Ways To Borrow | Loans, Credit Cards Or Overdrafts?

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aria-hidden="true"></span> <span class="header-main-navigation-subtitle">Short & long-term</span> </div> <div aria-hidden="true" class="doormat-menu" data-source="header-doormat-1"> <div class="doormat-container row"> <div class="doormat-main sm-12 lg-9"> <div class="row"> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/credit-cards/" data-event-component="topnav" data-event-name="Borrowing: Credit cards" class="doormat-heading-link"> <h2 class="doormat-heading">Credit cards</h2> </a> <ul class="doormat-links"> <li> <a href="/credit-cards/balance-transfer-credit-cards/" aria-label="Balance transfer credit cards" data-event-component="topnav" data-event-name="Borrowing: Credit cards: Balance transfer cards"> Balance transfer credit cards </a> </li> <li> <a href="https://www.hsbc.co.uk/credit-cards/purchase-credit-cards/" aria-label="Purchase cards" data-event-component="topnav" data-event-name="Borrowing: Credit cards: Purchase cards"> Purchase cards </a> </li> <li> <a href="https://www.hsbc.co.uk/credit-cards/rewards-credit-cards/" aria-label="Rewards cards" data-event-component="topnav" data-event-name="Borrowing: Credit cards: reward cards"> Rewards cards </a> </li> <li> <a href="https://www.hsbc.co.uk/credit-cards/credit-builder-credit-cards/" aria-label="Credit building cards" data-event-component="topnav" data-event-name="Borrowing: Credit cards: Credit building cards"> Credit building cards </a> </li> <li> <a href="https://www.hsbc.co.uk/credit-cards/premier-credit-cards/" aria-label="Premier cards" data-event-component="topnav" data-event-name="Borrowing: Credit cards: Premier cards"> Premier cards </a> </li> <li> <a href="/loans/ways-to-borrow/" aria-label="Ways to borrow"> Ways to borrow </a> </li> <li> <a href="/credit-cards/eligibility-checker/" aria-label="Credit card eligibility checker" data-event-component="topnav" data-event-name="Borrowing: Credit cards: credit card eligibility checker"> Credit card eligibility checker </a> </li> <li> <a href="https://www.hsbc.co.uk/credit-cards/products/" aria-label="See all credit cards" data-event-component="topnav" data-event-name="Borrowing: Credit cards: See all credit cards"> See all credit cards </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/loans/" data-event-component="topnav" data-event-name="Borrowing: Loans" class="doormat-heading-link"> <h2 class="doormat-heading">Loans</h2> </a> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/loans/products/personal/" aria-label="Personal Loan" data-event-component="topnav" data-event-name="Borrowing: Loans: Personal Loan"> Personal Loan </a> </li> <li> <a href="https://www.hsbc.co.uk/loans/products/premier/" aria-label="Premier Loan" data-event-component="topnav" data-event-name="Borrowing: Loans: Premier Loan"> Premier Loan </a> </li> <li> <a href="https://www.hsbc.co.uk/loans/products/car-loan/" aria-label="Car Loan" data-event-component="topnav" data-event-name="Borrowing: Loans: Car Loan"> Car Loan </a> </li> <li> <a href="https://www.hsbc.co.uk/loans/products/home-improvements/" aria-label="Home Improvement Loan" data-event-component="topnav" data-event-name="Borrowing: Loans: Home Improvement Loan"> Home Improvement Loan </a> </li> <li> <a href="https://www.hsbc.co.uk/loans/products/top-up-loans/" aria-label="Top up your loan" data-event-component="topnav" data-event-name="Borrowing: Loans: Top up your loan"> Top up your loan </a> </li> <li> <a href="/loans/ways-to-borrow/" aria-label="Ways to borrow"> Ways to borrow </a> </li> <li> <a href="/loans/products/debt-consolidation/" aria-label="Debt Consolidation Loan"> Debt Consolidation Loan </a> </li> <li> <a href="/loans/flexipay/" aria-label="HSBC Flexipay"> HSBC Flexipay </a> </li> <li> <a href="https://www.hsbc.co.uk/loans/" aria-label="See all loans" data-event-component="topnav" data-event-name="Borrowing: Loans: See all loans"> See all loans </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/mortgages/" data-event-component="topnav" data-event-name="Borrowing: Mortgages" class="doormat-heading-link"> <h2 class="doormat-heading">Mortgages</h2> </a> <ul class="doormat-links"> <li> <a href="/mortgages/existing-customers/switch/" aria-label="Switch your mortgage rate"> Switch your mortgage rate </a> </li> <li> <a href="https://www.hsbc.co.uk/mortgages/move-your-mortgage/" aria-label="Remortgage to HSBC" data-event-component="topnav" data-event-name="Borrowing: Mortgages: Remortgage to HSBC"> Remortgage to HSBC </a> </li> <li> <a href="https://www.hsbc.co.uk/mortgages/first-time-buyers/" aria-label="First-time buyers" data-event-component="topnav" data-event-name="Borrowing: Mortgages: First-time Buyers"> First-time buyers </a> </li> <li> <a href="https://www.hsbc.co.uk/mortgages/how-to-apply/" aria-label="Get a decision in principle" data-event-component="topnav" data-event-name="Borrowing: Mortgages: Get a decision in principle"> Get a decision in principle </a> </li> <li> <a href="/mortgages/moving-home/" aria-label="Moving home" data-event-component="topnav" data-event-name="Borrowing: Mortgages: 95% mortgages"> Moving home </a> </li> <li> <a href="https://www.hsbc.co.uk/mortgages/our-rates/" aria-label="Mortgage rates" data-event-component="topnav" data-event-name="Borrowing: Mortgages: Mortgage rates"> Mortgage rates </a> </li> <li> <a href="https://www.hsbc.co.uk/mortgages/calculators/" aria-label="Mortgage calculators" data-event-component="topnav" data-event-name="Borrowing: Mortgages: Calculators"> Mortgage calculators </a> </li> <li> <a href="/mortgages/application-in-progress/" aria-label="Continue my application"> Continue my application </a> </li> </ul> </div> </div> </div> </div> </div> <div class="doormat-highlight sm-12 lg-3"> <div class="doormat-highlight-menu"> <div> <div class="links-group"> <h2 class="doormat-heading">Already borrowing with us?</h2> <ul class="doormat-links"> <li> <a href="/mortgages/cost-of-living-support/" aria-label="Mortgage charter" data-event-component="topnav" data-event-name="Borrowing: Already borrowing with us: Mortgage charter"> Mortgage charter </a> </li> <li> <a href="/mortgages/existing-customers/" aria-label="Manage your existing mortgage" data-event-component="topnav" data-event-name="Borrowing: Already borrowing with us: Manage your existing mortgage"> Manage your existing mortgage </a> </li> <li> <a href="https://www.hsbc.co.uk/help/money-worries/" aria-label="Money worries " data-event-component="topnav" data-event-name="Borrowing: Mortgage payment support"> Money worries </a> </li> <li> <a href="/help/money-worries/mortgage-payments/" aria-label="Mortgage payment support" data-event-component="topnav" data-event-name="Borrowing: Mortgage payment support"> Mortgage payment support </a> </li> <li> <a href="/credit-cards/existing-customers/" aria-label="Manage your credit card" data-event-component="topnav" data-event-name="Borrowing: Already borrowing with us: Manage your cards"> Manage your credit card </a> </li> <li> <a href="/credit-cards/fees/" aria-label="Credit card fees and rates"> Credit card fees and rates </a> </li> <li> <a href="/help/bank-of-england-base-rate/" aria-label="Base rate information" data-event-component="topnav" data-event-name="Borrowing: Already borrowing with us: Base rate information"> Base rate information </a> </li> <li> <a href="/credit-cards/credit-card-repayment-calculator/" aria-label="Credit card repayment calculator"> Credit card repayment calculator </a> </li> </ul> </div> </div> </div> </div> </div> </div> </li> <li class="header-main-navigation-item" tabindex="0"> <div data-target="header-doormat-2" class="header-mobile-doormat-2 header-doormat-mobile-title sidebar-submenu-trigger"> <span class="icon icon-investment hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-title">Investing</span> <span class="icon icon-chevron-right hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-subtitle">Products & planning</span> </div> <div aria-hidden="true" class="doormat-menu" data-source="header-doormat-2"> <div class="doormat-container row"> <div class="doormat-main sm-12 lg-9"> <div class="row"> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/investments/" data-event-component="topnav" data-event-name="Investing: Ways to invest" class="doormat-heading-link"> <h2 class="doormat-heading">Investing</h2> </a> <ul class="doormat-links"> <li> <a href="/investments/new-to-investing/" aria-label="New to investing?" data-event-component="topnav" data-event-name="investing: way to invest: new to investing"> New to investing? </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/isas/" aria-label="Stocks & shares ISA" data-event-component="topnav" data-event-name="Investing: Ways to invest: Invest in an ISA"> Stocks & shares ISA </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/funds/" aria-label="Invest in funds" data-event-component="topnav" data-event-name="Investing: Ways to invest: Invest in funds"> Invest in funds </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/products/invest-direct/" aria-label="Invest in shares" data-event-component="topnav" data-event-name="Investing: Ways to invest: Invest in invest-direct"> Invest in shares </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/products/" aria-label="See all investments" data-event-component="topnav" data-event-name="Investing: Ways to invest: Invest in products"> See all investments </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/investments/advice/" data-event-component="topnav" data-event-name="Investing: Your advice options" class="doormat-heading-link"> <h2 class="doormat-heading">Advice</h2> </a> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/investments/advice/financial-advice/" aria-label="Financial advice" data-event-component="topnav" data-event-name="Investing: Your advice options: Financial advice"> Financial advice </a> </li> <li> <a href="/investments/advice/premier-investment-management-service/" aria-label="Premier investment management" data-event-component="topnav" data-event-name="Investing: Your advice options: Premier investment management"> Premier investment management </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/protection-advice/" aria-label="Protection advice" data-event-component="topnav" data-event-name="Investing: Your advice options: Protection advice"> Protection advice </a> </li> </ul> </div> <div class="links-group"> <a href="https://www.hsbc.co.uk/retirement/" data-event-component="topnav" data-event-name="Investing: Visualise your retirement" class="doormat-heading-link"> <h2 class="doormat-heading">Retirement</h2> </a> <ul class="doormat-links"> <li> <a href="https://retirementcalculator.hsbc.co.uk" aria-label="Retirement calculator" data-event-component="topnav" data-event-name="Investing: Visualise your retirement: Retirement calculator"> Retirement calculator </a> </li> <li> <a href="https://www.hsbc.co.uk/retirement/investing-for-retirement/" aria-label="Investing for retirement" data-event-component="topnav" data-event-name="Investing: Visualise your retirement: Investing for retirement"> Investing for retirement </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/wealth/planning/" data-event-component="topnav" data-event-name="Investing: Improve your knowledge " class="doormat-heading-link"> <h2 class="doormat-heading">Wealth planning </h2> </a> <ul class="doormat-links"> <li> <a href="/wealth/planning/future-planner/" aria-label="Future Planner " data-event-component="topnav" data-event-name="Future Planner "> Future Planner </a> </li> <li> <a href="/investments/goal-based-investing/" aria-label="Investment goals" data-event-component="topnav" data-event-name="Investing: Ways to invest: Investment goals"> Investment goals </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/financial-action-plan" aria-label="Your financial action plan" data-event-component="topnav" data-event-name="Investing: Invest in yourself: Your financial action plan"> Your financial action plan </a> </li> <li> <a href="/wealth/investment-calculator/" aria-label="Investment calculator" data-event-component="topnav" data-event-name="Investing: Invest in yourself: Investment calculator"> Investment calculator </a> </li> <li> <a href="/wealth/education-calculator/" aria-label="Children’s education calculator" data-event-component="topnav" data-event-name="investing: improve your knowledge: children's education calculator"> Children’s education calculator </a> </li> <li> <a href="https://www.hsbc.co.uk/wealth/insights/" aria-label="Wealth Insights" data-event-component="topnav" data-event-name="Investing: Invest in yourself: HSBC Wealth insights"> Wealth Insights </a> </li> </ul> </div> <div class="links-group"> <ul class="doormat-links"> </ul> </div> </div> </div> </div> </div> <div class="doormat-highlight sm-12 lg-3"> <div class="doormat-highlight-menu"> <div> <div class="links-group"> <h2 class="doormat-heading">Already investing with us?