Debt Consolidation Loan | Combine Debts

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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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class="A-TYP38L-RW-ALL text-container text "> Debt Consolidation Loan </h1> <div class="A-PAR16R-RW-ALL text-container text "> Make life simpler by combining your existing debts into a single loan </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 class="row hide-on-mobile "> <nav aria-label="You are here" class="O-BRDCRUM-RW-ALL sm-12"> <ol itemscope itemtype="http://schema.org/BreadcrumbList" class="breadcrumbs-list O-SMARTSPCGEN-DEV" role="list"> <li class="item" role="listitem" itemscope itemprop="itemListElement" itemtype="http://schema.org/ListItem"> <div id="pp_link_3" class="link-container"> <a class="A-LNKC16R-RW-ALL" href="/" itemprop="item" itemtype="http://schema.org/Thing"> <span itemprop="name" class="link">HSBC UK</span> <span class="icon icon-chevron-right-small" aria-hidden="true"></span> </a> </div> 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cc-columns-50-50 cc-dividers "> <div id="pp_tools_columnControlColumn_1" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="make-it-easier-to-manage-your-debt-with-a-single-monthly-payment"></div> <h2 class="heading A-TYP28L-RW-ALL remove-bottom-space" id="pp_tools_heading_1"> Make it easier to manage your debt with a single monthly payment </h2> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_1" 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">If you’ve got debt in different places (including credit cards and loans) a debt consolidation loan could help you bring it all together.</p> </div></div> <div class="O-ADVLST-RW-DEV O-SMARTSPCGEN-DEV clearfix"><div id="pp_tools_advancedList_1"> <ul class="list advanced-list"> <li class="element M-SMARTSPCGENELEMENT-DEV"><div class="list-item" id="pp_tools_advancedListElement_1"> <span class="icon-container"> <i class="icon icon-agree " aria-hidden="true"></i> </span> <div class="A-TYP16RL-DEV-ALL text-container text "> Quick credit decision and instant access to funds (after signed loan agreement is received) for HSBC current account customers </div> </div> </li> <li class="element M-SMARTSPCGENELEMENT-DEV"><div class="list-item" id="pp_tools_advancedListElement_2"> <span class="icon-container"> <i class="icon icon-agree " aria-hidden="true"></i> </span> <div class="A-TYP16RL-DEV-ALL text-container text "> Make overpayments free of charge </div> </div> </li> <li class="element M-SMARTSPCGENELEMENT-DEV"><div class="list-item" id="pp_tools_advancedListElement_3"> <span class="icon-container"> <i class="icon icon-agree " aria-hidden="true"></i> </span> <div class="A-TYP16RL-DEV-ALL text-container text "> No arrangement fee </div> </div> </li> </ul> <div class="disclaimer"> </div> </div></div> </div> <span class="cc-separator"></span> <div id="pp_tools_columnControlColumn_2" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="representative-apr"></div> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="pp_tools_heading_2"> Representative APR </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_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-TYP28L-RW-ALL"><span class="A-PAR16R-RW-ALL">For loans between £7,000 and £15,000</span><span class="A-TYP28L-RW-ALL">6.6% APR Representative</span></p> </div></div> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_2"> <div class="cc cc-columns-66-33 "> <div id="pp_tools_columnControlColumn_3" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <h2 class="heading A-TYP28L-RW-ALL remove-bottom-space" id="pp_tools_heading_3"> Debt Consolidation Loan calculator </h2> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="calculate-your-monthly-loan-repayments"></div> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="pp_tools_heading_4"> Calculate your monthly loan repayments </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_3" 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"><p>Use the sliders to adjust how much you'd like to borrow and over how many months.</p> <p>We may be able to offer you a better rate if you change the amount you want to borrow or the length of time you borrow for. A small change can make a big difference to how much interest you'll pay and the overall cost of the loan. We'll offer you a rate based on our assessment of your personal financial circumstances.</p> <p>See full details of our <a href="/content/dam/hsbc/gb/pdf/HSB-MCP51204-WEB.pdf" target="_blank" rel="noopener noreferrer">Personal Loan interest rates (PDF, 89KB)</a>.