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Long stairs to a upper floor; 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

Refinance to HSBC

See a world others don't and receive $3,288 cashback** when you refinance your home loan to HSBC, discover our range of fixed or variable home loans to suit your needs.

Home Value Loan

Enjoy a great variable rate and your own personal HSBC Relationship Manager to guide you through the home loan process.

  • Unlimited free extra repayments

  • Flexibility to redraw additional payments for free

  • No ongoing monthly service fee

  • Receive $3,288 cashback** when refinancing to HSBC. Minimum refinance amount applies, see terms and conditions for full details.

Promotional offer available on new borrowings from $50,000.

Promotional Offer

2.52% p.a.*

Interest Rate

2.53% p.a.

Comparison Rate
 

^Comparison rate warning applies

Standard Variable Rate Home Loan

Make extra payments as often as you like and combine with an offset account to save on interest; a variable rate home loan that is great for both existing properties or as a construction loan.

  • 100% offset account

  • Flexibility to redraw additional payments for free

  • A Relationship Manager to guide you through the process

  • Receive $3,288 cashback** when refinancing to HSBC. Minimum refinance amount applies, see terms and conditions for full details

Promotional offer available on new borrowings from $50,000. Package eligibility applies1.

Featured rate

2.62% p.a.*

Interest rate with

Home Loan Package

3.06% p.a.

Comparison Rate
 

^Comparison rate warning applies

2 Year Fixed Rate Loan

Looking for some certainty? Now's the time to consider a Fixed Rate Home Loan. Be confident in what your repayments will be every month.

  • Choose from one of our competitive fixed rates

  • Make up to $10,000 of extra repayments a year+

  • The option to split with one of our variable loans

  • Receive $3,288 cashback** when refinancing to HSBC. Minimum refinance amount applies, see terms and conditions for full details.

Available on borrowings from $50,0002. Package eligibility applies1.

Featured rate

4.27% p.a.

Interest rate with

Home Loan Package

3.42% p.a.

Comparison Rate

^Comparison rate warning applies

Home Smart Loan

The Home Smart Loan offers the freedom of an equity loan plus the benefits of a variable rate principal and interest mortgage. Any additional funds that you pay into the Home Smart Loan allows you to pay off your home loan quicker.

  • A debit card that gives you access to your home loan with fee free redraws on available funds

  • Additional funds paid into this loan reduces interest charge

  • Variable interest rate

  • Receive $3,288 cashback** when refinancing to HSBC. Minimum refinance amount applies, see terms and conditions for full details.

* Promotional offer available on new borrowings from $50,000. Package eligibility applies1.

Featured rate

Owner Occupied with Principal and Interest repayment

2.72% p.a.#

Interest rate with

Home Loan Package

3.15% p.a.

Comparison Rate

^ Comparison rate warning applies

Home Equity Loan

Take advantage of the HSBC 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

  • A Relationship Manager to guide you through the process

  • Receive $3,288 cashback** when refinancing to HSBC. Minimum refinance amount applies, see terms and conditions for full details.

*Promotional offer available on new borrowings from $50,000. Package eligibility applies1.

Featured rate

Owner Occupied with interest only repayments

3.62% p.a.#

Interest rate with

Home Loan Package

Find all our low home loan rates in one place

Terms & Conditions 

* Excludes LVR above 70%.

** $3,288 cashback offer: To be eligible for the $3,288 refinance cashback, you must submit your new home loan applications for full approval between 15 February 2021 and 31 May 2022 and settle by 31 July 2022 and have refinanced from a financial institution other than HSBC Bank Australia. The offer is only available once per customer within this period. Maximum cashback amount of $3,288. Limit of one $3,288 cashback payment per borrowing entity and per customer. Where a home loan has more than one applicant and one applicant receives the cashback, all applicants are deemed to have received the cashback. Minimum refinance amount of $250,000 applies. Offer excludes construction loans, bridging loans and principal increases, non-residents and non-natural persons (such as trusts and companies). Cashback will be credited into your HSBC Transaction or Home Loan account within 60 days of settlement. Tax consequences may arise from this promotion for investors and you should seek independent financial or legal advice. Offer current as at 21 March 2022 and subject to change. Credit criteria, fees and charges apply.

^ 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.

Interest rate is current as at 23 May 2022 and is subject to change. Maximum loan amount is $15,000,000.

Rates vary based on LVR. Refer to our home loan featured interest rates page for more information.

# Excludes LVR above 80% 

  1. To be eligible for HSBC Home Loan Package, you must have minimum borrowings of $150,000 and pay the annual package fee of $390. The package fee will be deducted from the loan proceeds at settlement, and charged to the package home loan on the first business day of the loan anniversary month. Excludes non-resident applications.
  2. Reverts to HSBC's Standard Variable Rate. Fixed break costs may apply if repayments are greater than $10,000 per year or if the fixed contract is broken before the end of the fixed loan term.

Home Loan and personal banking terms, fees, charges and lending criteria apply.

Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162. Australian Credit Licence/AFSL 232595.