Home Equity Loan

We’re no longer accepting applications.

If you already have an HSBC home loan, please visit our Important notices page to find out more.

Fuss free and full of flexibility

Take advantage of the HSBC Home Equity Loan, which is a line of credit that gives you the freedom to pay interest only for the life of the loan.

Loan to Value Ratio (LVR) 80% or less, interest only rate[@loans-home-equity-promo-offer] with package[@mortgages-home-loan-package]
7.37% p.a.

You can make additional repayments as you wish or choose to pay interest only.

Make free local transactions[@other-fees-charges-apply] from your home loan using your debit card and via mobile payments.[@cards-mobile-payments]

Get a helping hand to guide you through the process, every step of the way.

With our Home Loan Package included, you can pay your mortgage faster with fewer upfront fees – all for $390 per year.

These interest rates are for owner occupied and investment properties with interest only payments.
Rate type	Interest rate^{[@loans-home-equity-promo-offer]}
Owner occupied	7.37% p.a.
Investment	7.57% p.a.

These interest rates are for owner occupied and investment properties with interest only payments.
Rate type	Owner occupied
Interest rate^{[@loans-home-equity-promo-offer]}	7.37% p.a.

Rate type	Investment
Interest rate^{[@loans-home-equity-promo-offer]}	7.57% p.a.

Rates are for interest only payments, and are current as of 10 August 2026. Rates are subject to change.

Check all of our home loan interest rates and reference rates.

Find out the additional costs for your loan – additional fees may apply, please refer to the schedule of fees and charges for home loans.
Fee	Details
Establishment fee	$0
Settlement fee	$0
Valuation fee (for standard valuations only)	$0
Home Loan Package fee	$390
Variation fee (if you make changes to your loan)	$300

Find out the additional costs for your loan – additional fees may apply, please refer to the schedule of fees and charges for home loans.
Fee	Establishment fee
Details	$0

Fee	Settlement fee
Details	$0

Fee	Valuation fee (for standard valuations only)
Details	$0

Fee	Home Loan Package fee
Details	$390

Fee	Variation fee (if you make changes to your loan)
Details	$300

Whether you're buying, investing or refinancing, we have a home loan to suit your needs.

Discover how equity works and how you might be able to use your existing equity to buy an investment property.

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.