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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 - 97% Owner Occupier / 95% 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. |
| Intro Rate Available^ | Receive a discount off the Home Smart Loan variable rate for the first 12 months. |
| Package Discount Available^** | Rate and fee discounts available through HSBC packages. |
Still not sure which home loan suits you best?
Home Loan Selector Tool
Use our Home Selector tool to find the home loan that's right for you.
^Fees and charges apply.
^Terms and Conditions apply.
‡Lending criteria applies.
#A Deferred Establishment Fee applies if the loan is paid out within 3 years.
* HSBC ATM Card is required.
**Minimum criteria apply for eligibility.
Apply for a Home Loan
Call us on 1300 308 880