</h2> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/investments/existing-customers/" aria-label="Manage your investments" data-event-component="topnav" data-event-name="Investing: Already investing with us?: Manage your investments"> Manage your investments </a> </li> <li> <a href="/investments/existing-customers/goal-based-investing/" aria-label="How to use investment goals" data-event-component="topnav" data-event-name="Investing: Already investing with us?: How to use investment goals"> How to use investment goals </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/existing-customers/global-investment-centre/" aria-label="How to use our Global Investment Centre" data-event-component="topnav" data-event-name="Investing: Already investing with us?: How to buy and sell funds"> How to use our Global Investment Centre </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/existing-customers/invest-direct/" aria-label="How to use InvestDirect" data-event-component="topnav" data-event-name="Investing: Already investing with us?: How to buy and sell shares"> How to use InvestDirect </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/products/onshore-investment-bond/" aria-label="Onshore Investment Bond" data-event-component="topnav" data-event-name="Investing: Already investing with us?: Onshore Investment Bond"> Onshore Investment Bond </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/products/child-trust-fund/" aria-label="Child Trust Fund" data-event-component="topnav" data-event-name="Investing:Already investing with us?: Child Trust Fund"> Child Trust Fund </a> </li> <li> <a href="/investments/existing-customers/flexible-retirement-account/" aria-label="Manage your Flexible Retirement Account" data-event-component="topnav" data-event-name="Investing: Already investing with us?: Manage your Flexible Retirement Account"> Manage your Flexible Retirement Account </a> </li> </ul> </div> </div> </div> </div> </div> </div> </li> <li class="header-main-navigation-item" tabindex="0"> <div data-target="header-doormat-3" class="header-mobile-doormat-3 header-doormat-mobile-title sidebar-submenu-trigger"> <span class="icon icon-insurance hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-title">Insurance</span> <span class="icon icon-chevron-right hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-subtitle">Property & family</span> </div> <div aria-hidden="true" class="doormat-menu" data-source="header-doormat-3"> <div class="doormat-container row"> <div class="doormat-main sm-12 lg-9"> <div class="row"> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="/insurance/" data-event-component="topnav" data-event-name="Insurance: Insurance" class="doormat-heading-link"> <h2 class="doormat-heading">Insurance</h2> </a> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/insurance/home/" aria-label="Home Insurance" data-event-component="topnav" data-event-name="Insurance: Insurance: Home Insurance"> Home Insurance </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/contents/" aria-label="Contents Insurance" data-event-component="topnav" data-event-name="Insurance: Insurance: Contents Insurance"> Contents Insurance </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/travel/" aria-label="Travel Insurance" data-event-component="topnav" data-event-name="Banking: Insurance: Travel Insurance"> Travel Insurance </a> </li> <li> <a href="https://www.business.hsbc.uk/en-gb/products-and-solutions/insurance" aria-label="Small Business Insurance" data-event-component="topnav" data-event-name="Banking: Insurance: Small Business Insurance"> Small Business Insurance </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/" aria-label="See all insurance" data-event-component="topnav" data-event-name="Insurance: Insurance: See all insurance"> See all insurance </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/insurance/life/" data-event-component="topnav" data-event-name="Insurance: Life:" class="doormat-heading-link"> <h2 class="doormat-heading">Life</h2> </a> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/insurance/products/life-cover/" aria-label="Life Cover" data-event-component="topnav" data-event-name="Insurance: Life: Life Cover"> Life Cover </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/critical-illness-cover/" aria-label="Critical Illness Cover" data-event-component="topnav" data-event-name="Insurance: Life: Critical Illness Cover"> Critical Illness Cover </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/income-protection/" aria-label="Income Protection Insurance" data-event-component="topnav" data-event-name="Insurance: Life: Income Protection Insurance"> Income Protection Insurance </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/protection-advice/" aria-label="Protection advice" data-event-component="topnav" data-event-name="Insurance: Life: Protection advice"> Protection advice </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/life/" aria-label="See all life insurance" data-event-component="topnav" data-event-name="Insurance: Life: See all life insurance products"> See all life insurance </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <h2 class="doormat-heading">Claims</h2> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/insurance/products/select-and-cover/claims/" aria-label="Select and Cover claims"> Select and Cover claims </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/home/claims/" aria-label="Home Insurance claims"> Home Insurance claims </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/life/claims/" aria-label="Life Insurance claims" data-event-component="topnav" data-event-name="Insurance: Claims: Life Insurance claims"> Life Insurance claims </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/travel/claims/" aria-label="Travel Insurance claims" data-event-component="topnav" data-event-name="Insurance: Claims: Travel Insurance claims"> Travel Insurance claims </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/aspects/claims/" aria-label="Aspects Insurance claims" data-event-component="topnav" data-event-name="Insurance: Claims: Aspects Insurance claims"> Aspects Insurance claims </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/travel/claims/" aria-label="Premier Travel Insurance claims" data-event-component="topnav" data-event-name="Insurance: Claims: Premier Travel Insurance claims"> Premier Travel Insurance claims </a> </li> </ul> </div> </div> </div> </div> </div> <div class="doormat-highlight sm-12 lg-3"> <div class="doormat-highlight-menu"> <div> <div class="links-group"> <h2 class="doormat-heading">Already insured by us? </h2> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/insurance/products/select-and-cover/claims/" aria-label="Select and Cover support" data-event-component="topnav" data-event-name="Insurance: Already insured by us?: Select and Cover support"> Select and Cover support </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/home/claims/" aria-label="Home Insurance support" data-event-component="topnav" data-event-name="Insurance: Already insured by us?: Home Insurance support"> Home Insurance support </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/life/claims/" aria-label="Life Insurance support" data-event-component="topnav" data-event-name="Insurance: Already insured by us?: Life Insurance support"> Life Insurance support </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/premier-travel/" aria-label="Premier Travel support" data-event-component="topnav" data-event-name="Insurance: Already insured by us?: Premier Travel support"> Premier Travel support </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/aspects/" aria-label="Aspects Insurance support" data-event-component="topnav" data-event-name="Insurance: Already insured by us?: Aspects Insurance support"> Aspects Insurance support </a> </li> </ul> </div> </div> </div> </div> </div> </div> </li> <li class="header-main-navigation-item" tabindex="0"> <div data-target="header-doormat-4" class="header-mobile-doormat-4 header-doormat-mobile-title sidebar-submenu-trigger"> <span class="icon icon-health hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-title">Wellbeing</span> <span class="icon icon-chevron-right hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-subtitle">Financial health & support</span> </div> <div aria-hidden="true" class="doormat-menu" data-source="header-doormat-4"> <div class="doormat-container row"> <div class="doormat-main sm-12 lg-9"> <div class="row"> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="/financial-fitness/" data-event-component="topnav" data-event-name="Wellbeing: Financial fitness" class="doormat-heading-link"> <h2 class="doormat-heading">Financial fitness</h2> </a> <ul class="doormat-links"> <li> <a href="/financial-fitness/fitness-score/" aria-label="Financial health tools & webinars" data-event-component="topnav" data-event-name="Financial fitness score tool"> Financial health tools & webinars </a> </li> <li> <a href="/financial-fitness/everyday-budgeting/" aria-label="Everyday budgeting" data-event-component="topnav" data-event-name="Wellbeing: Financial fitness Everyday budgeting"> Everyday budgeting </a> </li> <li> <a href="/financial-fitness/managing-debt/" aria-label="Managing debt" data-event-component="topnav" data-event-name="Wellbeing: Financial fitness: Managing debt"> Managing debt </a> </li> <li> <a href="/financial-fitness/growing-your-money/" aria-label="Growing your money" data-event-component="topnav" data-event-name="Wellbeing: Financial fitness: Growing your money"> Growing your money </a> </li> <li> <a href="/help/security-centre/" aria-label="Staying safe and secure" data-event-component="topnav" data-event-name="Wellbeing: Financial fitness: Staying safe and secure"> Staying safe and secure </a> </li> <li> <a href="/financial-education/" aria-label="Learning about money" data-event-component="topnav" data-event-name="Wellbeing: Financial fitness: Learning about money"> Learning about money </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="/new-beginnings/" data-event-component="topnav" data-event-name="Wellbeing: New Beginnings" class="doormat-heading-link"> <h2 class="doormat-heading">New beginnings</h2> </a> <ul class="doormat-links"> <li> <a href="/new-beginnings/expanding-your-family/" aria-label="Expanding your family" data-event-component="topnav" data-event-name="Wellbeing: New beginnings: Expanding your family"> Expanding your family </a> </li> <li> <a href="/new-beginnings/getting-married/" aria-label="Getting married" data-event-component="topnav" data-event-name="Wellbeing: New beginnings: Getting married"> Getting married </a> </li> <li> <a href="https://www.hsbc.co.uk/retirement/" aria-label="Planning for retirement" data-event-component="topnav" data-event-name="Wellbeing: New beginnings: Planning for retirement"> Planning for retirement </a> </li> <li> <a href="/mortgages/first-time-buyers/" aria-label="Buying your first home" data-event-component="topnav" data-event-name="Wellbeing: New beginnings: Buying your first home"> Buying your first home </a> </li> <li> <a href="/international/moving-abroad/" aria-label="Moving abroad" data-event-component="topnav" data-event-name="Wellbeing: New beginnings: Moving abroad"> Moving abroad </a> </li> <li> <a href="/students/" aria-label="Going to uni" data-event-component="topnav" data-event-name="Wellbeing: New beginnings: Going to uni"> Going to uni </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="/help/life-events/" data-event-component="topnav" data-event-name="Wellbeing: Life events" class="doormat-heading-link"> <h2 class="doormat-heading">Life events</h2> </a> <ul class="doormat-links"> <li> <a href="/help/life-events/bereavement/" aria-label="Bereavement support" data-event-component="topnav" data-event-name="Wellbeing: Life events: Bereavement support"> Bereavement support </a> </li> <li> <a href="/help/life-events/assisting-someone-with-their-money/" aria-label="Assisting someone with their money" data-event-component="topnav" data-event-name="Wellbeing: Life events: Assisting someone with their money"> Assisting someone with their money </a> </li> <li> <a href="/help/life-events/separation/" aria-label="Separation" data-event-component="topnav" data-event-name="Wellbeing: Life events: Separation "> Separation </a> </li> <li> <a href="/help/life-events/unexpected-change/redundancy/" aria-label="Losing your job" data-event-component="topnav" data-event-name="Wellbeing: Life