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Money worries

Help for when you need it most

We understand that what's happening in your life and the world around you can affect your finances. That's why we're here, so we can help you find a solution for your individual financial needs.

 

Find out about support available if you’re finding it difficult to keep up with your mortgage payments.

 

If you're on a payment holiday, or coming to the end of one, find out what happens next.

 

Find out about the financial support we can offer if you're experiencing the loss of your job, less business demand, or have been offered fewer hours at work.

 

Tips on how to tackle and repay your debts.

 

Find out if you’re missing out on unclaimed government benefits and allowances.

 

If you’re concerned your mental health is impacting the way you manage your money, find out how we can support you.

 

In partnership with Shelter, and other UK and local charities, we’re helping people without a fixed home address to open a bank account.

 

If you're suffering from financial abuse, we have support available to help you regain control of your finances.

Additional guidance and helpful articles

For those times when managing your money may feel overwhelming, we've created step-by-step guides to help get you back on track.

Support dedicated to your needs

Filling in an income and expenditure form can help us understand your current financial position and find the best solution we have available to support you. It’s a series of questions about your income and outgoings (such as salary and mortgage payments or rent) to help us assess your circumstances. The form should only take around 10 to 15 minutes to complete.

Filling in the form won’t impact your credit file. However, depending on your circumstances, some of the solutions we offer may do. If this is the case, we’ll let you know.

If you’re coming to the end of a payment holiday or deferral and need further support please don’t fill in this form.

Who needs to fill in an income and expenditure form?

For credit card payment support, if you’re the main cardholder, you should complete this form.

For loan repayment support, if you’re a joint account holder, you’ll also need to complete the partner income section of the form. You only need to complete one form between you – rather than one per named account holder.

For mortgage repayment support, if you’re a joint account holder, you’ll also need to complete the partner income section of the form. You only need to complete one form between you – rather than one per named account holder. 

Completing the form

You’ll need to give:

  • basic information about yourself
  • your current employment status
  • your current monthly income and expenditure information

Be as precise as you can so we get an accurate view of your current financial position.

If you have a joint debt with another HSBC customer, you’ll also have to provide their income and details of any shared household bills.

If you’re signed up to Open Banking, you can save time by choosing to have information from your bank statements and bills pre-populated. If you use mobile banking, this process is best completed on your mobile phone.

You’ll only need to do this once, even if you hold multiple products with HSBC.

If you need to speak to us, you can also call one of these numbers:

Mortgages: 0345 850 0633

Credit cards, loans or overdrafts: 0345 850 0622

Lines open:

  • Monday - Friday 08:00 - 18:00
  • Saturday 08:00 - 16:00

What happens next?

Once you’ve submitted the form, we’ll contact you within 5 working days to let you know what options are available to you. Please note: if you need support it’s important to fill out the income and expenditure form as soon as possible. This will give us time to find the right solution for you.

There’s no need to contact us, we’ll keep you informed every step of the way.

Frequently Asked Questions

It's easy to answer your query online. Visit our Help page to find out how.