HighAdvance Mortgage

You will normally need to provide the following documents when you submit your mortgage application.

For application under individual name(s)

• Hong Kong ID Cards or passports of all borrowers (and guarantors, if any)
• For a newly purchased property:
  - Provisional or Formal Sale & Purchase Agreement
• For refinancing an existing mortgage against a property you already own:
  - repayment records from your existing mortgagee bank showing the last three month's payments, AND;
  - the repayment schedule for your existing mortgage, AND
  - address proof for self-occupancy, if applicable
• Bank statements showing your salary deposits for the last three months
• Proof of your employment, which could be:
  - your latest tax demand note, OR;
  - your latest employer's tax return note, OR;
  - other income proof documents issued by your employer.

For an application under the name of a shell company

• Hong Kong ID Cards or passports of all guarantors
• For a newly purchased property:
  - Provisional or Formal Sale & Purchase Agreement
• For refinancing an existing mortgage against a property you already own:
  - repayment records from your existing mortgage lender showing the last three months' payments,  AND;
  - the repayment schedule for your existing mortgage, AND
  - address proof for self-occupancy, if applicable
• Bank statements showing each guarantor's salary deposits for the last three months
• Proof of each guarantor's employment, which could be:
  - the latest tax demand note, OR;
  - the latest employer's tax return note, OR;
  - other income proof documents issued by the guarantor's employer.
• Business Registration Certificate or Certificate of Incorporation of the shell company
• Minutes of meeting approving the mortgage application and indicating mortgagee bank, property address and loan amount

You may use the Instant Mortgage Assessment to understand how much you will be able to borrow. This calculation is for illustration and your reference only.

To change your mortgage plan, contact HSBC branch to check your eligibility for other mortgage plans. There may be a charge for making this change: see the prevailing Bank tariff guide for HSBC Retail Banking and Wealth Management Customers. for details.