According to the group’s annual results, customer loans and advances at HSBC UK increased by 6% to £231.2 billion, supported mainly by expansion in home loans and commercial borrowing

HSBC UK recorded solid mortgage lending growth in 2025, with net mortgage advances rising by £6.4 billion and its retail mortgage market share rising to 8.1%.

According to the group’s annual results, customer loans and advances at HSBC UK increased by 6% to £231.2 billion, supported mainly by expansion in home loans and commercial borrowing.

The bank said it continued to have a significant footprint in the UK mortgage sector and had strengthened affordability checks and credit policies where it considered this necessary. It reported that the quality of its mortgage portfolio “remained strong”, with impairment allowances at low levels. For new lending, the average loan-to-value (LTV) stood at 69%, while the mortgage book as a whole had an average LTV of 55%.

HSBC Group said it saw further scope to expand its UK mortgage business and to grow its position in small and medium-sized enterprise (SME) banking.

Total revenue at HSBC UK increased by 5% or £489 million to £10.5 billion, driven largely by higher net interest income. The bank’s net interest margin rose from 2.56% in 2024 to 2.63% in 2025.

Profit at HSBC UK was broadly unchanged year on year, sliding by £28 million to £5.6 billion.

HSBC Group said it saw further scope to expand its UK mortgage business and to grow its position in small and medium-sized enterprise (SME) banking.

Total revenue at HSBC UK increased by 5% or £489 million to £10.5 billion, driven largely by higher net interest income. The bank’s net interest margin increased from 2.56% in 2024 to 2.63% in 2025.

Profit at HSBC UK was broadly unchanged year on year, sliding by £28 million to £5.6 billion.