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2 Year Fixed Rate Home Loan

Certainty with your repayments will help you see a world others don’t
T&Cs apply.

Know where you'll be in two years

Looking for some certainty? Now's time to lock in HSBC's low 2 Year 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 year1
  • The option to split with one of our variable loans
  • The option to lock in your home loan rate and protect you against rising interest rates.2
Package eligibility applies3.

Featured Rate

2 year fixed rate for owner occupied 60% LVR with principal and interest repayments
6.29% p.a.*

Interest Rate with

Home Loan Package

6.50% p.a.

Comparison Rate


^Comparison rate warning applies  

Refinancing your home loan?

When you see a world that others don't, you see unique opportunities. Refinance your current home loan to HSBC and you can benefit by:

  • Reducing your monthly repayments with a lower rate
  • Decreasing the time it takes to pay off your home loan
  • Building your equity faster with a lower rate

Benefit from a discount on the fixed rate and variable revert rate with the HSBC Home Loan Package, and for one annual fee of $390 you also enjoy:

  • $0 Establishment Fee
  • $0 Valuation Fee4
  • $0 Settlement Fee

^ 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 borrowings from $50,000. Package eligibility applies. Interest rate is current as at 04 December 2023 and is subject to change. Reverts to HSBC's Standard Variable Rate. Maximum loan amount is $15,000,000.

  1. 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.
  2. Fixed rate lock terms apply
  3. 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.
  4. Standard valuations only.

Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162. Australian Credit Licence/AFSL 232595. Home Loan Terms and Personal Banking Bookletfees and charges and lending criteria apply.