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Variable Rate Loan (Hidden CJM)

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Variable Rate Home Loan^{^}

Repayment flexibility. That's the benefit of a variable rate home loan.

Home Loan with Variable Interest - Features

Our Variable Rate home loan offers complete repayment flexibility and a full range of features with no ongoing monthly fees. You can make additional payments when you want, as often as you want. Our Variable Rate home loan is also available as a construction loan or for bridging finance purposes. If you are self employed, low documentation is an available option.

Key Home Loan Features

Interest Type - Variable Rate
Purpose - Owner Occupier and 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 Features

Feature	Description
Monthly Account Keeping Fees	No monthly account keeping fees.
Repayment Type Options	Option to pay Principle and Interest or Interest Only for a maximum of 3 years. If you pay interest only, monthly repayments are required.
Repayment Frequency Options	Schedule your repayments to match the timing of your income. You can choose Monthly, Weekly or Fortnightly.
Make Extra Payments^#	Flexibility to make additional repayments without penalty can save you interest.
Redraw (Cash back) Available^{^}	Have the freedom to redraw any additional pre-payments (minimum $500).
Internet and Telephone Banking^{^}	Get up to date balance information about your home loan account through our internet and telephone banking.
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 our standard variable rate for the first 12 months.
Package Discount Available^{^*}	Rate and fee discounts available through HSBC packages.
Low Doc Option^{^}	Ideal choice where one or all borrowers are self employed.
Construction and Land^{^}	Loan can be used for purchasing land or construction.
Bridging Loan^{^}	Loan can be used for purchasing a new home prior to the sale of your existing home. During the bridging period, you will not have to make principal repayments.

Still not sure which home loan suits you best?

Home Loan Selector Tool

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.
Notice of Change to fees, charges, terms and conditions.

^‡Lending criteria applies.
^#A Deferred Establishment Fee applies if the loan is paid out within 3 years.
^*Minimum criteria apply for eligibility.