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A woman passing a dish of grapes to a smiling girl at dining table; image used for HSBC home value loan page.

Home Loans

Whether you're buying, investing or refinancing let HSBC help you find the right loan

Home Value Loan

Enjoy a great variable rate and your own personal HSBC Relationship Manager to guide you through the home loan process.
  • A Relationship Manager to guide you through the application process
  • Unlimited free extra repayments
  • Flexibility to redraw additional payments for free online

  • No ongoing monthly service fee

  • Receive a complimentary Feng Shui report on your property

Promotional Offer

2.65% p.a.*
Interest Rate
2.66% p.a.

Comparison Rate
 

^Comparison rate warning applies

Premier Variable Rate Loan

Make extra payments as often as you like with our Premier Variable Rate home loan. It’s also available as a construction loan.
  • 100% offset account to save on interest repayments
  • A dedicated Relationship Manager
  • Includes a HSBC Premier Mastercard with HSBC rewards and no annual credit card fee giving you the freedom to earn points while your savings offset the interest in your home loan
  • Unlimited free online redraws on additional repayments

Promotional offer

2.75% p.a.
Interest Rate
3.21% p.a.

Comparison Rate
 

^Comparison rate warning applies

Premier Fixed Rate Loan

A Premier Fixed Rate Home Loan gives you the comfort by knowing your repayments will not change for up to 5 years.
  • Choose from 1 to 5 year fixed interest rate
  • A dedicated Relationship Manager
  • Includes a HSBC Premier Mastercard with HSBC rewards, and no annual credit card fee, giving you the freedom to earn points

Interest Rates

Based on a 3 year Premier fixed Owner Occupied Interest Rate (Principal and Interest)
2.19% p.a.
Interest Rate
3.07% p.a.

Comparison Rate
 

^Comparison rate warning applies

Terms & Conditions

^The comparison rate is based on a secured loan of $150,000 over the term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. 

*Available on new borrowings from $50,000 when applying by 31 July 2020. Rate not available to non-residents. Variable interest rate is current as at 29 June 2020 and is subject to change. Maximum loan amount is $7,500,000. Terms, conditions, and HSBC lending criteria applies. Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162. Australian Credit Licence/AFSL 232595.

HSBC Premier eligibility applies if you have: a minimum of $500,000 in loans; or a minimum of $200,000 in savings and investments; or a combination of loans, savings and investments totalling a minimum of $500,000 with HSBC Bank Australia Limited, as set out in the HSBC Premier Service Guide (PDF, 3.8 MB)