Why choose a Home Smart Loan?
The Home Smart Loan offers the freedom of an equity loan plus the benefits of a variable rate principal and interest mortgage. Any additional funds that you pay into the Home Smart Loan allows you to pay off your home loan quicker.
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A debit card that gives you access to your home loan with fee free redraws on available funds
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Additional funds paid into this loan reduces interest charge
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Variable interest rate
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Receive $3,288 cashback** when refinancing to HSBC. Minimum refinance amount applies, see terms and conditions for full details.
* Promotional offer available on new borrowings from $50,000. Package eligibility applies1.
Featured rate
Owner Occupied with Principal and Interest repayment
2.92% p.a.*
Interest rate with
Home Loan Package
3.35% 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. Right now, refinance your current home loan to HSBC with a minimum of $250k and receive $3,288 cashback** 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
Available on refinance applications submitted to HSBC from 15 February 2021 to 31 August 2022 and settled by 31 October 2022. See terms and conditions for full details.
Enjoy a discount on the variable rate with a Home Loan Package

Benefit from a discount on the Home Smart variable rate with the HSBC Home Loan Package, and for one annual fee of $390 per annum you will also enjoy:
- $0 Establishment Fee
- $0 Valuation Fee2
- $0 Settlement Fee
Features & Benefits
Get the flexibility you want with the features and benefits you need.
Home Loan Package
Receive a discount on the standard variable rate (owner occupied) for a fee of $390 per annum.
Free redraws of available funds
Unlimited access to free redraws so that you have access to your money when you need it.
Relationship Manager
A helping hand to guide you through the process.
Free transactions
Easy access to your home loan with a Debit card, Apple Pay3 , unlimited free local transactions.
Home Smart Loan interest rates
Principal and Interest |
Interest Rate |
Comparison Rate |
---|---|---|
Home Smart Reference Rate |
5.26% p.a. |
5.68% p.a. |
Home Smart (with Package) |
2.92% p.a.* |
3.35% p.a. |
Principal and Interest |
Home Smart Reference Rate |
---|---|
Interest Rate |
5.26% p.a. |
Comparison Rate |
5.68% p.a. |
Principal and Interest |
Home Smart (with Package) |
Interest Rate |
2.92% p.a.* |
Comparison Rate |
3.35% p.a. |
Principal and Interest |
Interest Rate |
Comparison Rate |
---|---|---|
Home Smart Reference Rate |
5.88% p.a. |
6.29% p.a. |
Home Smart (with Package) |
3.07% p.a.* |
3.50% p.a. |
Principal and Interest |
Home Smart Reference Rate |
---|---|
Interest Rate |
5.88% p.a. |
Comparison Rate |
6.29% p.a. |
Principal and Interest |
Home Smart (with Package) |
Interest Rate |
3.07% p.a.* |
Comparison Rate |
3.50% p.a. |
The rates shown are for principal and interest repayment and are current as of 27 June 2022. Rates are subject to change.
^ Comparison Rate Warning Applies
Fees
- $0 Establishment Fee
- $0 Settlement Fee
- $0 Valuation Fee2
- $300 variation fee for changes to your loan
Other fees and charges may apply. Please refer to fees and charges guide.
Apply for a Home Smart Variable Rate Home Loan
Call us, visit a branch or start a conversation online.
Online
Complete our online enquiry form and one of our Relationship Managers will be in touch with you.
By phone
Call us on 1300 694 722
In branch
Find your nearest branch to branch finder to speak to us in person.
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