Why choose a Premier Fixed Rate Loan?

A Premier Fixed Rate Home Loan allows you to lock-in an interest rate over a predetermined term, protecting you from rising interest rates. This allows you the comfort to budget for your home loan by knowing the repayments will not change for a fixed term.
  • Flexibility to make additional repayments up to $10,000 a year without incurring early repayment charges
  • Ability to split your home loan between Fixed and Variable
  • Dedicated Relationship Manager
  • Includes a HSBC Premier Master Card with HSBC rewards and no annual credit card fee giving you the freedom to earn points while your savings offset the interest in your Home Loan
Premier eligibility applies3

Interest Rates

Based on a 3 year Premier fixed Owner Occupied Interest Rate (Principal and Interest)
2.75% p.a.
Interest Rate
3.39% p.a.
Comparison Rate

Excludes LVR above 80%

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.

How it works

For a monthly package fee of $35, you get...

Home Loan

Choose a complete fixed or variable loan, or split between them.

Credit Card

No annual fee and your choice of reward programs to redeem on a range of shopping, travel, merchandise rewards or transfer points to leading airline reward programs including Asia Miles and Singapore Airlines' KrisFlyer.

Relationship Manager

You get a dedicated Relationship Manager that can assist you with all your Home Loan enquiries and can help manage your account to ensure you are always receiving the best rate and service.

Key product details

Key product details for fixed rate home loan
Product Features
Details
Interest type
Fixed (1-5 years)
Maximum Loan to Value Ratio (LVR) Owner Occupied
90%1
Maximum Loan to Value Ratio (LVR) Investment
80%1
Loan amount
Apply for $50,000 to $7,500,000, subject to approval.
Combine
Combine this loan with one of our other competitive home loan products.
Portable
Apply to transfer your home loan to your new property if you decide to move, subject to approval.
Redraw of available funds
No.
Repayment options
Principal and Interest or Interest Only2
Repayment method
Direct Debit Request (DDR) - external or internal deposit account.
Repayment frequency
Schedule your repayments to match the timing of your income. Choose weekly, fortnightly or monthly repayments.
Additional repayments
Make additional payments of up to $10,000 in any 12 month period. Break costs (PDF, 27KB) may apply after that.
Loan term
1 to 30 years.
Purpose
Available for owner occupied or investment.
Key product details for fixed rate home loan
Product Features
Interest type
Details
Fixed (1-5 years)
Product Features
Maximum Loan to Value Ratio (LVR) Owner Occupied
Details
90%1
Product Features
Maximum Loan to Value Ratio (LVR) Investment
Details
80%1
Product Features
Loan amount
Details
Apply for $50,000 to $7,500,000, subject to approval.
Product Features
Combine
Details
Combine this loan with one of our other competitive home loan products.
Product Features
Portable
Details
Apply to transfer your home loan to your new property if you decide to move, subject to approval.
Product Features
Redraw of available funds
Details
No.
Product Features
Repayment options
Details
Principal and Interest or Interest Only2
Product Features
Repayment method
Details
Direct Debit Request (DDR) - external or internal deposit account.
Product Features
Repayment frequency
Details
Schedule your repayments to match the timing of your income. Choose weekly, fortnightly or monthly repayments.
Product Features
Additional repayments
Details
Make additional payments of up to $10,000 in any 12 month period. Break costs (PDF, 27KB) may apply after that.
Product Features
Loan term
Details
1 to 30 years.
Product Features
Purpose
Details
Available for owner occupied or investment.

Rates and fees

Premier Fixed Rate Home Loans rates comparison – Owner Occupied
Owner Occupied
Premier Fixed Rate Loans
Principal and Interest
Principal and Interest
(Comparison rate)*
Interest Only