</p> </p> </div></div> </div> <div id="pp_tools_columnControlColumn_4" class="cc-column"> </div> </div> </div> </div> <div class="calculatorCreator baseCalculator">  <div class="dpws-tools-calculator-creator dpws-tools-calculator" data-dpws-tool-config='{"general":{"currency":"GBP","trackingName":"personal loan repayment calculator","inputOutputDataCaptureIsEnabled":"false"},"inputs":[{"defaultValue":"1","inputType":"hidden","id":"A2"},{"increment":"10","isAdditionalOptionPreselected":"false","defaultValue":"10000","unitType":"currency","minimumRate":"1000","decimalPlaces":"0","controllerMap":"Controller_1","maximumRate":"25000","inputType":"slider","hintText":"Enter a value between {{min value}} and {{max value}}","validationWrongIncrementValue":"Please enter in increments of {{increment}}","labelText":"How much would you like to borrow?","bubbleType":"percentage","bubbleLabel":"APR","bubbleValue":"E5","validationValueOutOfRange":"Enter a value between {{min value}} and {{max value}}","bubbleDecimalPlaces":"1","notchesType":"controller","sliderLegend":"This is a {{slider label}} fieldset consisting of an input field and slider and changing the value in one field will update the value in the other.","id":"A3"},{"increment":"1","isAdditionalOptionPreselected":"false","defaultValue":"60","unitType":"custom","minimumRate":"12","maximumRate":"96","inputType":"slider","hintText":"Enter a value between {{min value}} and {{max value}}","validationWrongIncrementValue":"Please enter in increments of {{increment}}","labelText":"Over how many months?","bubbleType":"percentage","bubbleLabel":"APR","bubbleValue":"E6","validationValueOutOfRange":"Enter a value between {{min value}} and {{max value}}","bubbleDecimalPlaces":"1","notchesType":"controller","sliderLegend":"This is a {{slider label}} fieldset consisting of an input field and slider and changing the value in one field will update the value in the other","minimumUnitLabel":"months","maximumUnitLabel":"months","id":"A4"},{"defaultValue":"0","inputType":"hidden","id":"A5"},{"defaultValue":"12","inputType":"hidden","id":"A6"},{"defaultValue":"12","inputType":"hidden","id":"A7"},{"defaultValue":"2","inputType":"hidden","id":"A8"},{"defaultValue":"0","inputType":"hidden","id":"A9"},{"defaultValue":"0","inputType":"hidden","id":"A10"},{"defaultValue":"0","inputType":"hidden","id":"A11"}],"outputs":[{"outputType":"currency","decimalPlaces":"2","labelText":"Total amount payable","id":"E2"},{"outputType":"currency","decimalPlaces":"2","labelText":"Monthly repayment","id":"E3"},{"outputType":"percentage","decimalPlaces":"1","labelText":"Representative","labelSuffix":"APR","id":"E5"},{"outputType":"percentage","decimalPlaces":"1","labelText":"Interest rate p.a. fixed","id":"E6"}],"intro":{},"summary":{"invalidOutputLabel":"---","headingText":"Representative example*"},"ctas":{"primary":{"url":"#things","show":true,"text":"Who can apply?"},"secondary":{"url":"https://personalisedloanquote.hsbc.co.uk/","text":"Get a Personalised Loan Quote "}},"footer":{},"calculatorID":"calculatorcreator_co","controllers":{"Controller_1":{"[1000,3000)":{"A4":{"minimumRate":"12","maximumRate":"60","defaultValue":"60"},"A2":{"defaultValue":"0.169"}},"[3000,5000)":{"A4":{"minimumRate":"12","maximumRate":"60","defaultValue":"60"},"A2":{"defaultValue":"0.139"}},"[5000,7000)":{"A4":{"minimumRate":"12","maximumRate":"60","defaultValue":"60"},"A2":{"defaultValue":"0.099"}},"[7000,15000]":{"A4":{"minimumRate":"12","maximumRate":"60","defaultValue":"60"},"A2":{"defaultValue":"0.066"}},"(15000,25000]":{"A4":{"minimumRate":"12","maximumRate":"96","defaultValue":"60"},"A2":{"defaultValue":"0.074"}}}},"notches":{"Controller_1":["7000","5000","15000","1000","3000"]}}' data-dpws-tool-calculator-items='A2: G - Gross interest rate (%) (hidden)||A3: I - Amount to borrow (currency)||A4: J - Loan period (months)||A5: K - Repayment period (years) (hidden)||A6: C - Compounding frequency (hidden)||A7: D - Annual/Monthly no. 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</h2> </div> </div> <div id="pp_tools_columnControlColumn_6" class="cc-column"> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_4"> <div class="cc cc-columns-50-50 "> <div id="pp_tools_columnControlColumn_7" class="cc-column"> <div class="O-ADVLST-RW-DEV O-SMARTSPCGEN-DEV clearfix"><div id="pp_tools_advancedList_2"> <ul class="list advanced-list"> <li class="element M-SMARTSPCGENELEMENT-DEV"><div class="list-item" id="pp_tools_advancedListElement_4"> <span class="icon-container"> <i class="icon icon-agree " aria-hidden="true"></i> </span> <div class="A-TYP16BL-RW-ALL text-container text "> <strong>Borrow from £1,000 to £25,000, or up to £50,000 for HSBC Premier account</strong> <strong>holders</strong> </div> <div class="A-PAR14R-RW-ALL description text-container text "> Always know what you'll have to pay with fixed monthly repayments spread over 