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Fixed Rate Home Loan

Security and peace of mind with set repayments to protect yourself from interest rises. Apply Today for a HSBC home loan

Why choose a 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.
  • Flexibility to make additional repayments up to $10,000 a year without incurring early repayment charges
  • 1 to 5 year fixed interest rate terms available
  • 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)
4.05% p.a.
Interest Rate
5.05% 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.

Key product details

Key product details for fixed rate home loan
Product Features Details

Interest type

Fixed (1-5 years)

Maximum Loan to Value Ratio (LVR) Owner Occupied

90%1

Maximum Loan to Value Ratio (LVR) Investment

80%1

Loan amount

Apply for $50,000 to $7,500,000, subject to approval.

Combine

Combine this loan with one of our other competitive home loan products.

Portable

Apply to transfer your home loan to your new property if you decide to move, subject to approval.

Redraw of available funds

No.

Repayment options

Principal and Interest or Interest Only2

Repayment method

Direct Credit DDR - external or internal deposit account.

Repayment frequency

Schedule your repayments to match the timing of your income. Choose weekly, fortnightly or monthly repayments.

Additional repayments

Make additional payments of up to $10,000 in any 12 month period. Break costs (PDF, 27KB) may apply after that.

Loan term

1 to 30 years.

Purpose

Available for owner occupied or investment.

Interest Rates

Interest rates for fixed rate home loan

Interest rate

(Principal and Interest)

Fixed rate (Owner Occupied) Fixed rate (Investors)
1 Year 3.80% p.a.
4.10% p.a.
2 Year 3.85% p.a.
4.15% p.a.
3 Year 4.05% p.a.
4.35% p.a.
4 Year 4.25% p.a.
4.59% p.a.
5 Year 4.35% p.a.
4.69% p.a.

Rates are current as at:

(and subject to change)

17 September 2018  
Comparison rates for fixed rate home loan

Comparison rate

(Principal and Interest)

Fixed rate (Owner Occupied) Fixed rate (Investors)
1 Year 5.24% p.a.
5.83% p.a.
2 Year 5.12% p.a.
5.67% p.a.
3 Year 5.05% p.a.
5.57% p.a.
4 Year 5.02% p.a.
5.53% p.a.
5 Year 4.98% p.a.
5.48% p.a.

Rates are current as at:

(and subject to change)

17 September 2018  

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 Only Rates are available on HSBC's Interest Rate page. Terms, conditions and restrictions apply.

Fees

Fees for fixed rate home loan
Fee Type Details
Monthly fee $0
(Other fees and charges may apply)
Establishment fee $600
Valuation fee Quoted on application
Settlement fee $150
Redraw fee Redraw is not available on this loan.
Variation fee $300
Early repayment fee Break costs may apply

Other fees and charges may apply. Please refer to fees and charges guide (PDF, 68 KB).

Apply for a Fixed Rate Home Loan

New customers

New HSBC Australia customers or existing customer who do not have online banking

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Find the facts and figures you need to help make decisions.

Information to help you through the process of buying your home.

Information to help you make your first big investment into property

1 Loan to Value Ratio (LVR) subject to HSBC's assessment, lending criteria and Lender's Mortgage Insurance (LMI) acceptance.

2 Maximum interest only terms available are 3 Years - Owner Occupied and 5 Years - Investment.

Credit provided by HSBC Bank Australia ABN 48 006 434 162. Australia Credit Licence 232595. Terms, conditions (PDF, 505KB)

Fees, charges (PDF, 68 KB)  and lending criteria apply.