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Same day mortgage pre-approval

Take the first step towards buying your new home

If you're searching for a new property in Bermuda, your first step should be to apply for a pre-approval.

This no-obligation service allows you to get a quick, realistic picture of what you can afford.

Advantages of having a pre-approved mortgage

  • we aim to confirm your pre-approval on the same day you apply
  • you'll know the price range of homes you can afford
  • pre-approved financing makes your offer more attractive to sellers
  • pre-approval is valid for up to 90 days
  • it's free to apply and there's no obligation to accept any mortgage offer

Things to know before you buy

  • estimated property cost
  • mortgage amount
  • your income
  • your expenses


*Same day mortgage pre-approval available for in-branch appointments only. Due to market fluctuations, a Variable Mortgage rate may change in the future, which may impact total cost over the lifetime of a mortgage. Applicable for residential mortgages only.

How much can I borrow?

Before you request a pre-approval, try our mortgage calculator to get an indication of how much we may be able to lend based on your current income.

Find out how to apply

Starting your journey to your new home with us is easy. First, you'll need to arrange an appointment with a member of our mortgages team. You can call us, visit your local branch or arrange a call back.

You'll be assigned a dedicated mortgage adviser who'll discuss your needs and let you know what you'll need to do throughout new your mortgage application.

By email

For general customer queries, pre-approval requests & documentation submission, you can email us at

In branch

Book an appointment in your local branch to speak with a specialist and start your application.

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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 and Investment Business by the Bermuda Monetary Authority.

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