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We’ve changed our Buy to Let (BTL) lending policy

06 October 2025

With effect from Monday 6th October, we have introduced Top Slicing for BTL mortgage applications.

Top Slicing allows HSBC UK to consider the borrower’s personal disposable income (in addition to rental income) to support the Interest Cover Ratio (ICR).

Applications which do not meet the affordability criteria, using rental income only, can be assessed using our Top Slicing policy:

Minimum income requirement of £50,000
Minimum stressed ICR of 110%

Our Broker website and BTL Affordability Calculator have been updated to reflect the above changes.

Please note we do not accept Top Slicing on International or Let to Buy applications.

Current Service Levels

Please note, our Service Levels are now updated daily on the broker website. Before contacting our Broker Support Team for a case update, please check the case tracking facility and the messages section on our broker portal.

Need any help

Use 'Chat with us' or call our Broker Support Team on 0345 600 5847 (Monday to Friday, 9am to 5pm) or contact your local BDM.

HSBC UK

For Intermediary use only.