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An indoor tent, a sofa and some boxes; image used in HSBC Home loans Package.

HSBC Home Loan Package

Streamline your loan with an HSBC Home Loan Package and be eligible for a discount off your rate and fees.

Take advantage of a lower interest rate and less upfront fees so that you can pay off your mortgage faster – all for just $390 per annum.

Features & Benefits

Lower interest rates

Benefit from an even lower rate on an eligible home loan when you choose package option.

Less fees

No establishment fee, no valuation fee1 and no settlement fee.

Home Loan Manager

Be guided through the home buying journey with an experienced HSBC home loan manager.


The HSBC Home Loan Package is available on several of our best home loans

  • Standard Variable Rate home loan with a 100% offset savings account
  • Fixed Rate home loans
  • Home Equity Loan
  • Home Smart Loan

A package requires an initial lending balance of at least $150,000

For an annual fee of $390 you will receive:

Discounts on interest rates

Eligible fixed rate and variable home loans will receive a discount off the reference rate.

Less fees

  • $0 Establishment Fee
  • $0 Valuation Fee1
  • $0 Settlement Fee

Compare Package Home Loans

Standard Variable Rate

Make extra payments as often as you like and combine with an offset account to save on interest.

Fixed Rate

Looking for some certainty? Now's time to consider a Fixed Rate Home Loan. Be confident in what your repayments will be every month.

Home Smart Loan

The freedom of an equity loan plus the benefits of a variable rate principal and interest mortgage.

Home Equity Loan

A mortgage that gives you freedom to repay only interest with no fixed term.

Information & Ideas

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Fill in some basic information like income and expenses to get an approximate idea of how much you might be able to borrow.

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If you already have a rough house price, you can calculate what your monthly repayment might be.

To be eligible for HSBC Home Loan Package, you must have minimum borrowings of $150,000 and pay the annual package fee of $390. The package fee will be deducted from the loan proceeds at settlement, and charged to the package home loan on the first business day of the loan anniversary month. Excludes non-resident applications.

  1. Standard valuations only. 

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