1 to 5 years for loans of £15,000 or less, or over 1 to 8 years for loans over £15,000. </div> </div> </li> <li class="element M-SMARTSPCGENELEMENT-DEV"><div class="list-item" id="pp_tools_advancedListElement_5"> <span class="icon-container"> <i class="icon icon-agree " aria-hidden="true"></i> </span> <div class="A-TYP16BL-RW-ALL text-container text "> Get a quick decision </div> <div class="A-PAR14R-RW-ALL description text-container text "> If you've got an HSBC current account you can get an instant credit decision, while non-HSBC current account customers should get a credit decision in 2 to 5 working days. </div> </div> </li> </ul> <div class="disclaimer"> </div> </div></div> </div> <div id="pp_tools_columnControlColumn_8" class="cc-column"> <div class="O-ADVLST-RW-DEV O-SMARTSPCGEN-DEV clearfix"><div id="pp_tools_advancedList_3"> <ul class="list advanced-list"> <li class="element M-SMARTSPCGENELEMENT-DEV"><div class="list-item" id="pp_tools_advancedListElement_6"> <span class="icon-container"> <i class="icon icon-agree " aria-hidden="true"></i> </span> <div class="A-TYP16BL-RW-ALL text-container text "> Quick access to funds </div> <div class="A-PAR14R-RW-ALL description text-container text "> Existing HSBC current account customers could receive the money instantly once your application has been approved and the loan agreement has been signed. Non-HSBC current account customers could receive the money into a nominated account 3 working days after the signed loan agreement is received. </div> </div> </li> <li class="element M-SMARTSPCGENELEMENT-DEV"><div class="list-item" id="pp_tools_advancedListElement_7"> <span class="icon-container"> <i class="icon icon-agree " aria-hidden="true"></i> </span> <div class="A-TYP16BL-RW-ALL text-container text "> Make overpayments free of charge </div> <div class="A-PAR14R-RW-ALL description text-container text "> Manage your finances the way you want with the flexibility to overpay, which could reduce the amount of interest you have to pay. </div> </div> </li> </ul> <div class="disclaimer"> </div> </div></div> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_5"> <div class="cc cc-columns-100 "> <div id="pp_tools_columnControlColumn_9" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="ready-to-apply"></div> <h2 class="heading A-TYP28L-RW-ALL remove-bottom-space" id="pp_tools_heading_6"> Rate information </h2> </div> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_6"> <div class="cc cc-columns-66-33 "> <div id="pp_tools_columnControlColumn_10" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_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"><strong><span class="A-TYP28L-RW-ALL">6.6% APR representative</span> </strong><br> This rate is available for loans between £7,000 and £15,000.<br> </p> <p class="A-PAR16R-RW-ALL">*The rate is subject to change and the representative APR may not be the rate you'll receive. We'll offer you a rate based on our assessment of your personal financial circumstances. The maximum APR you could be offered is 22.9%.</p> <p class="A-PAR16R-RW-ALL">The APR may vary based on amount borrowed. Please use the calculator or the <a href="/content/dam/hsbc/gb/pdf/HSB-MCP51204-WEB.pdf" target="_blank" rel="noopener">loans interest rate table (PDF, 89KB)</a> for more details.</p> <p class="A-PAR16R-RW-ALL"> </p> </div></div> </div> <div id="pp_tools_columnControlColumn_11" class="cc-column"> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_7"> <div class="cc cc-columns-100 "> <div id="pp_tools_columnControlColumn_12" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="things"></div> <h2 class="heading A-TYP28L-RW-ALL remove-bottom-space" id="pp_tools_heading_7"> Things to know about our debt consolidation loans </h2> </div> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_8"> <div class="cc cc-columns-66-33 "> <div id="pp_tools_columnControlColumn_13" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="who-can-apply"></div> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="pp_tools_heading_8"> Who can apply? </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_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">You can apply if you:</p> <ul class="A-LSTU-RW-ALL"> <li>are over 18 and a resident of the UK</li> <li>have an annual UK taxable income or pension, before tax, of £10,000 or more</li> <li>have a bank or building society account with a Direct Debit facility</li> </ul> <p class="A-PAR16R-RW-ALL"> </p> <p class="A-PAR16R-RW-ALL">Not available for customers with a Basic Bank Account.<br> </p> <p class="A-PAR16R-RW-ALL">For joint loan applications, please call us on <a href="tel:03457404404">03457 404 404</a>. Joint loans are not available online or in the HSBC Mobile Banking app.