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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
  • No ongoing monthly service fee

Promotional Offer

2.59% p.a.*
Interest Rate
2.60% 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

*Promotional offer available on new borrowings from $50,000, apply by 31 January 2021.

Package eligibility applies1.

Featured rate

Owner Occupied with Principal and Interest repayment
2.69% p.a.*

Interest rate with

Home Loan Package

3.12% p.a.

Comparison Rate
 

^Comparison rate warning applies

2 Year Fixed Rate Loan

Looking for some certainty? Be confident in what your repayments will be every month. Plus, enjoy the benefits of:
  • A Relationship Manager to guide you through the application process
  • The security of a fixed rate for 2 years
  • The ability to make $10,000 extra repayments per year+
  • No ongoing monthly service fees or annual fees
  • The option to split with one of our variable home loans

2 Year Fixed Rate Loan

2.09% p.a.#
Interest Rate
3.03%.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.

* Promotional offer available on new borrowings from $50,000 when applying by 31 January 2020. Package eligibility applies. Excludes LVR above 80%. Variable interest rate is current as at 19 November 2020 and is subject to change. Maximum loan amount is $15,000,000.

# Available on borrowings from $50,000. Excludes LVR above 80%. Interest rate is current as at 19 November 2020 and is subject to change. Reverts to HSBC’s Standard Variable Rate. Maximum loan amount is $15,000,000.

 

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.

 

+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.

Maximum loan amount is $15,000,000. Home Loan and personal banking terms, fees, charges and lending criteria apply.

 

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