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Home Loans

Designed with flexibility and exclusive service to best suit your needs whatever house or apartment you are buying.

Home Value Loan

Enjoy a competitive 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

Promotional Offer

Based on an Owner Occupied Interest Rate (Principal and Interest)
3.59% p.a.*
Interest Rate
3.61% p.a.
Comparison Rate

The comparison rate is based on a secured loan of $150,000 over the term of 25 years. WARNING: This comparsion 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 1 February 2019. Rate not available to non-residents.

Variable Rate Loan

Make extra payments as often as you like with our Variable Rate home loan. It’s also available as a construction loan, and for bridging finance.
  • A 100% balance offset account, available on standard variable rate loans
  • Choose from weekly, fortnightly or monthly repayments. The flexibility to make additional repayments
  • Minimum borrowing amount $50,000

Interest Rates

Based on an Owner Occupied Interest Rate (Principal and Interest)
5.33% p.a.
Interest Rate
5.39% p.a.
Comparison Rate

The comparison rate is based on a secured loan of $150,000 over the term of 25 years. WARNING: This comparsion 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.

Home Smart Loan

The Home Smart Loan offers the freedom of an equity loan plus the control of a variable rate principal and Interest Home Loan. Any additional funds that you pay into the Home Smart Loan reduces interest charges.
  • Transactional access to your home loan with fee free redraws on available funds
  • Additional funds paid into this loan reduces interest charges
  • Variable interest rate
  • Minimum borrowing amount $50,000

Interest Rates

Based on an Owner Occupied Interest Rate (Principal and Interest)
5.33% p.a.
Interest Rate
5.39% p.a.
Comparison Rate

The comparison rate is based on a secured loan of $150,000 over the term of 25 years. WARNING: This comparsion 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.

Fixed Rate Loan

A Fixed Rate Home Loan allows you to lock-in an interest rate over a predetermined term, protecting you from rising interest rates. This allows you the comfort to budget for your home loan by knowing the repayments will not change for a fixed term.
  • 1 to 5 year fixed interest rate terms
  • Flexibility to make additional repayments up to $10,000 a year without incurring early repayment charges. Ability to split your home loan between Fixed and Variable
  • Minimum borrowing amount $50,000

Interest Rates

Based on a 3 year fixed Owner Occupied Interest Rate (Principal and Interest)
3.95% p.a.
Interest Rate
5.02% p.a.
Comparison Rate

The comparison rate is based on a secured loan of $150,000 over the term of 25 years. WARNING: This comparsion 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.

Home Equity Loan

As long as you have at least 20% equity in your home, you could take advantage of the Home Equity Loan, a line of credit giving you freedom to repay only interest with no fixed term.
  • Minimum repayments are interest only
  • Transactional access to your home loan with fee free redraws on available funds
  • No set loan term period
  • Minimum borrowing amount $20,000

Interest Rates

Based on an Owner Occupied Interest Rate (Interest Only)
5.41% p.a.
Interest Rate

Market Linked Loan

If you are an expatriate or investor earning an income in Hong Kong or US dollars and wanting to purchase an investment property in Australia the Market Linked Home Loan is just right for you.
  • Available for HSBC Premier Customers
  • Loan denomination and repayments available in HKD and USD
  • 50% discount on all home loan application and variation fees
  • Minimum borrowing amount $50,000

Interest Rates

HSBC Market Linked Loan Rate ‡ (Principal and Interest)
HKD$ – 3.64% p.a.
Interest Rate
USD$ - 4.58% p.a.
Interest Rate

Terms & Conditions

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Other fees and charges and conditions apply to all HSBC home loan products. Premier eligibility criteria applies to HSBC Premier loans, discounts and other benefits.

Credit provided by HSBC Bank Australia ABN 48 006 434 162. Australian Credit Licence 232595. Terms, conditions, fees, charges and HSBC lending criteria apply available from hsbc.com.au. Terms, conditions, fees, charges and minimum borrowing amounts apply to all HSBC home loans.

Rates are current as at 14 January 2019 and subject to change.

‡A margin may be added to the advertised rate to determine the interest rate.

*Excludes LVR above 80%. Variable interest rate is current as at 14 January 2019 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.