events: Losing your job"> Losing your job </a> </li> <li> <a href="/help/life-events/poa/" aria-label="Power of Attorney" data-event-component="topnav" data-event-name="Wellbeing: Life events: Power of attorney"> Power of Attorney </a> </li> <li> <a href="/accessibility/mental-health-and-support/" aria-label="Mental health and support" data-event-component="topnav" data-event-name="Wellbeing: Life events: Mental health and support"> Mental health and support </a> </li> </ul> </div> </div> </div> </div> </div> <div class="doormat-highlight sm-12 lg-3"> <div class="doormat-highlight-menu"> <div> <div class="links-group"> <a 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data-event-name="Wellbeing: Money worries: Managing your finances"> Managing your finances </a> </li> <li> <a href="/financial-fitness/rising-cost-of-living/" aria-label="Rising cost of living" data-event-component="topnav" data-event-name="Wellbeing: Money worries: Coronavirus support"> Rising cost of living </a> </li> <li> <a href="/help/card-support/gambling-restrictions/" aria-label="Support for gambling" data-event-component="topnav" data-event-name="Wellbeing: Card support: Support for gambling"> Support for gambling </a> </li> </ul> </div> </div> </div> </div> </div> </div> </li> <li class="header-main-navigation-item" tabindex="0"> <div data-target="header-doormat-5" class="header-mobile-doormat-5 header-doormat-mobile-title sidebar-submenu-trigger"> <span class="icon icon-help hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-title">Help</span> <span class="icon icon-chevron-right hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-subtitle">Service & security</span> </div> <div aria-hidden="true" class="doormat-menu" data-source="header-doormat-5"> <div class="doormat-container row"> <div class="doormat-main sm-12 lg-9"> <div class="row"> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="/help/banking-made-easy/" data-event-component="topnav" data-event-name="Help: Managing your account" class="doormat-heading-link"> <h2 class="doormat-heading">Managing your account</h2> </a> <ul class="doormat-links"> <li> <a href="/financial-fitness/rising-cost-of-living/" aria-label="Rising cost of living"> Rising cost of living </a> </li> <li> <a href="/ways-to-bank/" aria-label="Ways to bank" data-event-component="topnav" data-event-name="Help: Managing your account: Ways to bank"> Ways to bank </a> </li> <li> <a href="/help/card-support/" aria-label="Card support" data-event-component="topnav" data-event-name="Help: Managing your account: Card support"> Card support </a> </li> <li> <a href="/help/banking-made-easy/how-to-set-up-a-direct-debit/" aria-label="Set up or cancel a Direct Debit" data-event-component="topnav" data-event-name="Help: Managing your account: Set up or cancel a direct debit"> Set up or cancel a Direct Debit </a> </li> <li> <a href="https://www.hsbc.co.uk/help/banking-made-easy/how-to-set-up-standing-order/" aria-label="Set up or cancel a standing order" data-event-component="topnav" data-event-name="Help: Managing your account: Set up or cancel a standing order"> Set up or cancel a standing order </a> </li> <li> <a href="/help/card-support/dispute-transaction/" aria-label="Query a transaction" data-event-component="topnav" data-event-name="Help: Managing your account: Query a transaction"> Query a transaction </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="/help/security-centre/" data-event-component="topnav" data-event-name="Help: Fraud and security" class="doormat-heading-link"> <h2 class="doormat-heading">Fraud and security</h2> </a> <ul class="doormat-links"> <li> <a href="/help/security-centre/fraud-guide/" aria-label="Fraud guide" data-event-component="topnav" data-event-name="Help: Fraud and security: Fraud guide"> Fraud guide </a> </li> <li> <a href="/help/security-centre/received-a-text/" aria-label="Received a text?" data-event-component="topnav" data-event-name="Help: Fraud and security: Received a text"> Received a text? </a> </li> <li> <a href="/help/security-centre/hsbc-safeguard/" aria-label="HSBC Safeguard" data-event-component="topnav" data-event-name="Help: Fraud and security: HSBC Safeguard"> HSBC Safeguard </a> </li> <li> <a href="/help/security-centre/secure-key/" aria-label="Secure Key" data-event-component="topnav" data-event-name="Help: Fraud and security: Secure Key"> Secure Key </a> </li> <li> <a 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banking </a> </li> <li> <a href="/ways-to-bank/mobile/" aria-label="Mobile banking" data-event-component="topnav" data-event-name="Help: Digital banking: Mobile banking"> Mobile banking </a> </li> <li> <a href="/ways-to-bank/online-banking/" aria-label="Online banking" data-event-component="topnav" data-event-name="Help: Digital banking: Online banking"> Online banking </a> </li> <li> <a href="/current-accounts/banking-at-home/" aria-label="Banking at home" data-event-component="topnav" data-event-name="Help: Digital banking: Banking at home"> Banking at home </a> </li> <li> <a href="/ways-to-bank/mobile/cheque-deposit/" aria-label="Mobile cheque deposit" data-event-component="topnav" data-event-name="Help: Digital banking: Mobile cheque deposit"> Mobile cheque deposit </a> </li> <li> <a href="/help/security-centre/lost-your-details/" aria-label="Reset your log on details" data-event-component="topnav" data-event-name="Help: Digital banking: Reset your online banking details"> Reset your log on details </a> </li> <li> <a href="/ways-to-bank/mobile/money-management/" aria-label="Mobile money management" data-event-component="topnav" data-event-name="Help: Digital banking: Plan ahead"> Mobile money management </a> </li> </ul> </div> </div> </div> </div> </div> <div class="doormat-highlight sm-12 lg-3"> <div class="doormat-highlight-menu"> <div> <div class="links-group"> <a href="/help/" data-event-component="topnav" data-event-name="Help: Help" class="doormat-heading-link"> <h2 class="doormat-heading">Help</h2> </a> <ul class="doormat-links"> <li> <a href="/help/" aria-label="Customer support" data-event-component="topnav" data-event-name="Help: Help: Customer support"> Customer support </a> </li> <li> <a href="https://www.hsbc.co.uk/help/money-worries/" aria-label="Money worries " data-event-component="topnav" data-event-name="Help: Help: Making payments"> Money worries </a> </li> <li> <a href="/help/feedback-and-complaints/" aria-label="Feedback and complaints" data-event-component="topnav" data-event-name="Help: Help: Feedback and complaints"> Feedback and complaints </a> </li> <li> <a href="/help/digital-banking-help-tool/" aria-label="Digital banking help tool" data-event-component="topnav" data-event-name="Help: Help: Digital banking help tool"> Digital banking help tool </a> </li> <li> <a href="/help/bank-of-england-base-rate/" aria-label="Bank of England base rate" data-event-component="topnav" data-event-name="Help: Help: Bank of England base rate"> Bank of England base rate </a> </li> <li> <a href="/help/banking-made-easy/making-payments/" aria-label="Making payments" data-event-component="topnav" data-event-name="Help: Help: Making payments"> Making payments </a> </li> <li> <a href="/accessibility/" aria-label="Accessibility and disability" data-event-component="topnav" data-event-name="Help: Help: Accessibility and disability"> Accessibility and disability </a> </li> <li> <a href="/sustainability/" aria-label="Sustainability" data-event-component="topnav" data-event-name="Help: Help: Sustainability"> Sustainability </a> </li> </ul> </div> </div> </div> </div> </div> </div> </li> </ul> </nav> </div> </div> </div> <div class="header-mobile"> <div class="header-mobile-top hide-on-desktop"> <button class="header-sidebar-trigger" aria-label="Open menu" data-aria-label-open-menu="Open menu" data-aria-label-close-menu="Close menu"> <span class="icon icon-menu" aria-hidden="true"></span> <span class="header-sidebar-trigger-text">Menu</span> </button> <nav id="sidebar" class="header-mobile-sidebar hide-on-desktop"> <div class="header-mobile-sidebar-content"> <div class="close-submenu-trigger" role="button" tabindex="0" aria-label="Close Submenu"> <span class="icon icon-chevron-left" aria-hidden="true"></span> </div> <ul class="header-mobile-doormat" role="menubar"> <li class="header-main-navigation-item" tabindex="0"> <div data-target="header-doormat-0" class="header-mobile-doormat-0 header-doormat-mobile-title sidebar-submenu-trigger"> <span class="icon icon-banking hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-title">Banking</span> <span class="icon icon-chevron-right hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-subtitle">Accounts & services</span> </div> <div aria-hidden="true" class="doormat-menu" data-source="header-doormat-0"> <div class="doormat-container row"> <div class="doormat-main sm-12 lg-9"> <div class="row"> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/current-accounts/" data-event-component="topnav" data-event-name="Banking: Current accounts" class="doormat-heading-link"> <h2 class="doormat-heading">Current accounts</h2> </a> <ul class="doormat-links"> <li> <a href="/current-accounts/products/premier/" aria-label="Premier Account" data-event-component="topnav" data-event-name="Banking: Current accounts: Premier Account"> Premier Account </a> </li> <li> <a href="https://www.hsbc.co.uk/current-accounts/products/bank-account/" aria-label="Bank Account" data-event-component="topnav" data-event-name="Banking: Current accounts: Bank Account"> Bank Account </a> </li> <li> <a href="https://www.hsbc.co.uk/current-accounts/products/advance/" aria-label="Advance Account" data-event-component="topnav" data-event-name="Banking: Current accounts: Advance Account"> Advance Account </a> </li> <li> <a href="https://www.hsbc.co.uk/current-accounts/products/student/" aria-label="Student Account" data-event-component="topnav" data-event-name="Banking: Current accounts: Student Account"> Student Account </a> </li> <li> <a href="https://www.hsbc.co.uk/current-accounts/products/international-student/" aria-label="International Student Account" data-event-component="topnav" data-event-name="Banking: Current accounts: International student account"> International Student Account </a> </li> <li> <a href="https://www.hsbc.co.uk/current-accounts/products/children/" aria-label="Children's Account" data-event-component="topnav" data-event-name="Banking: Current accounts: Childrens Account"> Children's Account </a> </li> <li> <a href="https://www.business.hsbc.uk/en-gb/products-and-solutions/business-accounts" aria-label="Business accounts" data-event-component="topnav" data-event-name="Banking: Current accounts: Business accounts"> Business accounts </a> </li> <li> <a href="/current-accounts/products/jade/private-bank/" aria-label="Private Banking Account" data-event-component="topnav" data-event-name="Banking: Current accounts: Private Banking Account"> Private Banking Account </a> </li> <li> <a href="https://www.hsbc.co.uk/current-accounts/products/" aria-label="See all current accounts" data-event-component="topnav" data-event-name="Banking: Current accounts: See all current accounts"> See all current accounts </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/savings/" data-event-component="topnav" data-event-name="Banking: Savings accounts" class="doormat-heading-link"> <h2 class="doormat-heading">Savings accounts</h2> </a> <ul class="doormat-links"> <li> <a href="/savings/products/fixed-rate-isa/" aria-label="Fixed Rate Cash ISA" data-event-component="topnav" data-event-name="Banking: Savings:Fixed Rate Cash ISA"> Fixed Rate Cash ISA </a> </li> <li> <a href="https://www.hsbc.co.uk/savings/products/online-bonus-saver/" aria-label=" Online Bonus Saver" data-event-component="topnav" data-event-name="Banking: Savings: Online Bonus Saver"> Online Bonus Saver </a> </li> <li> <a href="https://www.hsbc.co.uk/savings/products/regular-saver/" aria-label="Regular Savings Account" data-event-component="topnav" data-event-name="Banking: Savings: Regular Savings Account"> Regular Savings Account </a> </li> <li> <a href="https://www.hsbc.co.uk/savings/products/cash-isa/" aria-label="Loyalty Cash ISA" data-event-component="topnav" data-event-name="Banking: Savings: Loyalty Cash ISA"> Loyalty Cash ISA </a> </li> <li> <a href="https://www.hsbc.co.uk/savings/products/fixed-rate/" aria-label="Fixed Rate Savings Account" data-event-component="topnav" data-event-name="Banking: Savings: Fixed Rate Savings Account"> Fixed Rate Savings Account </a> </li> <li> <a href="https://www.hsbc.co.uk/savings/products/mysavings/" aria-label="Children’s Savings Account" data-event-component="topnav" data-event-name="Banking: Savings: Children’s Savings Account"> Children’s Savings Account </a> </li> <li> <a