</p> <p class="A-PAR16R-RW-ALL">Our loans are subject to status.</p> <p class="A-PAR16R-RW-ALL"> </p> </div></div> </div> <div id="pp_tools_columnControlColumn_14" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="important-documents"></div> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="pp_tools_heading_9"> Important documents </h3> </div> <div class="O-SMARTSPCGEN-DEV M-CONTMAST-RW-RBWM links"> <div> <ul id="pp_tools_links_1" class="links-list"> <li> <div id="pp_tools_link_1" class="link-container"> <a class="A-LNKD-RW-ALL" href="/content/dam/hsbc/gb/pdf/loans/personal-loan-tandc.pdf" download data-event-component="other" data-event-name="Personal Loan Terms & Conditions "> <span class="icon icon-download icon-right-space" aria-hidden="true"></span><span aria-hidden="true" class="link">Personal Loan Terms & Conditions (PDF, 67KB)</span> <span class="visuallyhidden">Personal Loan Terms & Conditions (PDF, 67KB) Download</span> </a> </div> </li> <li> <div id="pp_tools_link_2" class="link-container"> <a class="A-LNKD-RW-ALL" href="/content/dam/hsbc/gb/pdf/privacy-notice2.pdf" download data-event-component="other" data-event-name="Privacy Notice"> <span class="icon icon-download icon-right-space" aria-hidden="true"></span><span aria-hidden="true" class="link">Privacy Notice (PDF, 231KB)</span> <span class="visuallyhidden">Privacy Notice (PDF, 231KB) Download</span> </a> </div> </li> </ul> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_6" 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">Get a Personalised Loan Quote and see the interest rate and terms you may be offered, without affecting your credit rating.<br> </p> </div></div> <div class="M-SIMPLELINKS-DEV O-SMARTSPCGEN-DEV"> <div id="pp_tools_simplelinks_1"> <ul class="links-list"> <li> <div id="pp_tools_link_3" class="link-container"> <a class="A-LNKC16R-RW-ALL" href="https://personalisedloanquote.hsbc.co.uk/" data-event-component="text link" data-event-name="Get a quote"> <span class="link"> Get a quote </span> <span class="icon icon-chevron-right-small" aria-hidden="true"></span> </a> </div> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_9"> <div class="cc cc-columns-66-33 "> <div id="pp_tools_columnControlColumn_15" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="keep-in-mind"></div> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="pp_tools_heading_10"> Keep in mind </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_7" 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">If you're considering applying for a loan to pay off or reduce existing loans/debts (including combining these into a single loan), it's important to consider not just the interest rate and monthly repayments, but also the term of the new loan compared to the remaining term of your existing loans/debts.</p> <p class="A-PAR16R-RW-ALL">Spreading your payments over a longer term means you could end up paying more overall than under your existing arrangements, even if the interest rate on this new loan is less than the rates you are currently paying.</p> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="what-you-cant-use-your-loan-for"></div> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="pp_tools_heading_11"> What you can't use your loan for </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_8" 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">We don't offer Personal Loans for a number of purposes including:</p> <ul class="A-LSTU-RW-ALL"> <li>the purchase of property or land (both UK & Overseas) including holiday homes and apartments</li> <li>purchasing a joint stake in a property or buying out a joint owner</li> <li>mortgage deposit (regardless of lender or country)</li> <li>gifting funds to third parties to support the purchase of a property, including mortgage deposit, stamp duty and solicitors fees</li> <li>gambling</li> <li>business purposes</li> <li>sharedealing</li> </ul> </div></div> </div> <div id="pp_tools_columnControlColumn_16" class="cc-column"> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_10"> <div class="cc cc-columns-66-33 "> <div id="pp_tools_columnControlColumn_17" class="cc-column"> <div class="O-SMARTSPCGEN-DEV O-ACCRD-RW-RBWM row"><div> <div id="pp_tools_accordion_1" class="accordions-container sm-12"> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="pp_tools_advanced_expander_1" class="sm-12 clear-float"> <div class="A-EXPCNT-RW-RBWM expander"> <div class="dropdown" aria-controls="1668958553__panel0" role="button" tabindex="0"> <h4 id="1668958553__tab0" class="dropdown-text ">Loan information </h4> <span class="chevron"></span> </div> <section id="1668958553__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_11"> <div class="cc cc-columns-100 "> <div