Make your house a home with a smart loan
With the HSBC Home Smart Loan, you’ve got flexibility at your doorstep. You'll get a variable rate mortgage with principal and interest repayments. Plus, you can put your income and savings towards your loan to pay it off faster.
- Get a debit card that gives you access to your home loan
- Make unlimited redraws from your available funds
- Reduce your interest charges with additional repayments to your loan
Owner occupied interest rates
Loan to Value Ratio (LVR) 80% or less, principal and interest rate[@loans-smart-home-promo-offer] with package[@mortgages-home-loan-package]6.24% p.a.Footnote link 1
Comparison rate[@mortgages-comparison-warning]
6.61% p.a.Footnote link 1
What you get with a Home Smart Loan
Home Smart interest rates
| Rate type | Interest rate1Footnote link 1 | Comparison rate |
|---|---|---|
| Owner occupied | 6.24% p.a. | 6.61% p.a. |
| Investment | 6.44% p.a.Footnote link 2 | 6.80% p.a. |
| Rate type | Owner occupied |
|---|---|
| Interest rate1Footnote link 1 | 6.24% p.a. |
| Comparison rate |
6.61% p.a. |
| Rate type | Investment |
| Interest rate1Footnote link 1 | 6.44% p.a.Footnote link 2 |
| Comparison rate |
6.80% p.a. |
Rates are current as of 10 August 2026 and are subject to change.
Comparison rate warning applies.[@mortgages-comparison-warning]
Check all of our home loan interest rates and reference rates.
Fees and charges
| Fee or charge | 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 |
| Fee or charge | Establishment fee |
|---|---|
| Details | $0 |
| Fee or charge | Settlement fee |
| Details | $0 |
| Fee or charge | Valuation fee (for standard valuations only) |
| Details | $0 |
| Fee or charge | Home Loan Package fee |
| Details | $390 |
| Fee or charge | Variation fee (if you make changes to your loan) |
| Details | $300 |
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Investing in property sounds like a great opportunity, but how do you actually get started?
Make extra payments as often as you like, and combine your loan with an offset account to save on interest.
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.