Top of main content

Home Value Home Loan

Make your home a little more you with a low variable interest rate Apply Today for a HSBC home loan

Why choose a Home Value Loan?

Enjoy a competitive variable rate and your own personal HSBC Relationship Manager to guide you through the home loan process.
  • A Relationship Manager to guide you through the application process
  • Unlimited free extra repayments
  • Flexibility to redraw additional payments for free online
  • No ongoing monthly service fee 

Promotional Offer

Based on an Owner Occupied Interest Rate (Principal and Interest)
3.59% p.a.*
Interest Rate
3.61% p.a.
Comparison Rate

The comparison rate is based on a secured loan of $150,000 over the term of 25 years. WARNING: This comparsion 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.

 

Available on new borrowings from $50,000 when applying by 31 December 2018. Rate not available to non-residents.

Key product details

Key product details for the Home Value home loan

Product Features

Details

Interest type

Variable

Maximum Loan to Value Ratio (LVR) Owner Occupied

90%1

Maximum Loan to Value Ratio (LVR) Investment

80%1

Loan amount

Apply for $50,000 to $7,500,000, subject to approval.

Combine

Combine it with one of our other competitive home loan products.

Portable

Transfer your home loan to a new property if you decide to move, subject to approval.

Redraw of available funds

Unlimited. Your first redraw per month is free, then a $20 fee applies per redraw. Please note, this fee will not apply if you make a redraw request via Internet banking.

Repayment options

Principal and Interest or Interest Only2

Repayment method

Direct Credit DDR - external or internal deposit account3.

Payment frequency

Schedule your repayments to match the timing of your income. Choose from weekly, fortnightly or monthly repayments.

Additional repayments

The flexibility to make additional repayments without an early repayment fee could save you interest.

Loan term

1 to 30 years.

Purpose

Available for owner-occupied or investment.

Rates and fees

Rates for the Home Value Promotional Offer

Rate Type

Owner Occupied

Investor

Promotional Offer Interest Rate

(Principal and Interest)

3.59% p.a.*

-

Promotional Offer Comparison Rate

(Principal and Interest)

3.61% p.a.
-

Rates are current as at:

(and subject to change)

12 November 2018

 Promotional offer available on new loan borrowings from $50,000 when applying by 31 December 2018. Rate not available to non-residents. Discount of 1.13% applied off non promotional Home Value rate.

 

Rates for the Home Value home loan

Rate Type

Owner Occupied

Investor

Interest Rate

(Principal and Interest)

4.72% p.a.

5.34% p.a.

Comparison Rate

(Principal and Interest)

4.78% p.a.

5.40% p.a.

Interest Rate

(Interest Only)

4.72% p.a.

5.64% p.a.

Comparison Rate

(Interest Only)

4.78% p.a.

5.52% p.a.

Rates are current as at:

(and subject to change)

12 November 2018

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.

 

Fees for the Home Value home loan
Fee Type Details
Monthly Fee
$0
(Other fees and charges may apply)
Establishment fee
$600
Valuation fee
Quoted on application
Settlement fee
$150
Redraw fee
First redraw per month free, thereafter $20 per redraw applies. This fee will not apply if you make a redraw request via Internet banking.
Variation fee
$300
Early repayment fee
$0

Other fees and charges may apply. Please refer to fees and charges guide (PDF, 68 KB).

Apply for a Home Value Home Loan

New customers

New HSBC Australia customers or existing customer who do not have online banking

You might be interested in

Compare our range of HSBC Home Loans.

Find the facts and figures you need to help make decisions.

Information to help you through the process of buying your home.

Information to help you make your first big investment into property

The Canstar 5-Star Rating for Outstanding Value Home Lender, and Variable Home Lender in the Owner Occupied category was awarded in March 2018.

1 Loan to Value Ratio (LVR) subject to HSBC's assessment, lending criteria and Lender's Mortgage Insurance (LMI) acceptance.

2 Maximum interest only terms available are 3 Years - Owner Occupied and 5 Years - Investment.

3This advertisement provides general advice only and doesn't take into account your objectives, financial situation or needs. Consider the Product Disclosure Statement (PDS) (PDF, 645 KB) before acquiring this product, available by calling 1300 308 008, at your local branch or www.hsbc.com.au.

Credit provided by HSBC Bank Australia ABN 48 006 434 162. Australia Credit Licence 232595. Terms, Conditions(PDF, 505 KB), fees, charges(PDF, 68 KB) and lending criteria apply.

*Excludes LVR above 80%. Variable interest rate is current as at 12 November 2018 and is subject to change. Maximum loan amount is $7,500,000. Terms, conditions, and HSBC lending criteria applies. Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162. Australian Credit Licence/AFSL 232595.