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.
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Unlimited free extra repayments
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Flexibility to redraw additional payments for free
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No ongoing monthly service fee
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Establishment fee waived for Promotional Offer
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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.
Promotional Offer
Based on an Owner Occupied Interest Rate (Principal and Interest).
2.77% p.a.*
Interest Rate
2.78% 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.
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.
Relationship Manager
A helping hand to guide you through the process.
Award-winning Home Loan

Our Home Value Loan was awarded the Canstar 5-Star Rating for Outstanding Value Home Lender in February 2021.
Home Value interest rates
Principal and Interest |
Interest Rate |
Comparison Rate |
---|---|---|
Home Value Reference Rate |
4.65% p.a.* |
4.71% p.a. |
Home Value Featured Rate |
2.77% p.a.* |
2.78% p.a. |
Principal and Interest |
Home Value Reference Rate |
---|---|
Interest Rate |
4.65% p.a.* |
Comparison Rate |
4.71% p.a. |
Principal and Interest |
Home Value Featured Rate |
Interest Rate |
2.77% p.a.* |
Comparison Rate |
2.78% p.a. |
Principal and Interest |
Interest Rate |
Comparison Rate |
---|---|---|
Home Value Reference Rate |
5.27% p.a.* |
5.33% p.a. |
Home Value Featured Rate |
2.92% p.a.* |
2.93% p.a. |
Principal and Interest |
Home Value Reference Rate |
---|---|
Interest Rate |
5.27% p.a.* |
Comparison Rate |
5.33% p.a. |
Principal and Interest |
Home Value Featured Rate |
Interest Rate |
2.92% p.a.* |
Comparison Rate |
2.93% 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
- $600 Establishment Fee ($0 with promotional offer)
- $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 fees and charges guide.
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 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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