- Fixed for life at 4.49% with HSBC
- No advisor or broker fees apply
- Includes a free valuation of your home
- Make monthly repayments if you choose
- No penalties for early repayment
- Designed to last for the rest of your life
To see whether HSBC equity release is suitable for your circumstances, please complete the form below:
If you are aged 55 or over and your financial adviser has told you you are exposed to the estate tax, a specialist independent legal advisor may suggest you get equity release advice, and read the Equity Release Council website and the Financial Conduct Authority information about your tax position.
HSBC UK has some very competitive equity release product options. A free equity release adviser will help you with the equity release calculator, showing you the types of equity release and lifetime mortgage deals.
The tax free cash you can gift to your loved ones, use for home improvements or other long term care costs.
A loan secured against your home before you die or move into long term care could help your loved ones minimise their mortgage size using your property value. HSBC equity release provider offers are likely to be very similar to the rates your children are offered by other building societies and mainstream high street lenders.
HSBC – Corporate Structure, Regulatory Registrations, Global Activities & Contact Information
🏦 HSBC Group Entities & Subsidiaries that offer a cash lump sum
| Entity Name | Jurisdiction | Company Reg No. | Notes |
|---|---|---|---|
| HSBC Holdings plc | England & Wales | 617987 | Ultimate parent (hsbc.com) |
| HSBC Bank plc | England & Wales | 114216 | Principal UK entity |
| HSBC UK Bank plc | England & Wales | 09928412 | Ring-fenced UK retail bank |
| HSBC Innovation Bank Limited | England & Wales | 543146 | UK FinTech/regulatory purpose |
| HSBC Private Bank (UK) Ltd | England & Wales | 124781 | Private banking entity |
| HSBC Bank Australia Ltd | Australia | ACN 006 434 162 | Subsidiary offering retail/commercial banking |
| HSBC Bank Malaysia Berhad | Malaysia | Public Berhad | Retail & Islamic banking |
| Hang Seng Bank Ltd (Hong Kong) | Hong Kong | HKSE-listed subsidiary | Operations in HK & China |
| HSBC Bank A.Ş. (Turkey) | Turkey | – | 77 branches |
| HSBC Bank India | India | F00947 | RBI-regulated retail & corporate |
| HSBC Bank USA NA | United States | – | FDIC-chartered entity – key US arm |
| HSBC Expat (HSBC Int’l) | Jersey (CI) | – | Offshore banking |
🛡️ Regulatory Registrations & Authorisations for HSBC Equity Release and other products
- UK (FCA & PRA): HSBC Bank plc, HSBC UK Bank plc, HSBC Innovation Bank Ltd, HSBC Private Bank (UK) Ltd (no advice fee)
- Australia: Licensed by APRA and ASIC
- Malaysia: Regulated by Bank Negara Malaysia (BNM)
- Hong Kong: Regulated by HKMA and SFC; Hang Seng Bank is regulated
- Turkey: Regulated by BDDK/SERBEST piyasalar
- India: Regulated by RBI
- USA: HSBC Bank USA is insured by the FDIC; HSBC USA operates under FRB oversight
- Channel Islands (CI): HSBC Expat regulated by GFSC/JFSC
- We’re a member of the Equity Release Council
🌍 Global Business Activities & Services as well as HSBC Equity Release
- UK: Retail, business banking, mortgages, credit cards, insurance, private banking, commercial banking, industry body
- Wealth Management/Private Banking: Via HSBC Private Bank (UK) & global platforms
- Global Markets & Investment Banking: Forex, debt/equity markets, commodities trading, M&A advisory
- Asset/Custody Services: Institutional safeguarding in major markets
- Commercial & Corporate Finance: Working capital, trade finance, structured finance
- Digital & Offshore Banking: International personal accounts, wealth platforms, HSBC Expat
- Insurance: General and life products in retail and Asia-Pacific
- Islamic Banking: Via HSBC Amanah Malaysia
- Fintech/Innovation: Through HSBC Innovation Bank, global tech hubs
📬 Principal Postal Addresses & Contact Details to take out equity release
HSBC Group Headquarters where interest rates are set
- 📍 8 Canada Square, London, E14 5HQ, UK if you want to take out equity release
- 📞 +44 (0)20 7991 8888
- 🔗 Website: https://www.hsbc.com
The Financial Conduct Authority regulates HSBC Bank plc (UK Legal Entity)
- 📍 8 Canada Square, London E14 5HQ
- 📞 +44 (0)20 7991 8888
HSBC UK Bank plc (Retail Bank) with independent legal advice
- 📍 1 Centenary Square, Birmingham B1 1HQ (business.hsbc.uk)
- 🔗 https://www.hsbc.co.uk
HSBC Bank Australia Ltd
- 📍 Tower 1, International Towers, Barangaroo, Sydney, NSW, Australia
- 🔗 https://www.hsbc.com.au
HSBC Bank Malaysia Berhad
- 📍 Menara IQ, Tun Razak Exchange, Kuala Lumpur, Malaysia
- 🔗 http://www.hsbc.com.my
Hang Seng Bank Ltd
- 📍 Hang Seng Bank Headquarters Building, Central, Hong Kong
- 🔗 http://www.hangseng.com
HSBC Bank A.Ş. (Turkey)
- 📍 Istanbul, Turkey
- 🔗 http://www.hsbc.com.tr
HSBC Bank India
- 📍 Fort, Mumbai, Maharashtra, India
- 🔗 https://www.hsbc.co.in
HSBC Expat (Channel Islands)
- 📍 Saint Helier, Jersey, Channel Islands
- 🔗 https://www.expat.hsbc.com
HSBC Bank USA, N.A.
- 📍 Details in US Form 20‑F
- 🔗 Investor/office contacts via HSBC USA site
📞 Key Phone Numbers For Equity Release to release from your home equity
- Group HQ: +44 (0)20 7991 8888
- Australia: via https://www.hsbc.com.au/contact
- Malaysia: via https://www.hsbc.com.my/contact
- Hong Kong: via http://www.hangseng.com
- Turkey: via http://www.hsbc.com.tr/contact
- India: via https://www.hsbc.co.in/contact‑us
- Jersey (Expat): via support pages on https://www.expat.hsbc.com
For a house like the one above, there is a guarantee that the total amount you owe cannot be greater than the value of your property.
You don’t have to commit to anything, and you won’t need to pay an advice fee.
Home reversion plan: This plan allows you to sell part or all of your home while you continue to live in it. But these are not recommended for most people.
With HSBC, there is no early repayment charge (ERC).
You should find out how to access independent legal and financial advice about the market value of your home, your future benefit entitlement, your council tax liability, and your long term care costs.