href="https://www.hsbc.co.uk/savings/easy-access-accounts/" aria-label="Easy access savings accounts" data-event-component="topnav" data-event-name="Banking: Savings: easy access savings accounts"> Easy access savings accounts </a> </li> <li> <a href="https://www.hsbc.co.uk/savings/compare/" aria-label="Compare savings accounts" data-event-component="topnav" data-event-name="Banking: Savings: Compare savings accounts"> Compare savings accounts </a> </li> <li> <a href="https://www.hsbc.co.uk/savings/products/" aria-label="See all savings accounts" data-event-component="topnav" data-event-name="Banking: Savings: See all savings accounts"> See all savings accounts </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/international/" data-event-component="topnav" data-event-name="Banking: International services" class="doormat-heading-link"> <h2 class="doormat-heading">International services</h2> </a> <ul class="doormat-links"> <li> <a href="/current-accounts/products/global-money/" aria-label="Global Money Account" data-event-component="topnav" data-event-name="Global Money Account"> Global Money Account </a> </li> <li> <a href="https://www.hsbc.co.uk/international/using-your-card-abroad/" aria-label="Using your card outside the UK" data-event-component="topnav" data-event-name="Banking: International Services: Using your card outside the UK"> Using your card outside the UK </a> </li> <li> <a href="https://www.hsbc.co.uk/international/travel-money/" aria-label="Travel Money" data-event-component="topnav" data-event-name="Banking: International Services: Travel Money"> Travel Money </a> </li> <li> <a href="https://www.hsbc.co.uk/international/money-transfer/" aria-label="International payments" data-event-component="topnav" data-event-name="Banking: International Services: International payments"> International payments </a> </li> <li> <a href="https://www.hsbc.co.uk/international/currency-account/" aria-label="Currency Account" data-event-component="topnav" data-event-name="Banking: International Services: Currency Account"> Currency Account </a> </li> <li> <a href="https://www.hsbc.co.uk/international/overseas-account-opening/" aria-label="Opening an account outside the UK" data-event-component="topnav" data-event-name="Banking: International Services: International Bank Account"> Opening an account outside the UK </a> </li> <li> <a href="/international/apply-for-a-uk-account/" aria-label="Open a UK account" data-event-component="topnav" data-event-name="Banking: International Services: Open a UK account"> Open a UK account </a> </li> <li> <a href="https://www.hsbc.co.uk/international/" aria-label="See all international services" data-event-component="topnav" data-event-name="Banking: International Services: See all international services"> See all international services </a> </li> </ul> </div> </div> </div> </div> </div> <div class="doormat-highlight sm-12 lg-3"> <div class="doormat-highlight-menu"> <div> <div class="links-group"> <h2 class="doormat-heading">Already banking with us?</h2> <ul class="doormat-links"> <li> <a href="/current-accounts/existing-customers/" aria-label="Existing customers" data-event-component="topnav" data-event-name="Banking: Already banking with us: Existing customers"> Existing customers </a> </li> <li> <a href="https://www.hsbc.co.uk/help/money-worries/" aria-label="Money worries " data-event-component="topnav" data-event-name="Banking: Already banking with us: Mobile banking "> Money worries </a> </li> <li> <a href="https://www.hsbc.co.uk/help/banking-made-easy/" aria-label="Manage your account" data-event-component="topnav" data-event-name="Banking: Already banking with us: Manage your account"> Manage your account </a> </li> <li> <a href="https://www.hsbc.co.uk/ways-to-bank/mobile/" aria-label="Mobile banking " data-event-component="topnav" data-event-name="Banking: Already banking with us: Mobile banking "> Mobile banking </a> </li> <li> <a href="https://www.hsbc.co.uk/ways-to-bank/online-banking/" aria-label="Online banking" data-event-component="topnav" data-event-name="Banking: Already banking with us: Online banking"> Online banking </a> </li> <li> <a href="https://www.hsbc.co.uk/current-accounts/products/overdrafts/" aria-label="Overdrafts" data-event-component="topnav" data-event-name="Banking: Already banking with us: Overdrafts "> Overdrafts </a> </li> <li> <a href="https://www.hsbc.co.uk/current-accounts/products/overdraft-calculator/" aria-label="Overdraft calculator" data-event-component="topnav" data-event-name="Banking: Already banking with us: Overdraft calculator"> Overdraft calculator </a> </li> </ul> </div> </div> </div> </div> </div> </div> </li> <li class="header-main-navigation-item" tabindex="0"> <div data-target="header-doormat-1" class="header-mobile-doormat-1 header-doormat-mobile-title sidebar-submenu-trigger"> <span class="icon icon-borrowing hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-title">Borrowing</span> <span class="icon icon-chevron-right hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-subtitle">Short & long-term</span> </div> <div aria-hidden="true" class="doormat-menu" data-source="header-doormat-1"> <div class="doormat-container row"> <div class="doormat-main sm-12 lg-9"> <div class="row"> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/credit-cards/" data-event-component="topnav" data-event-name="Borrowing: Credit cards" class="doormat-heading-link"> <h2 class="doormat-heading">Credit cards</h2> </a> <ul class="doormat-links"> <li> <a href="/credit-cards/balance-transfer-credit-cards/" aria-label="Balance transfer credit cards" data-event-component="topnav" data-event-name="Borrowing: Credit cards: Balance transfer cards"> Balance transfer credit cards </a> </li> <li> <a href="https://www.hsbc.co.uk/credit-cards/purchase-credit-cards/" aria-label="Purchase cards" data-event-component="topnav" data-event-name="Borrowing: Credit cards: Purchase cards"> Purchase cards </a> </li> <li> <a href="https://www.hsbc.co.uk/credit-cards/rewards-credit-cards/" aria-label="Rewards cards" data-event-component="topnav" data-event-name="Borrowing: Credit cards: reward cards"> Rewards cards </a> </li> <li> <a href="https://www.hsbc.co.uk/credit-cards/credit-builder-credit-cards/" aria-label="Credit building cards" data-event-component="topnav" data-event-name="Borrowing: Credit cards: Credit building cards"> Credit building cards </a> </li> <li> <a href="https://www.hsbc.co.uk/credit-cards/premier-credit-cards/" aria-label="Premier cards" data-event-component="topnav" data-event-name="Borrowing: Credit cards: Premier cards"> Premier cards </a> </li> <li> <a href="/loans/ways-to-borrow/" aria-label="Ways to borrow"> Ways to borrow </a> </li> <li> <a href="/credit-cards/eligibility-checker/" aria-label="Credit card eligibility checker" data-event-component="topnav" data-event-name="Borrowing: Credit cards: credit card eligibility checker"> Credit card eligibility checker </a> </li> <li> <a href="https://www.hsbc.co.uk/credit-cards/products/" aria-label="See all credit cards" data-event-component="topnav" data-event-name="Borrowing: Credit cards: See all credit cards"> See all credit cards </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/loans/" data-event-component="topnav" data-event-name="Borrowing: Loans" class="doormat-heading-link"> <h2 class="doormat-heading">Loans</h2> </a> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/loans/products/personal/" aria-label="Personal Loan" data-event-component="topnav" data-event-name="Borrowing: Loans: Personal Loan"> Personal Loan </a> </li> <li> <a href="https://www.hsbc.co.uk/loans/products/premier/" aria-label="Premier Loan" data-event-component="topnav" data-event-name="Borrowing: Loans: Premier Loan"> Premier Loan </a> </li> <li> <a href="https://www.hsbc.co.uk/loans/products/car-loan/" aria-label="Car Loan" data-event-component="topnav" data-event-name="Borrowing: Loans: Car Loan"> Car Loan </a> </li> <li> <a href="https://www.hsbc.co.uk/loans/products/home-improvements/" aria-label="Home Improvement Loan" data-event-component="topnav" data-event-name="Borrowing: Loans: Home Improvement Loan"> Home Improvement Loan </a> </li> <li> <a href="https://www.hsbc.co.uk/loans/products/top-up-loans/" aria-label="Top up your loan" data-event-component="topnav" data-event-name="Borrowing: Loans: Top up your loan"> Top up your loan </a> </li> <li> <a href="/loans/ways-to-borrow/" aria-label="Ways to borrow"> Ways to borrow </a> </li> <li> <a href="/loans/products/debt-consolidation/" aria-label="Debt Consolidation Loan"> Debt Consolidation Loan </a> </li> <li> <a href="/loans/flexipay/" aria-label="HSBC Flexipay"> HSBC Flexipay </a> </li> <li> <a href="https://www.hsbc.co.uk/loans/" aria-label="See all loans" data-event-component="topnav" data-event-name="Borrowing: Loans: See all loans"> See all loans </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/mortgages/" data-event-component="topnav" data-event-name="Borrowing: Mortgages" class="doormat-heading-link"> <h2 class="doormat-heading">Mortgages</h2> </a> <ul class="doormat-links"> <li> <a href="/mortgages/existing-customers/switch/" aria-label="Switch your mortgage rate"> Switch your mortgage rate </a> </li> <li> <a href="https://www.hsbc.co.uk/mortgages/move-your-mortgage/" aria-label="Remortgage to HSBC" data-event-component="topnav" data-event-name="Borrowing: Mortgages: Remortgage to HSBC"> Remortgage to HSBC </a> </li> <li> <a href="https://www.hsbc.co.uk/mortgages/first-time-buyers/" aria-label="First-time buyers" data-event-component="topnav" data-event-name="Borrowing: Mortgages: First-time Buyers"> First-time buyers </a> </li> <li> <a href="https://www.hsbc.co.uk/mortgages/how-to-apply/" aria-label="Get a decision in principle" data-event-component="topnav" data-event-name="Borrowing: Mortgages: Get a decision in principle"> Get a decision in principle </a> </li> <li> <a href="/mortgages/moving-home/" aria-label="Moving home" data-event-component="topnav" data-event-name="Borrowing: Mortgages: 95% mortgages"> Moving home </a> </li> <li> <a href="https://www.hsbc.co.uk/mortgages/our-rates/" aria-label="Mortgage rates" data-event-component="topnav" data-event-name="Borrowing: Mortgages: Mortgage rates"> Mortgage rates </a> </li> <li> <a href="https://www.hsbc.co.uk/mortgages/calculators/" aria-label="Mortgage calculators" data-event-component="topnav" data-event-name="Borrowing: Mortgages: Calculators"> Mortgage calculators </a> </li> <li> <a href="/mortgages/application-in-progress/" aria-label="Continue my application"> Continue my application </a> </li> </ul> </div> </div> </div> </div> </div> <div class="doormat-highlight sm-12 lg-3"> <div class="doormat-highlight-menu"> <div> <div class="links-group"> <h2 class="doormat-heading">Already borrowing with us?</h2> <ul class="doormat-links"> <li> <a href="/mortgages/cost-of-living-support/" aria-label="Mortgage charter" data-event-component="topnav" data-event-name="Borrowing: Already borrowing with us: Mortgage charter"> Mortgage charter </a> </li> <li> <a href="/mortgages/existing-customers/" aria-label="Manage your existing mortgage" data-event-component="topnav" data-event-name="Borrowing: Already borrowing with us: Manage your existing mortgage"> Manage your existing mortgage </a> </li> <li> <a href="https://www.hsbc.co.uk/help/money-worries/" aria-label="Money worries " data-event-component="topnav" data-event-name="Borrowing: Mortgage payment support"> Money worries </a> </li> <li> <a href="/help/money-worries/mortgage-payments/" aria-label="Mortgage payment support" data-event-component="topnav" data-event-name="Borrowing: Mortgage payment support"> Mortgage payment support </a> </li> <li> <a href="/credit-cards/existing-customers/" aria-label="Manage your credit card" data-event-component="topnav" data-event-name="Borrowing: Already borrowing with us: Manage your cards"> Manage your credit card </a> </li> <li> <a href="/credit-cards/fees/" aria-label="Credit card fees and rates"> Credit card fees and rates </a> </li> <li> <a href="/help/bank-of-england-base-rate/" aria-label="Base rate information" data-event-component="topnav" data-event-name="Borrowing: Already borrowing with us: Base rate information"> Base rate information </a> </li> <li> <a href="/credit-cards/credit-card-repayment-calculator/" aria-label="Credit card repayment calculator"> Credit card repayment calculator </a> </li> </ul> </div> </div> </div> </div> </div> </div> </li> <li class="header-main-navigation-item" tabindex="0"> <div data-target="header-doormat-2" class="header-mobile-doormat-2 header-doormat-mobile-title sidebar-submenu-trigger"> <span class="icon icon-investment hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-title">Investing</span> <span