Interest Only

(Comparison Rate)*

1 Year
2.75% p.a. (LVR 80% or below)
3.19% p.a. (LVR above 80%)
3.43% p.a. (LVR 80% or below)
3.47% p.a. (LVR above 80%)
3.14% p.a. (LVR 80% or below)
3.49% p.a. (LVR above 80%)
3.52% p.a. (LVR 80% or below)
3.55% p.a. (LVR above 80%)
2 Year
2.75% p.a. (LVR 80% or below)
3.29% p.a. (LVR above 80%)
3.41% p.a. (LVR 80% or below)
3.50% p.a. (LVR above 80%)
3.14% p.a. (LVR 80% or below)
3.59% p.a. (LVR above 80%)
3.52% p.a. (LVR 80% or below)
3.59% p.a. (LVR above 80%)
3 Year
2.75% p.a. (LVR 80% or below)
2.99% p.a. (LVR above 80%)
3.39% p.a. (LVR 80% or below)
3.45% p.a. (LVR above 80%)
3.14% p.a. (LVR 80% or below)
3.69% p.a. (LVR above 80%)
3.51% p.a. (LVR 80% or below)
3.65% p.a. (LVR above 80%)
4 Year
2.85% p.a. (LVR 80% or below)
3.44% p.a. (LVR above 80%)
3.40% p.a. (LVR 80% or below)
3.60% p.a. (LVR above 80%)
- -
5 Year
2.85% p.a. (LVR 80% or below)
3.49% p.a. (LVR above 80%)
3.40% p.a. (LVR 80% or below)
3.65% p.a. (LVR above 80%)
- -
Premier Fixed Rate Home Loans rates comparison – Owner Occupied
Owner Occupied
Premier Fixed Rate Loans
1 Year
Principal and Interest
2.75% p.a. (LVR 80% or below)
3.19% p.a. (LVR above 80%)
Principal and Interest
(Comparison rate)*
3.43% p.a. (LVR 80% or below)
3.47% p.a. (LVR above 80%)
Interest Only
3.14% p.a. (LVR 80% or below)
3.49% p.a. (LVR above 80%)

Interest Only

(Comparison Rate)*

3.52% p.a. (LVR 80% or below)
3.55% p.a. (LVR above 80%)
Owner Occupied
Premier Fixed Rate Loans
2 Year
Principal and Interest
2.75% p.a. (LVR 80% or below)
3.29% p.a. (LVR above 80%)
Principal and Interest
(Comparison rate)*
3.41% p.a. (LVR 80% or below)
3.50% p.a. (LVR above 80%)
Interest Only
3.14% p.a. (LVR 80% or below)
3.59% p.a. (LVR above 80%)

Interest Only

(Comparison Rate)*

3.52% p.a. (LVR 80% or below)
3.59% p.a. (LVR above 80%)
Owner Occupied
Premier Fixed Rate Loans
3 Year
Principal and Interest
2.75% p.a. (LVR 80% or below)
2.99% p.a. (LVR above 80%)
Principal and Interest
(Comparison rate)*
3.39% p.a. (LVR 80% or below)
3.45% p.a. (LVR above 80%)
Interest Only
3.14% p.a. (LVR 80% or below)
3.69% p.a. (LVR above 80%)

Interest Only

(Comparison Rate)*

3.51% p.a. (LVR 80% or below)
3.65% p.a. (LVR above 80%)
Owner Occupied
Premier Fixed Rate Loans
4 Year
Principal and Interest
2.85% p.a. (LVR 80% or below)
3.44% p.a. (LVR above 80%)
Principal and Interest
(Comparison rate)*
3.40% p.a. (LVR 80% or below)
3.60% p.a. (LVR above 80%)
Interest Only
-

Interest Only

(Comparison Rate)*

-
Owner Occupied
Premier Fixed Rate Loans
5 Year
Principal and Interest
2.85% p.a. (LVR 80% or below)
3.49% p.a. (LVR above 80%)
Principal and Interest
(Comparison rate)*
3.40% p.a. (LVR 80% or below)
3.65% p.a. (LVR above 80%)
Interest Only
-

Interest Only

(Comparison Rate)*

-

Rates are current as at: 11 November 2019

(and subject to change)

Premier Fixed Rate Home Loans rates comparison – Investment

Investment

Premier Fixed Rate Loans

Principal & Interest
Principal & Interest
(Comparison Rate)*
Interest Only

Interest Only

(Comparison Rate)*

1 Year 3.19% p.a. (LVR 80% or below)
3.81% p.a. (LVR 80% or below)
3.39% p.a. (LVR 80% or below)
3.82% p.a. (LVR 80% or below)
2 Year 3.19% p.a. (LVR 80% or below)
3.80% p.a. (LVR 80% or below)
3.39% p.a. (LVR 80% or below)
3.81% p.a. (LVR 80% or below)
3 Year 3.19% p.a. (LVR 80% or below)
3.78% p.a. (LVR 80% or below)
3.39% p.a. (LVR 80% or below)
3.80% p.a. (LVR 80% or below)
4 Year 3.29% p.a. (LVR 80% or below)
3.80% p.a. (LVR 80% or below)
3.49% p.a. (LVR 80% or below)
3.82% p.a. (LVR 80% or below) 
5 Year 3.29% p.a. (LVR 80% or below)
3.79% p.a. (LVR 80% or below)
3.49% p.a. (LVR 80% or below)
3.82% p.a. (LVR 80% or below)
Premier Fixed Rate Home Loans rates comparison – Investment

