pre-approval on the same day
    We aim to provide pre-approval on your mortgage application on the same day when you apply in branch.
  • Trusted legal support
    We work with a carefully selected group of local law firms to ensure your mortgage is processed safely and quickly.
  • Get a hand from your family
    Our Family Springboard mortgage allows you to borrow up to 100% of your loan with security from a family member.
  • Automatic account upgrades
    We'll automatically upgrade your account to Advance if you have a mortgage with us, or to Premier if your mortgage is more than $1 million.

Featured mortgages


A residential mortgage is our standard product for buying a property in Bermuda.


With a construction loan we can offer additional support to help you build your new house, make additions to the property or fund major renovations.


By borrowing $1 million or more, we'll upgrade you to an HSBC Premier account, giving you access to negotiated mortgage rates and additional benefits.

Find out how to apply

Starting your journey to becoming a homeowner with us is easy. First, you'll need to apply for a pre approval. We can usually process this on the same day you apply.

Once your pre-approval is confirmed, our dedicated mortgage specialists will guide you through the rest of your application.

Tools to help you choose


Compare our latest mortgage rates and understand our fees.


Use our quick calculator to see how much you could borrow.


Work out how much your monthly payments could be.


We've pulled together some handy articles to make it easier to decide what's right for you.

Listening to what you have to say about our services matters to us.