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Home Smart Loan

Combine your income, savings and loan into one account.

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.
  • A debit card that gives you access to your home loan with fee free redraws on available funds
  • Additional funds paid into this loan reduces interest charge
  • Variable interest rate
* Promotional offer available on new borrowings from $50,000. Package eligibility applies1.

Featured rate

Owner Occupied with Principal and Interest repayment
6.19% p.a.*

Interest rate with

Home Loan Package

6.56% p.a.

Comparison Rate

^ Comparison rate warning applies

Enjoy a discount on the variable rate with a Home Loan Package

An indoor tent, a sofa and some boxes.

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.

Home Loan 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 for owner occupied
Principal and Interest
 Interest Rate
 Comparison Rate
Home Smart Reference Rate
 8.76% p.a.
 9.14% p.a.
Home Smart (with Package)
 6.19% p.a.*
 6.56% p.a.
Principal and Interest for owner occupied
Principal and Interest
 Home Smart Reference Rate
Interest Rate
 8.76% p.a.
Comparison Rate
 9.14% p.a.
Principal and Interest
 Home Smart (with Package)
Interest Rate
 6.19% p.a.*
Comparison Rate
 6.56% p.a.
Principal and Interest for investments
Principal and Interest
 Interest Rate
 Comparison Rate
Home Smart Reference Rate
 9.38% p.a.
 9.76% p.a.
Home Smart (with Package)
 6.39% p.a.*
 6.75% p.a.
Principal and Interest for investments
Principal and Interest
 Home Smart Reference Rate
Interest Rate
 9.38% p.a.
Comparison Rate
 9.76% p.a.
Principal and Interest
 Home Smart (with Package)
Interest Rate
 6.39% p.a.*
Comparison Rate
 6.75% p.a.

The rates shown are for principal and interest repayment and are current as of 04 December 2023. Rates are subject to change.

^ Comparison Rate Warning Applies  

See all home loan package interest rates

See all home loan reference rates

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 Schedule of Fees and Charges for Home Loans.

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 home loan 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.

Apply by phone or branch 

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Terms & Conditions 

^ 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.

* Promotional offer available on new borrowings from $50,000. Package eligibility applies. Excludes LVR (Loan to Value ratio) above 80%. Interest rate is current as at 04 December 2023 and is subject to change. Maximum loan amount is $15,000,000.

  1. To be eligible for HSBC Home Loan Package, you must have minimum borrowings of $150,000 and pay the annual package fee of $390. The package fee will be deducted from the loan proceeds at settlement, and charged to the package home loan on the first business day of the loan anniversary month. Excludes non-resident applications.
  2. Standard valuations only.
  3. Terms and conditions apply to the use of Apple Pay and Google Pay. Excludes HSBC Corporate Cards.

Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162. Australian Credit Licence/AFSL 232595. Home Loan Terms, and Personal Banking Booklet, fees and charges and lending criteria apply.