HSBC Bank Australia

The world's local bank

You are here:

Home Loans

You are not logged on. Internet Banking Not logged on to Australian Personal Internet Banking

Home Smart Loan^{^}

Equity in your home? This home loan makes it come to life.

Home Loan Features - Equity and Control

The Home Smart Loan offers the freedom of an equity loan plus the control of a variable rate principle and Interest Home Loan. Any additional funds that you pay into the Home Smart Loan reduces interest charges.

Key Home Loan Features

Interest Type - Variable Rate
Purpose - Owner Occupier and Equity-Building Investment
Maximum Loan to Value Ratio - 90% Owner Occupier / 90% Investment^‡
Loan Amount - $50,000 Minimum / $7,500,000 Maximum
Maximum Loan Term - 30 Years

Other Home Loan Features

Feature	Description
Monthly Account Keeping Fees	No monthly account keeping fees.
Repayment Type Options	Principle and Interest Only.
Repayment Frequency Options	Monthly Only.
Make Extra Payments ^{^#}	Flexibility to make additional repayments without penalty can save you interest and can be accessed at anytime.
Redraw (Cash back) Available^{^}	20 free transactions per month.
Internet and Telephone Banking^{^}	Transact and get up to date balance information about your home loan account through our internet and telephone banking.
All in One Transaction Loan^{^}	The ability to transact on the Home Loan via ATM*, EFTPOS, BPAY®, Phone / Internet Banking and Bank@Post™.
Ability to Split Home Loan^{^}	Mix and match with our other home loans to tailor the solution you need. You get one free split at the time of application.
Portable Home Loan^{^}	Save on application and other fees by keeping the same loan even if you to sell and buy elsewhere.
Package Discount Available^{^**}	Rate and fee discounts available through HSBC packages.