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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 Relationship 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 

  • Establishment fee waived for Promotional Offer

  • 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).

1.97% p.a.*

Interest Rate

1.98% 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 March 2022 and settled by 31 May 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

Logo image of canstar home value award.

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 for owner occupied

Principal and Interest
 Interest Rate
 Comparison Rate
Home Value Reference Rate
 3.90% p.a.*
 3.96% p.a.
Home Value Featured Rate
 1.97% p.a.*
 1.98% p.a.

Principal and Interest for owner occupied

Principal and Interest
 Home Value Reference Rate
Interest Rate
 3.90% p.a.*
Comparison Rate
 3.96% p.a.
Principal and Interest
 Home Value Featured Rate
Interest Rate
 1.97% p.a.*
Comparison Rate
 1.98% p.a.

Principal and Interest for investments

Principal and Interest
 Interest Rate
 Comparison Rate
Home Value Reference Rate
 4.52% p.a.*
 4.58% p.a.
Home Value Featured Rate
 2.27% p.a.*
 2.28% p.a.

Principal and Interest for investments

Principal and Interest
 Home Value Reference Rate
Interest Rate
 4.52% p.a.*
Comparison Rate
 4.58% p.a.
Principal and Interest
 Home Value Featured Rate
Interest Rate
 2.27% p.a.*
Comparison Rate
 2.28% p.a.

The rates shown are for principal and interest repayment and are current as of 17 January 2022. Rates are subject to change.

^ Comparison Rate Warning Applies

See all Home Value Loan interest rates

See all Home Value Loan reference rates

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

New customers

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

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.

The Canstar 5-Star Rating for Outstanding Value Home Lender, and Variable Home Lender in the Owner Occupied category was awarded in March 2020.

Interest rate is current as at 17 January 2022 and is subject to change. Maximum loan amount is $15,000,000.

Available on new borrowings from $50,000.

*Excludes LVR above 70%.

** $3,288 cashback offer: To be eligible for the $3,288 refinance cashback, you must submit your new home loan applications for full approval between 15 February 2021 and 31 March 2022 and settle by 31 May 2022 and have refinanced from a financial institution other than HSBC Bank Australia. The offer is only available once per customer within this period. Maximum cashback amount of $3,288. Limit of one $3,288 cashback payment per borrowing entity and per customer. Where a home loan has more than one applicant and one applicant receives the cashback, all applicants are deemed to have received the cashback. Minimum refinance amount of $250,000 applies. Offer excludes construction loans, bridging loans and principal increases, non-residents and non-natural persons (such as trusts and companies). Cashback will be credited into your HSBC Transaction or Home Loan account within 60 days of settlement. Tax consequences may arise from this promotion for investors and you should seek independent financial or legal advice. Offer current as at 15 December 2021 and subject to change. Credit criteria, fees and charges apply.

  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.