class="icon icon-chevron-right hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-subtitle">Products & planning</span> </div> <div aria-hidden="true" class="doormat-menu" data-source="header-doormat-2"> <div class="doormat-container row"> <div class="doormat-main sm-12 lg-9"> <div class="row"> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/investments/" data-event-component="topnav" data-event-name="Investing: Ways to invest" class="doormat-heading-link"> <h2 class="doormat-heading">Investing</h2> </a> <ul class="doormat-links"> <li> <a href="/investments/new-to-investing/" aria-label="New to investing?" data-event-component="topnav" data-event-name="investing: way to invest: new to investing"> New to investing? </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/isas/" aria-label="Stocks & shares ISA" data-event-component="topnav" data-event-name="Investing: Ways to invest: Invest in an ISA"> Stocks & shares ISA </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/funds/" aria-label="Invest in funds" data-event-component="topnav" data-event-name="Investing: Ways to invest: Invest in funds"> Invest in funds </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/products/invest-direct/" aria-label="Invest in shares" data-event-component="topnav" data-event-name="Investing: Ways to invest: Invest in invest-direct"> Invest in shares </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/products/" aria-label="See all investments" data-event-component="topnav" data-event-name="Investing: Ways to invest: Invest in products"> See all investments </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/investments/advice/" data-event-component="topnav" data-event-name="Investing: Your advice options" class="doormat-heading-link"> <h2 class="doormat-heading">Advice</h2> </a> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/investments/advice/financial-advice/" aria-label="Financial advice" data-event-component="topnav" data-event-name="Investing: Your advice options: Financial advice"> Financial advice </a> </li> <li> <a href="/investments/advice/premier-investment-management-service/" aria-label="Premier investment management" data-event-component="topnav" data-event-name="Investing: Your advice options: Premier investment management"> Premier investment management </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/protection-advice/" aria-label="Protection advice" data-event-component="topnav" data-event-name="Investing: Your advice options: Protection advice"> Protection advice </a> </li> </ul> </div> <div class="links-group"> <a href="https://www.hsbc.co.uk/retirement/" data-event-component="topnav" data-event-name="Investing: Visualise your retirement" class="doormat-heading-link"> <h2 class="doormat-heading">Retirement</h2> </a> <ul class="doormat-links"> <li> <a href="https://retirementcalculator.hsbc.co.uk" aria-label="Retirement calculator" data-event-component="topnav" data-event-name="Investing: Visualise your retirement: Retirement calculator"> Retirement calculator </a> </li> <li> <a href="https://www.hsbc.co.uk/retirement/investing-for-retirement/" aria-label="Investing for retirement" data-event-component="topnav" data-event-name="Investing: Visualise your retirement: Investing for retirement"> Investing for retirement </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/wealth/planning/" data-event-component="topnav" data-event-name="Investing: Improve your knowledge " class="doormat-heading-link"> <h2 class="doormat-heading">Wealth planning </h2> </a> <ul class="doormat-links"> <li> <a href="/wealth/planning/future-planner/" aria-label="Future Planner " data-event-component="topnav" data-event-name="Future Planner "> Future Planner </a> </li> <li> <a href="/investments/goal-based-investing/" aria-label="Investment goals" data-event-component="topnav" data-event-name="Investing: Ways to invest: Investment goals"> Investment goals </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/financial-action-plan" aria-label="Your financial action plan" data-event-component="topnav" data-event-name="Investing: Invest in yourself: Your financial action plan"> Your financial action plan </a> </li> <li> <a href="/wealth/investment-calculator/" aria-label="Investment calculator" data-event-component="topnav" data-event-name="Investing: Invest in yourself: Investment calculator"> Investment calculator </a> </li> <li> <a href="/wealth/education-calculator/" aria-label="Children’s education calculator" data-event-component="topnav" data-event-name="investing: improve your knowledge: children's education calculator"> Children’s education calculator </a> </li> <li> <a href="https://www.hsbc.co.uk/wealth/insights/" aria-label="Wealth Insights" data-event-component="topnav" data-event-name="Investing: Invest in yourself: HSBC Wealth insights"> Wealth Insights </a> </li> </ul> </div> <div class="links-group"> <ul class="doormat-links"> </ul> </div> </div> </div> </div> </div> <div class="doormat-highlight sm-12 lg-3"> <div class="doormat-highlight-menu"> <div> <div class="links-group"> <h2 class="doormat-heading">Already investing with us?</h2> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/investments/existing-customers/" aria-label="Manage your investments" data-event-component="topnav" data-event-name="Investing: Already investing with us?: Manage your investments"> Manage your investments </a> </li> <li> <a href="/investments/existing-customers/goal-based-investing/" aria-label="How to use investment goals" data-event-component="topnav" data-event-name="Investing: Already investing with us?: How to use investment goals"> How to use investment goals </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/existing-customers/global-investment-centre/" aria-label="How to use our Global Investment Centre" data-event-component="topnav" data-event-name="Investing: Already investing with us?: How to buy and sell funds"> How to use our Global Investment Centre </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/existing-customers/invest-direct/" aria-label="How to use InvestDirect" data-event-component="topnav" data-event-name="Investing: Already investing with us?: How to buy and sell shares"> How to use InvestDirect </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/products/onshore-investment-bond/" aria-label="Onshore Investment Bond" data-event-component="topnav" data-event-name="Investing: Already investing with us?: Onshore Investment Bond"> Onshore Investment Bond </a> </li> <li> <a href="https://www.hsbc.co.uk/investments/products/child-trust-fund/" aria-label="Child Trust Fund" data-event-component="topnav" data-event-name="Investing:Already investing with us?: Child Trust Fund"> Child Trust Fund </a> </li> <li> <a href="/investments/existing-customers/flexible-retirement-account/" aria-label="Manage your Flexible Retirement Account" data-event-component="topnav" data-event-name="Investing: Already investing with us?: Manage your Flexible Retirement Account"> Manage your Flexible Retirement Account </a> </li> </ul> </div> </div> </div> </div> </div> </div> </li> <li class="header-main-navigation-item" tabindex="0"> <div data-target="header-doormat-3" class="header-mobile-doormat-3 header-doormat-mobile-title sidebar-submenu-trigger"> <span class="icon icon-insurance hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-title">Insurance</span> <span class="icon icon-chevron-right hide-on-desktop" aria-hidden="true"></span> <span class="header-main-navigation-subtitle">Property & family</span> </div> <div aria-hidden="true" class="doormat-menu" data-source="header-doormat-3"> <div class="doormat-container row"> <div class="doormat-main sm-12 lg-9"> <div class="row"> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="/insurance/" data-event-component="topnav" data-event-name="Insurance: Insurance" class="doormat-heading-link"> <h2 class="doormat-heading">Insurance</h2> </a> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/insurance/home/" aria-label="Home Insurance" data-event-component="topnav" data-event-name="Insurance: Insurance: Home Insurance"> Home Insurance </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/contents/" aria-label="Contents Insurance" data-event-component="topnav" data-event-name="Insurance: Insurance: Contents Insurance"> Contents Insurance </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/travel/" aria-label="Travel Insurance" data-event-component="topnav" data-event-name="Banking: Insurance: Travel Insurance"> Travel Insurance </a> </li> <li> <a href="https://www.business.hsbc.uk/en-gb/products-and-solutions/insurance" aria-label="Small Business Insurance" data-event-component="topnav" data-event-name="Banking: Insurance: Small Business Insurance"> Small Business Insurance </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/" aria-label="See all insurance" data-event-component="topnav" data-event-name="Insurance: Insurance: See all insurance"> See all insurance </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <a href="https://www.hsbc.co.uk/insurance/life/" data-event-component="topnav" data-event-name="Insurance: Life:" class="doormat-heading-link"> <h2 class="doormat-heading">Life</h2> </a> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/insurance/products/life-cover/" aria-label="Life Cover" data-event-component="topnav" data-event-name="Insurance: Life: Life Cover"> Life Cover </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/critical-illness-cover/" aria-label="Critical Illness Cover" data-event-component="topnav" data-event-name="Insurance: Life: Critical Illness Cover"> Critical Illness Cover </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/income-protection/" aria-label="Income Protection Insurance" data-event-component="topnav" data-event-name="Insurance: Life: Income Protection Insurance"> Income Protection Insurance </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/protection-advice/" aria-label="Protection advice" data-event-component="topnav" data-event-name="Insurance: Life: Protection advice"> Protection advice </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/life/" aria-label="See all life insurance" data-event-component="topnav" data-event-name="Insurance: Life: See all life insurance products"> See all life insurance </a> </li> </ul> </div> </div> </div> <div class="doormat-main-column sm-12 lg-4"> <div class="doormat-column-content"> <div class="links-group"> <h2 class="doormat-heading">Claims</h2> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/insurance/products/select-and-cover/claims/" aria-label="Select and Cover claims"> Select and Cover claims </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/home/claims/" aria-label="Home Insurance claims"> Home Insurance claims </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/life/claims/" aria-label="Life Insurance claims" data-event-component="topnav" data-event-name="Insurance: Claims: Life Insurance claims"> Life Insurance claims </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/travel/claims/" aria-label="Travel Insurance claims" data-event-component="topnav" data-event-name="Insurance: Claims: Travel Insurance claims"> Travel Insurance claims </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/aspects/claims/" aria-label="Aspects Insurance claims" data-event-component="topnav" data-event-name="Insurance: Claims: Aspects Insurance claims"> Aspects Insurance claims </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/travel/claims/" aria-label="Premier Travel Insurance claims" data-event-component="topnav" data-event-name="Insurance: Claims: Premier Travel Insurance claims"> Premier Travel Insurance claims </a> </li> </ul> </div> </div> </div> </div> </div> <div class="doormat-highlight sm-12 lg-3"> <div class="doormat-highlight-menu"> <div> <div class="links-group"> <h2 class="doormat-heading">Already insured by us? </h2> <ul class="doormat-links"> <li> <a href="https://www.hsbc.co.uk/insurance/products/select-and-cover/claims/" aria-label="Select and Cover support" data-event-component="topnav" data-event-name="Insurance: Already insured by us?: Select and Cover support"> Select and Cover support </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/home/claims/" aria-label="Home Insurance support" data-event-component="topnav" data-event-name="Insurance: Already insured by us?: Home Insurance support"> Home Insurance support </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/life/claims/" aria-label="Life Insurance support" data-event-component="topnav" data-event-name="Insurance: Already insured by us?: Life Insurance support"> Life Insurance support </a> </li> <li> <a href="https://www.hsbc.co.uk/insurance/products/premier-travel/" aria-label="Premier Travel support" data-event-component="topnav" 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<div id="article_intro_hero_banner_2" class="O-HEROBAN-RW-RBWM hero-type-none"> <div class="A-PNL-RW-ALL"> <h1 class="A-TYP38L-RW-ALL text-container text "> Ways to borrow </h1> <div class="A-PAR16R-RW-ALL text-container text "> Find out about the different borrowing options you could have </div> </div> </div> </div> </div></div> </div> </div></div> </div> </div> <main class="grid O-SMARTSPCGENGRID"> <div class="row with-bg"> <div class="sm-12"> <div class="row"> <div class="lg-9 md-10 hide-on-mobile"> </div> <div class="lg-3 md-2 sm-12"> </div> </div> </div> </div> <div class="row with-bg" aria-label="region3"> <div class="sm-12"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="article_rel_columnControl_1"> <div class="cc cc-columns-75-25 "> <div id="article_rel_columnControlColumn_1" class="cc-column"> <div class="O-TITLE-RW-DEV O-SMARTSPCGEN-DEV"><div id="article_rel_title_1"> <h2 class="A-BBST28R-RW-ALL"> Use our tool to learn about some of the best ways to borrow </h2> <div class="row"> <div class="sm-12 organismsContainer"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="article_rel_richtext_1" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL">Answer a few simple questions and we'll let you know whether to consider a credit card, loan, overdraft or mortgage for your borrowing needs.