id="pp_tools_columnControlColumn_18" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_9" 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>Fixed repayment terms</strong></p> <ul class="A-LSTU-RW-ALL"> <li>spread your repayments over 1 to 5 years for Personal Loans of £15,000 and less</li> <li>spread your repayments over 1 to 8 years for Personal Loans of over £15,000</li> <li>the first repayment is due 1 month from drawdown<br></li> <li>repayments will be taken monthly from your nominated current account</li> </ul> <p class="A-PAR16R-RW-ALL"> </p> <p class="A-PAR16R-RW-ALL"><strong>Debt consolidation considerations</strong></p> <ul class="A-LSTU-RW-ALL"> <li>if you're using any part of this loan to pay off or reduce existing loans/debts (including combining these into a single loan), it's important to consider not just the interest rate and monthly repayments, but also the term of this loan compared to the remaining term of your existing loans/debts</li> <li>spreading your payments over a longer term means you could end up paying more overall than under your existing arrangements, even if the interest rate on this new loan is less than the rates you're currently paying</li> <li>you should also consider if any early repayment charges apply and if this form of borrowing is appropriate for your circumstances</li> </ul> <p class="A-PAR16R-RW-ALL"> </p> <p class="A-PAR16R-RW-ALL"><strong>Interest</strong></p> <ul class="A-LSTU-RW-ALL"> <li>At the start of the loan, we calculate the total amount of interest payable (total cost of credit) and spread it out over the loan term. We calculate the interest due from each monthly repayment based on the number of days between repayments and the outstanding capital balance. This means we collect a higher proportion of the total interest at the start of the loan, when the capital balance is bigger, and a lower amount towards the end.</li> <li>If there are delays between repayments, then more interest will accrue during that period. For example, this can happen if the payment date you choose is more than one month after the date you sign your agreement, or if you take a payment holiday that isn’t shown in your credit agreement. Although we will never charge more total interest than shown on your credit agreement, this could mean that the rebate you get for settling your loan early is lower, or can go down to zero.</li> </ul> <p class="A-PAR16R-RW-ALL"> </p> <p class="A-PAR16R-RW-ALL"><strong>Early repayments</strong></p> <ul class="A-LSTU-RW-ALL"> <li>You can repay your loan in full at any time by giving us notice in writing, by visiting a branch, or by calling us on <a href="tel:03457404404">03457 404 404</a></li> <li>Once you've given us notice, we'll give you a settlement figure. You must pay all the amounts owed if you want to close the loan</li> <li>If you make an early repayment, there may be a reduction in the amount of interest you pay. This will be reflected in the settlement figure</li> <li>The settlement figure includes interest up to the date that’s 28 days from when you tell us you want to repay the loan, plus an additional month</li> </ul> <p class="A-PAR16R-RW-ALL"> </p> <p class="A-PAR16R-RW-ALL"><strong>Responsible lending</strong></p> <p class="A-PAR16R-RW-ALL">If you think there might be a change in your circumstances that could increase your outgoings or reduce your disposable income, please contact us by phone or in branch for further guidance. Changes to consider are:</p> <ul class="A-LSTU-RW-ALL"> <li>employment changes such as imminent retirement, maternity, paternity or extended leave</li> <li>reduction in working hours, fixed contract end dates or zero hour contracts</li> <li>an increase in living costs such as rent or mortgage repayments</li> </ul> <p class="A-PAR16R-RW-ALL"> </p> <p class="A-PAR16R-RW-ALL"><strong>Apply for additional borrowing</strong></p> <ul class="A-LSTU-RW-ALL"> <li>you can apply to borrow more money by applying online, by phone or in branch</li> </ul> </div></div> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="pp_tools_advanced_expander_2" class="sm-12 clear-float"> <div class="A-EXPCNT-RW-RBWM expander"> <div class="dropdown" aria-controls="-151805754__panel0" role="button" tabindex="0"> <h4 id="-151805754__tab0" class="dropdown-text ">Our credit facilities </h4> <span class="chevron"></span> </div> <section id="-151805754__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_12"> <div class="cc cc-columns-100 "> <div id="pp_tools_columnControlColumn_19" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_10" 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">You can get full details of our credit facilities, including a written quotation, from any of our branches or by writing to:</p> <p class="A-PAR16R-RW-ALL">Customer Information, HSBC Bank plc, PO Box 757, Hemel Hempstead, Herts HP2 4SS.