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Home Smart Loan

The smart loan that combines your income, savings, and loan into one account.

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]5.74% p.a.Footnote link 1

Comparison rate[@mortgages-comparison-warning]

6.11% p.a.Footnote link 1

Enjoy the benefits of our Home Loan Package, included

Benefit from our Home Loan Package, included with all Home Equity and Home Smart loans. For only $390 per year, you'll enjoy:

  • $0 establishment fee
  • $0 valuation fee (for standard valuations only)
  • $0 settlement fee

What you get with a Home Smart Loan

Free redraws

Get unlimited access to free redraws so that you can use your money when you need it.

Free local transactions

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

Support from a Home Loan Manager

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

Home Loan Package

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

Home Smart interest rates

These interest rates are for owner occupied and investment properties with principal and interest repayments.
Rate type Interest rate1Footnote link 1 Comparison rate
Owner occupied 5.74% p.a. 6.11% p.a.
Investment 5.94% p.a.Footnote link 2 6.31% p.a.
These interest rates are for owner occupied and investment properties with principal and interest repayments.
Rate type Owner occupied
Interest rate1Footnote link 1 5.74% p.a.
Comparison rate
 6.11% p.a.
Rate type Investment
Interest rate1Footnote link 1 5.94% p.a.Footnote link 2
Comparison rate
 6.31% p.a.

Rates are current as of 14 July 2025 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

Find out the additional costs for your loan.
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
Find out the additional costs for your loan.
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

Ready to get started?

Enquire now

If you'd like to find out more about all our home loans, fill in our enquiry 
form and one of our home loan managers will get in touch with you.

Contact us by phone

Speak to a home loan manager today for instant support.

Other ways to apply 

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Important information

Credit provided by HSBC Bank Australia ABN 48 006 434 162. Australia Credit Licence 232595. Home Loan Terms (PDF, 4MB), Personal Banking Booklet (PDF, 1.2MB), Fees and Charges (PDF, 727KB) and lending criteria apply. See Target Market Determinations for our products.