Make your dream home a reality with the HSBC Home Value Loan
Get a competitive variable rate and the support of a dedicated HSBC home loan manager to guide you through the process.
- Unlimited free extra repayments
- Access your money when you need it with free redraws
- Save with no monthly service fee
Owner occupied interest rates
Loan to Value Ratio (LVR) 60% or less, principal and interest rate[@loans-home-value-offer] 5.49% p.a.Footnote link 1
Comparison rate[@mortgages-comparison-warning]
5.50% p.a.
What you get with an HSBC Home Value Loan
Home Value interest rates
| Rate type | Interest rate1 | Comparison rate |
|---|---|---|
| Owner occupied | 5.49% p.a.Footnote link 1 | 5.50% p.a. |
Investment |
5.69% p.a. | 5.70% p.a. |
| Rate type | Owner occupied |
|---|---|
| Interest rate1 | 5.49% p.a.Footnote link 1 |
| Comparison rate |
5.50% p.a. |
| Rate type |
Investment |
| Interest rate1 | 5.69% p.a. |
| Comparison rate |
5.70% p.a. |
Rates are current as of 30 June 2025 and are subject to change.
Comparison rate warning applies.[@mortgages-comparison-warning]
Check all of our Home Value Loan interest rates and reference rates.
Fees
| Fee | Details |
|---|---|
| Establishment fee | $0 |
| Settlement fee | $150 (or $0 with our promotional offer) |
| Valuation fee | Quoted during your application |
| Variation fee (if you make changes to your loan) | $300 |
| Fee | Establishment fee |
|---|---|
| Details | $0 |
| Fee | Settlement fee |
| Details | $150 (or $0 with our promotional offer) |
| Fee | Valuation fee |
| Details | Quoted during your application |
| Fee | Variation fee (if you make changes to your loan) |
| Details | $300 |
Important documents
Ready to get started?
Enquire now
If you'd like to find out more about our home loans, fill in our enquiry form and one of our home loan managers will get in touch with you.
You might also be interested in
Find out roughly how much you might be able to borrow for a home loan.
Whether you're buying, investing or refinancing, we have a home loan to suit your needs.
It can be hard to know how to get started – we're here to help make the process of becoming a first home buyer easier.
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.