<br> </p> </div></div> <div class="ctaButton"> <div data-tms-enabled="true" class="eventTrackingWIH" data-tms-category="content" data-tms-action="button" data-tms-content="{link_text}" data-link-text="Get started"></div> <a class="A-BTNP-RW-ALL btn" href="/loans/ways-to-borrow/tool/" target="_self" id="article_rel_button_1"> <span>Get started</span> </a> </div> </div> </div> </div></div> </div> <div id="article_rel_columnControlColumn_2" class="cc-column"> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="article_rel_columnControl_2"> <div class="cc cc-columns-75-25 "> <div id="article_rel_columnControlColumn_3" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="article_rel_heading_1"> Personal loans </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="article_rel_richtext_2" class="remove-bottom-space A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL">A loan is where you borrow a set amount of money for an agreed amount of time. You pay back the full amount – usually in monthly instalments – plus interest. For most fixed-term loans, the amount you pay and the rate of interest is fixed at the outset and won’t change until it’s paid off.</p> </div></div> </div> <div id="article_rel_columnControlColumn_4" class="cc-column"> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="article_rel_columnControl_3"> <div class="cc cc-columns-33-33-33 "> <div id="article_rel_columnControlColumn_5" class="cc-column"> <div class="O-ADVLST-RW-DEV O-SMARTSPCGEN-DEV clearfix"><div id="article_rel_advancedList_1"> <div class="A-TYP22R-RW-ALL title text-container text "> Pros </div> <ul class="list advanced-list"> <li class="element M-SMARTSPCGENELEMENT-DEV"><div class="list-item" id="article_rel_advancedListElement_1"> <span class="icon-container"> <i class="icon icon-circle-confirmation-solid green" aria-hidden="true"></i> </span> <div class="A-TYP16RL-DEV-ALL text-container text "> Suitable for large purchases or consolidating existing borrowing </div> </div> </li> <li class="element M-SMARTSPCGENELEMENT-DEV"><div class="list-item" id="article_rel_advancedListElement_2"> <span class="icon-container"> <i class="icon icon-circle-confirmation-solid green" aria-hidden="true"></i> </span> <div class="A-TYP16RL-DEV-ALL text-container text "> You know exactly how much you need to repay each month </div> </div> </li> </ul> <div class="disclaimer"> </div> </div></div> </div> <div id="article_rel_columnControlColumn_6" class="cc-column"> <div class="O-ADVLST-RW-DEV O-SMARTSPCGEN-DEV clearfix"><div id="article_rel_advancedList_2"> <div class="A-TYP22R-RW-ALL title text-container text "> Cons </div> <ul class="list advanced-list"> <li class="element M-SMARTSPCGENELEMENT-DEV"><div class="list-item" id="article_rel_advancedListElement_3"> <span class="icon-container"> <i class="icon icon-circle-delete " aria-hidden="true"></i> </span> <div class="A-TYP16RL-DEV-ALL text-container text "> Less suitable for smaller purchases eg less than £1,000 </div> </div> </li> <li class="element M-SMARTSPCGENELEMENT-DEV"><div class="list-item" id="article_rel_advancedListElement_4"> <span class="icon-container"> <i class="icon icon-circle-delete " aria-hidden="true"></i> </span> <div class="A-TYP16RL-DEV-ALL text-container text "> Less suitable for short-term borrowing eg less than a year </div> </div> </li> </ul> <div class="disclaimer"> </div> </div></div> </div> <div id="article_rel_columnControlColumn_7" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="article_rel_heading_2"> Next steps </h3> </div> <div class="O-SMARTSPCGEN-DEV M-CONTMAST-RW-RBWM links"> <div> <ul id="article_rel_links_1" class="links-list"> <li> <div id="article_rel_link_1" class="link-container"> <a class="A-LNKST-RW-ALL" href="/loans/loans-explained/" target="_self" data-event-component="text link" data-event-name="Is a loan right for you?"> <span class="link"> Loans explained: everything you need to know </span> <span class="icon icon-chevron-right" aria-hidden="true"></span> </a> </div> </li> <li> <div id="article_rel_link_2" class="link-container"> <a class="A-LNKST-RW-ALL" href="/loans/things-to-check-before-you-apply-for-a-loan/" target="_self" data-event-component="text link" data-event-name="Things to check before you apply for a loan"> <span class="link"> Things to check before you apply for a loan </span> <span class="icon icon-chevron-right" aria-hidden="true"></span> </a> </div> </li> </ul> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV content-buttons"><div id="article_rel_buttons_1"> <div class="clearfix horizontal "> <a class="A-BTNSO-RW-ALL" href="/loans/" target="_self" id="article_rel_button_2" data-event-component="button" data-event-name="Compare our loans"> <span>Compare our loans</span> </a> </div> </div></div> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="article_rel_columnControl_4"> <div class="cc cc-columns-100 "> <div id="article_rel_columnControlColumn_8" class="cc-column"> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="article_rel_columnControl_5"> <div class="cc cc-columns-75-25 "> <div id="article_rel_columnControlColumn_9" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="article_rel_heading_3"> Credit cards<strong></strong> </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="article_rel_richtext_3" class="remove-bottom-space A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL">You can use a credit card to spend up to an agreed credit limit and pay it back later. If you owe money, you have to make at least a minimum payment – a percentage of what you owe – each month. If you don’t repay it in full each month, you’ll usually be charged interest.</p> </div></div> </div> <div id="article_rel_columnControlColumn_10" class="cc-column"> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="article_rel_columnControl_6"> <div class="cc cc-columns-33-33-33 "> <div id="article_rel_columnControlColumn_11" class="cc-column"> <div class="O-ADVLST-RW-DEV O-SMARTSPCGEN-DEV clearfix"><div id="article_rel_advancedList_3"> <div class="A-TYP22R-RW-ALL title text-container text "> <strong>Pros</strong> </div> <ul class="list advanced-list"> <li class="element M-SMARTSPCGENELEMENT-DEV"><div class="list-item" id="article_rel_advancedListElement_5"> <span class="icon-container"> <i class="icon icon-circle-confirmation-solid green" aria-hidden="true"></i> </span> <div class="A-TYP16RL-DEV-ALL text-container text "> Some banks offer interest-free purchase or balance transfer periods and reward programs </div> </div> </li> <li class="element M-SMARTSPCGENELEMENT-DEV"><div class="list-item" id="article_rel_advancedListElement_6"> <span class="icon-container"> <i class="icon icon-circle-confirmation-solid green" aria-hidden="true"></i> </span> <div class="A-TYP16RL-DEV-ALL text-container text "> Flexible monthly repayments </div> </div> </li> </ul> <div class="disclaimer"> </div> </div></div> </div> <div id="article_rel_columnControlColumn_12" class="cc-column"> <div class="O-ADVLST-RW-DEV O-SMARTSPCGEN-DEV clearfix"><div id="article_rel_advancedList_4"> <div class="A-TYP22R-RW-ALL title text-container text "> Cons </div> <ul class="list advanced-list"> <li class="element M-SMARTSPCGENELEMENT-DEV"><div class="list-item" id="article_rel_advancedListElement_7"> <span class="icon-container"> <i class="icon icon-circle-delete " aria-hidden="true"></i> </span> <div class="A-TYP16RL-DEV-ALL text-container text "> Interest can stack up over time if you only make the minimum payment each month </div> </div> </li> </ul> <div class="disclaimer"> </div> </div></div> </div> <div id="article_rel_columnControlColumn_13" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="article_rel_heading_4"> Next steps </h3> </div> <div class="O-SMARTSPCGEN-DEV M-CONTMAST-RW-RBWM links"> <div> <ul id="article_rel_links_2" class="links-list"> <li> <div id="article_rel_link_3" class="link-container"> <a class="A-LNKST-RW-ALL" href="/credit-cards/how-to-get-a-credit-card/" target="_self" data-event-component="text link" data-event-name="How to apply for a credit card"> <span class="link"> How to apply for a credit card </span> <span class="icon icon-chevron-right" aria-hidden="true"></span> </a> </div> </li> <li> <div id="article_rel_link_4" class="link-container"> <a class="A-LNKST-RW-ALL" href="/credit-cards/how-do-credit-cards-work/" target="_self" data-event-component="text link" data-event-name="How do credit cards work?"> <span class="link"> How do credit cards work? </span> <span class="icon icon-chevron-right" aria-hidden="true"></span> </a> </div> </li> <li> <div id="article_rel_link_5" class="link-container"> <a class="A-LNKST-RW-ALL" href="/credit-cards/fees/" target="_self" data-event-component="text link" data-event-name="button:credit card fees rates and charges|component:midshelf|position:3"> <span class="link"> Credit card fees rates and charges </span> <span class="icon icon-chevron-right" aria-hidden="true"></span> </a> </div> </li> </ul> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV content-buttons"><div id="article_rel_buttons_2"> <div class="clearfix horizontal "> <a class="A-BTNSO-RW-ALL" href="/credit-cards/compare/" target="_self" id="article_rel_button_3" data-event-component="button" data-event-name="Compare our credit cards"> <span>Compare our credit cards</span> </a> </div> </div></div> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="article_rel_columnControl_7"> <div class="cc cc-columns-100 "> <div id="article_rel_columnControlColumn_14" class="cc-column"> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="article_rel_columnControl_8"> <div class="cc cc-columns-75-25 "> <div id="article_rel_columnControlColumn_15" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="article_rel_heading_5"> Overdrafts </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="article_rel_richtext_4" class="remove-bottom-space A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL">Bank accounts with arranged overdrafts let you continue spending money from your current account when your balance falls below £0. To help you manage unexpected bills, your arranged overdraft will usually include an interest-free buffer. But once you pass that amount, you’ll be charged interest.