</p> <p class="A-PAR16R-RW-ALL">Or call us on <a href="tel:08000324735">0800 032 4735</a> (textphone <a href="tel:1800108000280126">18001 0800 028 0126</a>).</p> <p class="A-PAR16R-RW-ALL">Lines are open from 08:00 to 22:00 every day (except for Christmas Day, Boxing Day and New Year's Day).</p> </div></div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </div> </div></div> <div class="O-SMARTSPCGEN-DEV O-ACCRD-RW-RBWM row"><div> <div id="pp_tools_accordion_2" class="accordions-container sm-12"> </div> </div></div> </div> <div id="pp_tools_columnControlColumn_20" class="cc-column"> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_13"> <div class="cc cc-columns-66-33 "> <div id="pp_tools_columnControlColumn_21" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="ready-to-apply"></div> <h2 class="heading A-TYP28L-RW-ALL remove-bottom-space" id="pp_tools_heading_12"> Ready to apply for a Debt Consolidation Loan? </h2> </div> </div> <div id="pp_tools_columnControlColumn_22" class="cc-column"> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_14"> <div class="cc cc-columns-66-33 "> <div id="pp_tools_columnControlColumn_23" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="existing-customers"></div> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="pp_tools_heading_13"> Existing customers </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_11" 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">On your mobile device? If you've downloaded our app and have an HSBC current account, you can apply now by selecting 'Apply in app'.</p> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV content-buttons"><div id="pp_tools_buttons_1"> <div class="clearfix horizontal "> <a class="A-BTNP-RW-ALL" href="/loans/apply-in-app/" target="_self" id="pp_tools_button_1" data-event-component="button" data-event-name="apply in app|component:ready to apply for a debt consolidation loann|position:1"> <span aria-hidden="true">Apply in app</span> <span class="visuallyhidden">Apply in app for a loan </span> </a> </div> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_12" 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">If you're on a desktop, scan the QR code with your mobile device.</p> </div></div> </div> <div id="pp_tools_columnControlColumn_24" class="cc-column"> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_15"> <div class="cc cc-columns-33-33-33 "> <div id="pp_tools_columnControlColumn_25" class="cc-column"> <div class="M-IMG-RW-DEV O-SMARTSPCGEN-DEV"> <div id="pp_tools_image_1" class="smart-image"> <figure class="smart-image-figure"> <picture id="pp_tools_image_2"> <source srcset="/content/dam/hsbc/gb/images/loans/16-9-tile/12054-loans-deeplink-qr-grey-bg-800x450.jpg 1x" media="(min-width: 960px)"/> <source srcset="/content/dam/hsbc/gb/images/loans/16-9-tile/12054-loans-deeplink-qr-grey-bg-800x450.jpg 1x" media="(min-width: 480px)"/> <source srcset="/content/dam/hsbc/gb/images/loans/16-9-tile/12054-loans-deeplink-qr-grey-bg-800x450.jpg/jcr:content/renditions/cq5dam.web.490.1000.jpeg 1x"/> <img id="pp_tools_image_3" class="A-IMAGE-RW-ALL smart-image-img" role="img" src="/content/dam/hsbc/gb/images/loans/16-9-tile/12054-loans-deeplink-qr-grey-bg-800x450.jpg" alt="Scan the QR code to apply"/> </picture> </figure> </div> </div> </div> <div id="pp_tools_columnControlColumn_26" class="cc-column"> </div> <div id="pp_tools_columnControlColumn_27" class="cc-column"> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_16"> <div class="cc cc-columns-66-33 "> <div id="pp_tools_columnControlColumn_28" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="new-to-hsbc"></div> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="pp_tools_heading_14"> New to HSBC? </h3> </div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_13" 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">Get a Personalised Loan Quote to see the interest rate you may be offered, without affecting your credit rating.