Investment

Premier Fixed Rate Loans

1 Year
Principal & Interest
3.19% p.a. (LVR 80% or below)
Principal & Interest
(Comparison Rate)*
3.81% p.a. (LVR 80% or below)
Interest Only
3.39% p.a. (LVR 80% or below)

Interest Only

(Comparison Rate)*

3.82% p.a. (LVR 80% or below)

Investment

Premier Fixed Rate Loans

2 Year
Principal & Interest
3.19% p.a. (LVR 80% or below)
Principal & Interest
(Comparison Rate)*
3.80% p.a. (LVR 80% or below)
Interest Only
3.39% p.a. (LVR 80% or below)

Interest Only

(Comparison Rate)*

3.81% p.a. (LVR 80% or below)

Investment

Premier Fixed Rate Loans

3 Year
Principal & Interest
3.19% p.a. (LVR 80% or below)
Principal & Interest
(Comparison Rate)*
3.78% p.a. (LVR 80% or below)
Interest Only
3.39% p.a. (LVR 80% or below)

Interest Only

(Comparison Rate)*

3.80% p.a. (LVR 80% or below)

Investment

Premier Fixed Rate Loans

4 Year
Principal & Interest
3.29% p.a. (LVR 80% or below)
Principal & Interest
(Comparison Rate)*
3.80% p.a. (LVR 80% or below)
Interest Only
3.49% p.a. (LVR 80% or below)

Interest Only

(Comparison Rate)*

3.82% p.a. (LVR 80% or below) 

Investment

Premier Fixed Rate Loans

5 Year
Principal & Interest
3.29% p.a. (LVR 80% or below)
Principal & Interest
(Comparison Rate)*
3.79% p.a. (LVR 80% or below)
Interest Only
3.49% p.a. (LVR 80% or below)

Interest Only

(Comparison Rate)*

3.82% p.a. (LVR 80% or below)

* 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.

Interest Only Rates are available on HSBC's Interest Rate page. Terms, conditions and restrictions apply.

Fees

Fees for Premier fixed rate home loan
Fee Type
Details
Monthly Package fee

$35

(Other fees and charges may apply)

Establishment fee

$300

(waived under current promotion)

Valuation fee
Quoted on application
Settlement fee
$150
Redraw fee
Redraw is not available on this loan.
Variation fee
$150
Early repayment fee
Break costs may apply
Fees for Premier fixed rate home loan
Fee Type
Monthly Package fee
Details

$35

(Other fees and charges may apply)

Fee Type
Establishment fee
Details

$300

(waived under current promotion)

Fee Type
Valuation fee
Details
Quoted on application
Fee Type
Settlement fee
Details
$150
Fee Type
Redraw fee
Details
Redraw is not available on this loan.
Fee Type
Variation fee
Details
$150
Fee Type
Early repayment fee
Details
Break costs may apply

Other fees and charges may apply. Please refer to fees and charges guide (PDF, 68 KB).

Apply for a Premier Fixed Rate Home Loan

New customers

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

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Information to help you make your first big investment into property.

1 Loan to Value Ratio (LVR) subject to HSBC's assessment, lending criteria and Lender's Mortgage Insurance (LMI) acceptance.

2 Maximum interest only terms available are 3 Years - Owner Occupied and 5 Years - Investment.

3 HSBC Premier eligibility applies if you have: a minimum of $500,000 in loans; or a minimum of $200,000 in savings and investments; or a combination of loans, savings and investments totalling a minimum of $500,000 with HSBC Bank Australia Limited, as set out in the HSBC Premier Personal Economy brochure (PDF, 3.58 MB).

Credit provided by HSBC Bank Australia ABN 48 006 434 162. Australia Credit Licence 232595. Terms, conditions (PDF, 505KB)

Fees, charges (PDF, 68 KB)  and lending criteria apply.