</p> </div></div> </div> <div id="article_rel_columnControlColumn_16" class="cc-column"> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="article_rel_columnControl_9"> <div class="cc cc-columns-33-33-33 "> <div id="article_rel_columnControlColumn_17" class="cc-column"> <div class="O-ADVLST-RW-DEV O-SMARTSPCGEN-DEV clearfix"><div id="article_rel_advancedList_5"> <div class="A-TYP22R-RW-ALL title text-container text "> Pros </div> <ul class="list advanced-list"> <li class="element M-SMARTSPCGENELEMENT-DEV"><div class="list-item" id="article_rel_advancedListElement_8"> <span class="icon-container"> <i class="icon icon-circle-confirmation-solid green" aria-hidden="true"></i> </span> <div class="A-TYP16RL-DEV-ALL text-container text "> Some bank accounts offer interest-free buffers on their arranged overdrafts </div> </div> </li> <li class="element M-SMARTSPCGENELEMENT-DEV"><div class="list-item" id="article_rel_advancedListElement_9"> <span class="icon-container"> <i class="icon icon-circle-confirmation-solid green" aria-hidden="true"></i> </span> <div class="A-TYP16RL-DEV-ALL text-container text "> Emergency budgeting </div> </div> </li> </ul> <div class="disclaimer"> </div> </div></div> </div> <div id="article_rel_columnControlColumn_18" class="cc-column"> <div class="O-ADVLST-RW-DEV O-SMARTSPCGEN-DEV clearfix"><div id="article_rel_advancedList_6"> <div class="A-TYP22R-RW-ALL title text-container text "> Cons </div> <ul class="list advanced-list"> <li class="element M-SMARTSPCGENELEMENT-DEV"><div class="list-item" id="article_rel_advancedListElement_10"> <span class="icon-container"> <i class="icon icon-circle-delete " aria-hidden="true"></i> </span> <div class="A-TYP16RL-DEV-ALL text-container text "> Not good for long-term or regular borrowing </div> </div> </li> <li class="element M-SMARTSPCGENELEMENT-DEV"><div class="list-item" id="article_rel_advancedListElement_11"> <span class="icon-container"> <i class="icon icon-circle-delete " aria-hidden="true"></i> </span> <div class="A-TYP16RL-DEV-ALL text-container text "> High interest rate, where interest is charged </div> </div> </li> </ul> <div class="disclaimer"> </div> </div></div> </div> <div id="article_rel_columnControlColumn_19" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="article_rel_heading_6"> Next steps </h3> </div> <div class="O-SMARTSPCGEN-DEV M-CONTMAST-RW-RBWM links"> <div> <ul id="article_rel_links_3" class="links-list"> <li> <div id="article_rel_link_6" class="link-container"> <a class="A-LNKST-RW-ALL" href="/current-accounts/overdrafts-explained/" target="_self" data-event-component="text link" data-event-name="Overdrafts explained "> <span class="link"> Overdrafts explained: everything you need to know </span> <span class="icon icon-chevron-right" aria-hidden="true"></span> </a> </div> </li> <li> <div id="article_rel_link_7" class="link-container"> <a class="A-LNKST-RW-ALL" href="/current-accounts/products/overdraft-calculator/" target="_self" data-event-component="text link" data-event-name="Overdraft calculator"> <span class="link"> Overdraft calculator </span> <span class="icon icon-chevron-right" aria-hidden="true"></span> </a> </div> </li> </ul> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV content-buttons"><div id="article_rel_buttons_3"> <div class="clearfix horizontal "> <a class="A-BTNSO-RW-ALL" href="/current-accounts/products/overdrafts/" target="_self" id="article_rel_button_4" data-event-component="button" data-event-name="Find out more"> <span aria-hidden="true">Find out more</span> <span class="visuallyhidden">Find out more about applying for an overdraft </span> </a> </div> </div></div> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="article_rel_columnControl_10"> <div class="cc cc-columns-75-25 "> <div id="article_rel_columnControlColumn_20" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="article_rel_heading_7"> Borrow more on your mortgage </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="article_rel_richtext_5" class="remove-bottom-space A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL">Borrowing more on your mortgage involves taking on more lending from your current mortgage lender. Typically with a mortgage, you'll pay the loan back on a monthly basis and you'll need to make sure you can afford your repayment because it is secured against your home.</p> <p class="A-PAR16R-RW-ALL">Consider this option for larger purchases with repayment over a longer period, typically over £10k and 60 months.</p> </div></div> </div> <div id="article_rel_columnControlColumn_21" class="cc-column"> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="article_rel_columnControl_11"> <div class="cc cc-columns-33-33-33 "> <div id="article_rel_columnControlColumn_22" class="cc-column"> <div class="O-ADVLST-RW-DEV O-SMARTSPCGEN-DEV clearfix"><div id="article_rel_advancedList_7"> <div class="A-TYP22R-RW-ALL title text-container text "> Pros </div> <ul class="list advanced-list"> <li class="element M-SMARTSPCGENELEMENT-DEV"><div class="list-item" id="article_rel_advancedListElement_12"> <span class="icon-container"> <i class="icon icon-circle-confirmation-solid green" aria-hidden="true"></i> </span> <div class="A-TYP16RL-DEV-ALL text-container text "> Frees up funds for large purchases </div> </div> </li> <li class="element M-SMARTSPCGENELEMENT-DEV"><div class="list-item" id="article_rel_advancedListElement_13"> <span class="icon-container"> <i class="icon icon-circle-confirmation-solid green" aria-hidden="true"></i> </span> <div class="A-TYP16RL-DEV-ALL text-container text "> Usually lower interest rates with longer repayment periods available </div> </div> </li> </ul> <div class="disclaimer"> </div> </div></div> </div> <div id="article_rel_columnControlColumn_23" class="cc-column"> <div class="O-ADVLST-RW-DEV O-SMARTSPCGEN-DEV clearfix"><div id="article_rel_advancedList_8"> <div class="A-TYP22R-RW-ALL title text-container text "> Cons </div> <ul class="list advanced-list"> <li class="element M-SMARTSPCGENELEMENT-DEV"><div class="list-item" id="article_rel_advancedListElement_14"> <span class="icon-container"> <i class="icon icon-circle-delete " aria-hidden="true"></i> </span> <div class="A-TYP16RL-DEV-ALL text-container text "> Paid back over longer period therefore could pay more interest </div> </div> </li> <li class="element M-SMARTSPCGENELEMENT-DEV"><div class="list-item" id="article_rel_advancedListElement_15"> <span class="icon-container"> <i class="icon icon-circle-delete " aria-hidden="true"></i> </span> <div class="A-TYP16RL-DEV-ALL text-container text "> Secured against your home, so you could lose it if you miss payments </div> </div> </li> </ul> <div class="disclaimer"> </div> </div></div> </div> <div id="article_rel_columnControlColumn_24" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="article_rel_heading_8"> Next steps </h3> </div> <div class="O-SMARTSPCGEN-DEV M-CONTMAST-RW-RBWM links"> <div> <ul id="article_rel_links_4" class="links-list"> <li> <div id="article_rel_link_8" class="link-container"> <a class="A-LNKST-RW-ALL" href="/mortgages/what-is-home-equity/" target="_self" data-event-component="text link" data-event-name=" What is home equity?"> <span class="link"> What is home equity? </span> <span class="icon icon-chevron-right" aria-hidden="true"></span> </a> </div> </li> </ul> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV content-buttons"><div id="article_rel_buttons_4"> <div class="clearfix horizontal "> <a class="A-BTNSO-RW-ALL" href="/mortgages/existing-customers/borrow-more/" target="_self" id="article_rel_button_5" data-event-component="button" data-event-name="Apply for a home loan"> <span>Apply for a home loan</span> </a> </div> </div></div> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="article_rel_columnControl_12"> <div class="cc cc-columns-100 "> <div id="article_rel_columnControlColumn_25" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="article_rel_richtext_6" class=" A-PAR16R-RW-ALL-WRAPPER" data-date-format="M/D/YYYY" data-time-format="HH:MM:SS A" data-zone="America/New_York"> <p class="A-PAR16R-RW-ALL"><strong>Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up with repayments on your mortgage.</strong></p> </div></div> </div> </div> </div> </div> <div class="O-SMARTSPCGEN-DEV M-CONTMAST-RW-RBWM M-BSCTBL-RW-RBWM"><div data-accessibility-tick-icon-text="Yes" data-accessibility-cross-icon-text="No" id="article_rel_basicTable_1" class="table-wrapper "> <table class="desktop"> <caption> <h2 class="A-BBST28R-RW-ALL text-container text "> Find the right option for you </h2> <div class="A-PAR16R-RW-ALL text-container text "> <p>Depending on what you want to do, some borrowing options are more suitable than others. Which one is right for you will depend on your personal circumstances. You need to consider your borrowing needs, how much you want to borrow, how long you need to pay it back and your current financial situation.</p> <p> </p> <p>Here are some of the most common reasons to borrow money and how you could fund them. Other options may be available, if you're uncertain which one is best for you, please speak to an adviser. We also have a useful guide to <a href="https://www.hsbc.co.uk/financial-fitness/managing-debt/buy-now-pay-later-what-you-need-to-know/">Buy now pay later</a> (BNPL), explaining how it works and whether it might affect your credit score.<br> </p> </div> </caption> <thead><tr> <th scope="col" style="text-align: center;">Reason to borrow</th> <th scope="col" style="text-align: center;">Credit card</th> <th scope="col" style="text-align: center;">Personal loan</th> <th scope="col" style="text-align: center;">Overdraft</th> <th scope="col"><p>Borrow more on your mortgage</p> <p> </p> <p class="A-TYPSP-RW-ALL">This borrowing is secured against your property.</p></th> </tr></thead> <tbody><tr> <th scope="row">Buying a car</th> <td><span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"></span></span> </span>(if the car's low value, or there's a purchase offer on card<br></td> <td><span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span></td> <td><span class="icon-wrap"><span class="icon icon-minimize"><span class="visuallyhidden"> </span></span></span></td> <td><span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"></span></span> </span>(for larger purchases with repayment over a longer period)<br></td> </tr> <tr> <th scope="row">Holiday and flights</th> <td><span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span></td> <td><span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span></td> <td><span class="icon-wrap"><span class="icon icon-minimize"><span class="visuallyhidden"> </span></span></span></td> <td><span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"></span></span> </span>(for larger purchases with repayment over a longer period)<br></td> </tr> <tr> <th scope="row">Day-to-day spending</th> <td><p><span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span></p> <p>(if you repay your balances each month)<br></p></td> <td><span class="icon-wrap"><span class="icon icon-minimize"><span class="visuallyhidden"> </span></span></span></td> <td><span class="icon-wrap"><span class="icon icon-minimize"><span class="visuallyhidden"> </span></span></span></td> <td><span class="icon-wrap"><span class="icon icon-minimize"><span class="visuallyhidden"> </span></span></span></td> </tr> <tr> <th scope="row">DIY projects</th> <td><span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span></td> <td><span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span></td> <td><span class="icon-wrap"><span class="icon icon-minimize"><span class="visuallyhidden"> </span></span></span></td> <td><span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"></span></span> </span>(for larger purchases with repayment over a longer period)<br></td> </tr> <tr> <th scope="row">Buying appliances or technology</th> <td><span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span></td> <td><span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span></td> <td><span class="icon-wrap"><span class="icon icon-minimize"><span class="visuallyhidden"> </span></span></span></td> <td><span class="icon-wrap"><span class="icon icon-minimize"><span class="visuallyhidden"> </span></span></span></td> </tr> <tr> <th scope="row">Debt consolidation</th> <td><span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"></span></span> </span>(if there's a balance transfer offer)</td> <td><span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span></td> <td><span class="icon-wrap"><span class="icon icon-minimize"><span class="visuallyhidden"> </span></span></span></td> <td><span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"></span></span> </span>(for larger loans with repayment over a longer period)<br></td> </tr> <tr> <th scope="row">Vehicle repairs</th> <td><span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span></td> <td><span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span></td> <td><p><span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span></p> <p>(if cost can be repaid in the short-term)<br></p></td> <td><span class="icon-wrap"><span class="icon icon-minimize"><span class="visuallyhidden"> </span></span></span></td> </tr> <tr> <th scope="row">Unexpected household / utility bills</th> <td><span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span></td> <td><span class="icon-wrap"><span class="icon icon-minimize"><span class="visuallyhidden"> </span></span></span></td> <td><span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span></td> <td><span class="icon-wrap"><span class="icon icon-minimize"><span class="visuallyhidden"> </span></span></span></td> </tr> <tr> <th scope="row">Moving costs</th> <td><span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span></td> <td><span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span></td> <td><span class="icon-wrap"><span class="icon icon-minimize"><span class="visuallyhidden"> </span></span></span></td> <td><span class="icon-wrap"><span class="icon icon-minimize"><span class="visuallyhidden"> </span></span></span></td> </tr> <tr> <th scope="row">Home renovation / improvements</th> <td><span class="icon-wrap"><span class="icon icon-minimize"><span class="visuallyhidden"> </span></span></span></td> <td><span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span></td> <td><span class="icon-wrap"><span class="icon icon-minimize"><span class="visuallyhidden"> </span></span></span></td> <td><span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"></span></span> </span>(for larger projects with repayment over a longer period)<br></td> </tr> <tr> <th scope="row"><a href="/loans/products/wedding-loan/">Wedding expenses</a></th> <td><span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span></td> <td><span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span></td> <td><span class="icon-wrap"><span class="icon icon-minimize"><span class="visuallyhidden"> </span></span></span></td> <td><span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"></span></span> </span>(for large expenses with repayment over a longer period)<br></td> </tr></tbody> </table> </div> <table class="non-desktop "> <caption> <h2 class="A-BBST28R-RW-ALL text-container text "> Find the right option for you </h2> <div class="A-PAR16R-RW-ALL text-container text "> <p>Depending on what you want to do, some borrowing options are more suitable than others. Which one is right for you will depend on your personal circumstances. You need to consider your borrowing needs, how much you want to borrow, how long you need to pay it back and your current financial situation.