</p> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV content-buttons"><div id="pp_tools_buttons_2"> <div class="clearfix horizontal "> <a class="A-BTNSO-RW-ALL" href="https://personalisedloanquote.hsbc.co.uk/" target="_blank" rel="noopener " id="pp_tools_button_2" data-event-component="button" data-event-name="apply now|component:ready to apply for a debt consolidation loann|position:2"> <span aria-hidden="true">Apply now</span> <span class="visuallyhidden">Apply now for a personalised loan quote This link will open in a new window</span> </a> </div> </div></div> </div> <div id="pp_tools_columnControlColumn_29" class="cc-column"> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_17"> <div class="cc cc-columns-66-33 "> <div id="pp_tools_columnControlColumn_30" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="more-ways-to-apply"></div> <h3 class="heading A-TYP22L-RW-ALL remove-bottom-space" id="pp_tools_heading_15"> More ways to apply </h3> </div> </div> <div id="pp_tools_columnControlColumn_31" class="cc-column"> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_18"> <div class="cc cc-columns-66-33 "> <div id="pp_tools_columnControlColumn_32" class="cc-column"> <div class="O-SMARTSPCGEN-DEV O-ACCRD-RW-RBWM row"><div> <div id="pp_tools_accordion_3" class="accordions-container sm-12"> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="pp_tools_advanced_expander_3" class="sm-12 clear-float"> <div class="anchor" id="additional-requirements-1"></div> <div class="A-EXPCNT-RW-RBWM expander"> <div class="dropdown" aria-controls="-120323657__panel0" role="button" tabindex="0"> <h4 id="-120323657__tab0" class="dropdown-text ">Apply in browser </h4> <span class="chevron"></span> </div> <section id="-120323657__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_19"> <div class="cc cc-columns-100 "> <div id="pp_tools_columnControlColumn_33" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_14" 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">If you have an HSBC current account and you're registered for online banking, you can start your application right away.</p> </div></div> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV content-buttons"><div id="pp_tools_buttons_3"> <div class="clearfix horizontal "> <a class="A-BTNSO-RW-ALL" href="https://dco-loans.hsbc.co.uk/" target="_blank" rel="noopener " id="pp_tools_button_3" data-event-component="button" data-event-name="log on and apply|component:more ways to apply|position:1"> <span aria-hidden="true">Log on and apply</span> <span class="visuallyhidden">Log on and apply for a loan This link will open in a new window</span> </a> </div> </div></div> <div class="O-SMARTSPCGEN-DEV M-CONTMAST-RW-RBWM links"> <div> <ul id="pp_tools_links_2" class="links-list"> <li> <div id="pp_tools_link_4" class="link-container"> <a class="A-LNKST-RW-ALL" href="/register/" target="_self" data-event-component="text link" data-event-name="register for online banking|component:more ways to apply|position:2"> <span class="link"> Register for online banking </span> <span class="icon icon-chevron-right" aria-hidden="true"></span> </a> </div> </li> </ul> </div></div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </div> </div></div> </div> <div id="pp_tools_columnControlColumn_34" class="cc-column"> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_20"> <div class="cc cc-columns-66-33 "> <div id="pp_tools_columnControlColumn_35" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV"> <div class="anchor" id="frequently-asked-questions"></div> <h2 class="heading A-TYP28L-RW-ALL remove-bottom-space" id="pp_tools_heading_16"> Frequently asked questions </h2> </div> </div> <div id="pp_tools_columnControlColumn_36" class="cc-column"> </div> </div> </div> </div> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_21"> <div class="cc cc-columns-66-33 "> <div id="pp_tools_columnControlColumn_37" class="cc-column"> <div class="O-SMARTSPCGEN-DEV O-ACCRD-RW-RBWM row"><div> <div id="pp_tools_accordion_4" class="accordions-container sm-12"> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="pp_tools_advanced_expander_4" class="sm-12 clear-float"> <div class="anchor" id="q1"></div> <div class="A-EXPCNT-RW-RBWM expander"> <div class="dropdown" aria-controls="-223889350__panel0" role="button" tabindex="0"> <h3 id="-223889350__tab0" class="dropdown-text ">How do I consolidate debt? </h3> <span class="chevron"></span> </div> <section id="-223889350__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_22"> <div class="cc cc-columns-100 "> <div id="pp_tools_columnControlColumn_38" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_15" 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">If you’ve got debt in various places, including credit cards and loans, a debt consolidation loan could help you bring it all together. This could potentially save you money and make it easier to manage with a single monthly repayment.</p> </div></div> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="pp_tools_advanced_expander_5" class="sm-12 clear-float"> <div class="anchor" id="q2"></div> <div class="A-EXPCNT-RW-RBWM expander"> <div class="dropdown" aria-controls="1957608792__panel0" role="button" tabindex="0"> <h3 id="1957608792__tab0" class="dropdown-text ">How does debt consolidation work? </h3> <span class="chevron"></span> </div> <section id="1957608792__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_23"> <div class="cc cc-columns-100 "> <div id="pp_tools_columnControlColumn_39" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_16" 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">Using an HSBC Personal Loan to consolidate your debt merges them together into one loan to lower your monthly payments. It gives you a single interest rate, one recurring repayment, and a clear loan term.