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See a world others don't

With our low rate HSBC Home Value Loan, you'll see the full potential in every property.

Why choose a Home Value Loan?

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

  • Settlement fee waived for Promotional Offer
Promotional offer available on new borrowings from $50,000.

Promotional Offer

Based on an Owner Occupied Interest Rate (Principal and Interest).
5.99% p.a.*
Interest Rate
5.99% p.a.

Comparison Rate
 

^Comparison rate warning applies

Features and benefits

Get the flexibility you want with the features and benefits you need.

Flexible repayments

Make additional repayments and save on interest.

Free redraws

Unlimited access to free redraws so that you have access to your money when you need it.

Low fees

Save with no monthly or annual fee.

Home Loan Manager

A helping hand to guide you through the process.

Award-winning Home Loan

Our award-winning Home Value Loan has won multiple awards, including Canstar's 5-star rating for Outstanding Investment Variable Home Lender, and Mozo’s First Home Buyer Loan Award in February 2022.

Home Value interest rates

Principal and Interest for owner occupied
Principal and Interest
Interest Rate
Comparison Rate
Home Value Reference Rate
8.15% p.a.
8.22% p.a.
Home Value Featured Rate
5.99% p.a.*
5.99% p.a.
Principal and Interest for owner occupied
Principal and Interest
Home Value Reference Rate
Interest Rate
8.15% p.a.
Comparison Rate
8.22% p.a.
Principal and Interest
Home Value Featured Rate
Interest Rate
5.99% p.a.*
Comparison Rate
5.99% p.a.
Principal and Interest for investments
Principal and Interest
Interest Rate
Comparison Rate
Home Value Reference Rate
8.77% p.a.
8.84% p.a.
Home Value Featured Rate
6.19% p.a.*
6.19% p.a.
Principal and Interest for investments
Principal and Interest
Home Value Reference Rate
Interest Rate
8.77% p.a.
Comparison Rate
8.84% p.a.
Principal and Interest
Home Value Featured Rate
Interest Rate
6.19% p.a.*
Comparison Rate
6.19% p.a.

The rates shown are for principal and interest repayment and are current as of 20 May 2024. Rates are subject to change.

^ Comparison Rate Warning Applies

See all Home Value Loan interest rates

See all Home Value Loan reference rates

Fees

  • $0 Establishment Fee (saving $600)
  • $150 Settlement Fee ($0 with promotional offer)
  • Valuation Fee quoted on application
  • $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 Value 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.

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^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.

The Canstar 5-Star Rating for Outstanding Investment Variable Home Lender and Investment Home Lender, was awarded in April 2023, and Mozo's First Home Buyer Loan Award in February 2022.

Interest rate is current as at 20 May 2024 and is subject to change. Maximum loan amount is $15,000,000.

Available on new borrowings from $50,000.

*Excludes LVR above 60%.

  1. Maximum interest only terms available are 3 Years - Owner Occupied and 5 Years - Investment.
  2. Loan to Value Ratio (LVR) subject to HSBC's assessment, lending criteria and Lender's Mortgage Insurance (LMI) acceptance.

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