</p> <p> </p> <p>Here are some of the most common reasons to borrow money and how you could fund them. Other options may be available, if you're uncertain which one is best for you, please speak to an adviser. We also have a useful guide to <a href="https://www.hsbc.co.uk/financial-fitness/managing-debt/buy-now-pay-later-what-you-need-to-know/">Buy now pay later</a> (BNPL), explaining how it works and whether it might affect your credit score.<br> </p> </div> </caption> <tbody> <tr> <th scope="row">Reason to borrow</th> <td> Buying a car </td> </tr> <tr> <th scope="row">Credit card</th> <td> <span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"></span></span> </span>(if the car's low value, or there's a purchase offer on card<br> </td> </tr> <tr> <th scope="row">Personal loan</th> <td> <span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span> </td> </tr> <tr> <th scope="row">Overdraft</th> <td> <span class="icon-wrap"><span class="icon icon-minimize"><span class="visuallyhidden"> </span></span></span> </td> </tr> <tr> <th scope="row"><p>Borrow more on your mortgage</p> <p> </p> <p class="A-TYPSP-RW-ALL">This borrowing is secured against your property.</p></th> <td> <span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"></span></span> </span>(for larger purchases with repayment over a longer period)<br> </td> </tr> <tr aria-hidden="true" tabindex="-1" class="hidden-row"> <th></th> <td></td> </tr> <tr> <th scope="row">Reason to borrow</th> <td> Holiday and flights </td> </tr> <tr> <th scope="row">Credit card</th> <td> <span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span> </td> </tr> <tr> <th scope="row">Personal loan</th> <td> <span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span> </td> </tr> <tr> <th scope="row">Overdraft</th> <td> <span class="icon-wrap"><span class="icon icon-minimize"><span class="visuallyhidden"> </span></span></span> </td> </tr> <tr> <th scope="row"><p>Borrow more on your mortgage</p> <p> </p> <p class="A-TYPSP-RW-ALL">This borrowing is secured against your property.</p></th> <td> <span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"></span></span> </span>(for larger purchases with repayment over a longer period)<br> </td> </tr> <tr aria-hidden="true" tabindex="-1" class="hidden-row"> <th></th> <td></td> </tr> <tr> <th scope="row">Reason to borrow</th> <td> Day-to-day spending </td> </tr> <tr> <th scope="row">Credit card</th> <td> <p><span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span></p> <p>(if you repay your balances each month)<br></p> </td> </tr> <tr> <th scope="row">Personal loan</th> <td> <span class="icon-wrap"><span class="icon icon-minimize"><span class="visuallyhidden"> </span></span></span> </td> </tr> <tr> <th scope="row">Overdraft</th> <td> <span class="icon-wrap"><span class="icon icon-minimize"><span class="visuallyhidden"> </span></span></span> </td> </tr> <tr> <th scope="row"><p>Borrow more on your mortgage</p> <p> </p> <p class="A-TYPSP-RW-ALL">This borrowing is secured against your property.</p></th> <td> <span class="icon-wrap"><span class="icon icon-minimize"><span class="visuallyhidden"> </span></span></span> </td> </tr> <tr aria-hidden="true" tabindex="-1" class="hidden-row"> <th></th> <td></td> </tr> <tr> <th scope="row">Reason to borrow</th> <td> DIY projects </td> </tr> <tr> <th scope="row">Credit card</th> <td> <span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span> </td> </tr> <tr> <th scope="row">Personal loan</th> <td> <span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span> </td> </tr> <tr> <th scope="row">Overdraft</th> <td> <span class="icon-wrap"><span class="icon icon-minimize"><span class="visuallyhidden"> </span></span></span> </td> </tr> <tr> <th scope="row"><p>Borrow more on your mortgage</p> <p> </p> <p class="A-TYPSP-RW-ALL">This borrowing is secured against your property.</p></th> <td> <span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"></span></span> </span>(for larger purchases with repayment over a longer period)<br> </td> </tr> <tr aria-hidden="true" tabindex="-1" class="hidden-row"> <th></th> <td></td> </tr> <tr> <th scope="row">Reason to borrow</th> <td> Buying appliances or technology </td> </tr> <tr> <th scope="row">Credit card</th> <td> <span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span> </td> </tr> <tr> <th scope="row">Personal loan</th> <td> <span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span> </td> </tr> <tr> <th scope="row">Overdraft</th> <td> <span class="icon-wrap"><span class="icon icon-minimize"><span class="visuallyhidden"> </span></span></span> </td> </tr> <tr> <th scope="row"><p>Borrow more on your mortgage</p> <p> </p> <p class="A-TYPSP-RW-ALL">This borrowing is secured against your property.</p></th> <td> <span class="icon-wrap"><span class="icon icon-minimize"><span class="visuallyhidden"> </span></span></span> </td> </tr> <tr aria-hidden="true" tabindex="-1" class="hidden-row"> <th></th> <td></td> </tr> <tr> <th scope="row">Reason to borrow</th> <td> Debt consolidation </td> </tr> <tr> <th scope="row">Credit card</th> <td> <span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"></span></span> </span>(if there's a balance transfer offer) </td> </tr> <tr> <th scope="row">Personal loan</th> <td> <span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span> </td> </tr> <tr> <th scope="row">Overdraft</th> <td> <span class="icon-wrap"><span class="icon icon-minimize"><span class="visuallyhidden"> </span></span></span> </td> </tr> <tr> <th scope="row"><p>Borrow more on your mortgage</p> <p> </p> <p class="A-TYPSP-RW-ALL">This borrowing is secured against your property.</p></th> <td> <span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"></span></span> </span>(for larger loans with repayment over a longer period)<br> </td> </tr> <tr aria-hidden="true" tabindex="-1" class="hidden-row"> <th></th> <td></td> </tr> <tr> <th scope="row">Reason to borrow</th> <td> Vehicle repairs </td> </tr> <tr> <th scope="row">Credit card</th> <td> <span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span> </td> </tr> <tr> <th scope="row">Personal loan</th> <td> <span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span> </td> </tr> <tr> <th scope="row">Overdraft</th> <td> <p><span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span></p> <p>(if cost can be repaid in the short-term)<br></p> </td> </tr> <tr> <th scope="row"><p>Borrow more on your mortgage</p> <p> </p> <p class="A-TYPSP-RW-ALL">This borrowing is secured against your property.</p></th> <td> <span class="icon-wrap"><span class="icon icon-minimize"><span class="visuallyhidden"> </span></span></span> </td> </tr> <tr aria-hidden="true" tabindex="-1" class="hidden-row"> <th></th> <td></td> </tr> <tr> <th scope="row">Reason to borrow</th> <td> Unexpected household / utility bills </td> </tr> <tr> <th scope="row">Credit card</th> <td> <span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span> </td> </tr> <tr> <th scope="row">Personal loan</th> <td> <span class="icon-wrap"><span class="icon icon-minimize"><span class="visuallyhidden"> </span></span></span> </td> </tr> <tr> <th scope="row">Overdraft</th> <td> <span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span> </td> </tr> <tr> <th scope="row"><p>Borrow more on your mortgage</p> <p> </p> <p class="A-TYPSP-RW-ALL">This borrowing is secured against your property.</p></th> <td> <span class="icon-wrap"><span class="icon icon-minimize"><span class="visuallyhidden"> </span></span></span> </td> </tr> <tr aria-hidden="true" tabindex="-1" class="hidden-row"> <th></th> <td></td> </tr> <tr> <th scope="row">Reason to borrow</th> <td> Moving costs </td> </tr> <tr> <th scope="row">Credit card</th> <td> <span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span> </td> </tr> <tr> <th scope="row">Personal loan</th> <td> <span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span> </td> </tr> <tr> <th scope="row">Overdraft</th> <td> <span class="icon-wrap"><span class="icon icon-minimize"><span class="visuallyhidden"> </span></span></span> </td> </tr> <tr> <th scope="row"><p>Borrow more on your mortgage</p> <p> </p> <p class="A-TYPSP-RW-ALL">This borrowing is secured against your property.</p></th> <td> <span class="icon-wrap"><span class="icon icon-minimize"><span class="visuallyhidden"> </span></span></span> </td> </tr> <tr aria-hidden="true" tabindex="-1" class="hidden-row"> <th></th> <td></td> </tr> <tr> <th scope="row">Reason to borrow</th> <td> Home renovation / improvements </td> </tr> <tr> <th scope="row">Credit card</th> <td> <span class="icon-wrap"><span class="icon icon-minimize"><span class="visuallyhidden"> </span></span></span> </td> </tr> <tr> <th scope="row">Personal loan</th> <td> <span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span> </td> </tr> <tr> <th scope="row">Overdraft</th> <td> <span class="icon-wrap"><span class="icon icon-minimize"><span class="visuallyhidden"> </span></span></span> </td> </tr> <tr> <th scope="row"><p>Borrow more on your mortgage</p> <p> </p> <p class="A-TYPSP-RW-ALL">This borrowing is secured against your property.</p></th> <td> <span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"></span></span> </span>(for larger projects with repayment over a longer period)<br> </td> </tr> <tr aria-hidden="true" tabindex="-1" class="hidden-row"> <th></th> <td></td> </tr> <tr> <th scope="row">Reason to borrow</th> <td> <a href="/loans/products/wedding-loan/">Wedding expenses</a> </td> </tr> <tr> <th scope="row">Credit card</th> <td> <span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span> </td> </tr> <tr> <th scope="row">Personal loan</th> <td> <span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"> </span></span></span> </td> </tr> <tr> <th scope="row">Overdraft</th> <td> <span class="icon-wrap"><span class="icon icon-minimize"><span class="visuallyhidden"> </span></span></span> </td> </tr> <tr> <th scope="row"><p>Borrow more on your mortgage</p> <p> </p> <p class="A-TYPSP-RW-ALL">This borrowing is secured against your property.</p></th> <td> <span class="icon-wrap"><span class="icon icon-agree"><span class="visuallyhidden"></span></span> </span>(for large expenses with repayment over a longer period)<br> </td> </tr> </tbody> </table> </div> <div class="O-SMARTSPCGEN-DEV"><div> <h2 class="A-BBST28R-RW-ALL"> You may also be interested in</h2> <div class="O-MASTERTILE-DEV "> <div class="row"> <div class="container sm-12 md-12 lg-4"> <div class="M-MASTERTILEITEM-DEV"><div id="article_rel_tile_1" class="A-PNL-RW-ALL"> <a href="/loans/pros-and-cons-of-borrowing-money-together/" class="A-LNKC28L-RW-ALL" target="_self"> <div class="image-wrapper"> <picture id="article_rel_image_1"> <source srcset="/content/dam/hsbc/gb/images/articles/16-9/borrowing-money-686739295.jpg/jcr:content/renditions/cq5dam.web.590.1000.jpeg 1x, /content/dam/hsbc/gb/images/articles/16-9/borrowing-money-686739295.jpg/jcr:content/renditions/cq5dam.web.1220.1000.jpeg 2x" media="(min-width: 960px)"/> <source 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