</p> </div></div> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="pp_tools_advanced_expander_6" class="sm-12 clear-float"> <div class="anchor" id="q3"></div> <div class="A-EXPCNT-RW-RBWM expander"> <div class="dropdown" aria-controls="1124987496__panel0" role="button" tabindex="0"> <h3 id="1124987496__tab0" class="dropdown-text ">Does debt consolidation affect your credit score? </h3> <span class="chevron"></span> </div> <section id="1124987496__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_24"> <div class="cc cc-columns-100 "> <div id="pp_tools_columnControlColumn_40" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_17" 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">When you apply for a debt consolidation loan – or any type of credit – the lender will carry out a hard credit check, which leaves a visible footprint on your credit report. This can negatively affect your credit score. However, as you start to pay off debt, your credit score is likely to improve over time – as long as you meet the repayments and avoid taking on more debt.</p> </div></div> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="pp_tools_advanced_expander_7" class="sm-12 clear-float"> <div class="anchor" id="q4"></div> <div class="A-EXPCNT-RW-RBWM expander"> <div class="dropdown" aria-controls="2136550359__panel0" role="button" tabindex="0"> <h3 id="2136550359__tab0" class="dropdown-text ">Will consolidating my debts affect buying a home? </h3> <span class="chevron"></span> </div> <section id="2136550359__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_25"> <div class="cc cc-columns-100 "> <div id="pp_tools_columnControlColumn_41" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_18" 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"><p>Yes, consolidating your debts could affect your ability to buy a home, if you were struggling to make the repayments.</p> <p>You're less likely to be affected if you keep up with the payments.</p> </p> </div></div> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div class="O-SMARTSPCGEN-DEV O-ADVEXP-RW-RBWM row"> <div id="pp_tools_advanced_expander_8" class="sm-12 clear-float"> <div class="anchor" id="q5"></div> <div class="A-EXPCNT-RW-RBWM expander"> <div class="dropdown" aria-controls="1996227318__panel0" role="button" tabindex="0"> <h3 id="1996227318__tab0" class="dropdown-text ">What should I consider when I consolidate debt with a loan? </h3> <span class="chevron"></span> </div> <section id="1996227318__panel0" class="exp-content " aria-hidden="true" tabindex="-1"> <div class="exp-panel"> <div class="cc-wrapper O-COLCTRL-RW-DEV"> <div id="pp_tools_columnControl_26"> <div class="cc cc-columns-100 "> <div id="pp_tools_columnControlColumn_42" class="cc-column"> <div class="M-CONTMAST-RW-RBWM O-SMARTSPCGEN-DEV rich-text"><div id="pp_tools_richtext_19" 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"><p>When you consolidate debt with a loan, you should think about the:</p> <div class="commonMark-list"> <ul> <li>Total cost of the loan</li> <li>Interest rate</li> <li>Repayment period</li> </ul> </div> <p>You'd pay less each month with a longer loan, but end up paying more interest overall.</p> </p> </div></div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </div> </div></div> </div> <div id="pp_tools_columnControlColumn_43" class="cc-column"> </div> </div> </div> </div> <div class="O-SMARTSPCGEN-DEV M-BACKTOTOP-RW-RBWM"><div id="pp_tools_backtotop_1"> <div id="pp_tools_link_5" class="link-container"> <a class="A-LNKAU-RW-ALL" href="#"> <span class="link"> Back to top </span> <span class="icon icon-anchor-up" aria-hidden="true"></span> </a> </div> </div></div> </div> </div> </main> <div class="socialMediaFooter grid "> <div class="row social-row " id="content_socialmediafooter_1"> <span class="A-DIVHL-RW-ALL"></span> <div class="sm-12 lg-9"> <div id="content_link_6" class="link-container"> <a class="A-LNKC22L-RW-ALL" href="/help/" rel="nofollow" data-event-component="text link" data-event-name="Customer support"> <h2 class="link link-header"> Customer support </h2> <span class="icon icon-chevron-right-small" aria-hidden="true"></span> </a> </div> <div class="A-PAR16R-RW-ALL">It's easy to answer your query online. 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Debt Consolidation Loan | Combine Debts - HSBC UK