Enjoy peace of mind with the certainty of a fixed rate
With the HSBC Fixed Rate Home Loan, you can be confident in what your loan repayments will be every month with a competitive fixed rate.
- Choose one of our competitive fixed rates and keep your interest rate the same for a set period of time[@mortgages-fixed-rate-lock]
- Make extra repayments, up to $10,000 per year[@mortgages-fixed-break]
- Split your loan with one of our variable loans
2 year owner occupied interest rates
2 year owner occupied fixed rate[@borrowing-from-50k-fixed-rate], principal and interest with package[@mortgages-home-loan-package], 60% LVR or less6.29% p.a.Footnote link 3Footnote link 4
Comparison rate[@mortgages-comparison-warning]6.54% p.a.
Here's what you get with a Fixed Rate Home Loan
Fixed Rate interest rates
| Rate type | Interest rate3Footnote link 3Footnote link 3Footnote link 3Footnote link 3 | Comparison rate |
|---|---|---|
| Owner occupied | 6.29% p.a.Footnote link 4 | 6.54% p.a. |
| Investment | 6.44% p.a.Footnote link 4 | 6.72% p.a. |
| Rate type | Owner occupied |
|---|---|
| Interest rate3Footnote link 3Footnote link 3Footnote link 3Footnote link 3 | 6.29% p.a.Footnote link 4 |
| Comparison rate | 6.54% p.a. |
| Rate type | Investment |
| Interest rate3Footnote link 3Footnote link 3Footnote link 3Footnote link 3 | 6.44% p.a.Footnote link 4 |
| Comparison rate | 6.72% p.a. |
Comparison rate warning appliesFootnote link 5Footnote link 85Footnote link 5. Fixed rates are available for terms from 1 to 5 years.
Check all of our home loan fixed rates and reference rates.
Fees
| Fee | Details |
|---|---|
| Establishment fee | $600 (or $0 with the Home Loan Package) |
| Settlement fee | $150 (or $0 with the Home Loan Package) |
| Valuation fee | Quoted on application (or $0 with the Home Loan Package) |
| Variation fee (if you make changes to your loan) | $300 |
| Rate lock fee (optional) | $7501Footnote link 1Footnote link 1Footnote link 1Footnote link 1 |
| Fee | Establishment fee |
|---|---|
| Details | $600 (or $0 with the Home Loan Package) |
| Fee | Settlement fee |
| Details | $150 (or $0 with the Home Loan Package) |
| Fee | Valuation fee |
| Details | Quoted on application (or $0 with the Home Loan Package) |
| Fee | Variation fee (if you make changes to your loan) |
| Details | $300 |
| Fee | Rate lock fee (optional) |
| Details | $7501Footnote link 1Footnote link 1Footnote link 1Footnote link 1 |
Break costs may apply[@mortgages-fixed-break].
What you need to know
You may also be interested in
Don't want to switch to a variable interest rate upon your mortgage loan maturity date? Explore these other options.
This variable rate home loan comes with an offset account and a range of features tailored to your needs.
Learn about the different types of home loans so you understand what your options are.
Important information
Credit provided by HSBC Bank Australia ABN 48 006 434 162. Australian Credit Licence 232595. Home Loan Terms (PDF), Personal Banking Booklet (PDF), Fees and Charges (PDF) and lending criteria apply. See Target Market Determinations for our products.