Why choose a Premier Home Smart Loan?

The Premier Home Smart Loan offers the freedom of an equity loan plus the control of a variable rate principal and Interest Home Loan. Any additional funds that you pay into the Premier Home Smart Loan reduces interest charges.
  • Transactional access to your home loan with fee free redraws on available funds
  • Additional funds paid into this loan reduces interest charges
  • Variable interest rate
  • Dedicated relationship manager
Promotional offer available on new borrowings from $50,000 when applying by 31 January 2020. Rate not available to non-residents. Premier Eligibility applies1.

Interest Rates

Based on an Owner Occupied Interest Rate (Principal and Interest)
2.99% p.a.*
Interest Rate
3.45% p.a.
Comparison Rate

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...

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Home Loan

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

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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.

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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 the Premier Home Smart home loan
Product Features
Details
Interest type
Variable
Maximum Loan to Value Ratio (LVR) Owner Occupied
90%2
Maximum Loan to Value Ratio (LVR) Investment
80%2
Funds available
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 Transfer your home loan to your new property if you decide to move, subject to approval.
Redraw of available funds Redraws of available funds at no extra cost.
Repayment options
Principal and Interest only.
Repayment method
Salary credited.
Repayment frequency
Monthly only.
Additional repayments
Flexibility to make additional repayments without an early repayment fee can save you interest.
Loan term
1 to 30 years.
Purpose
Available for owner occupied or investment.
Key product details for the Premier Home Smart home loan
Product Features
Interest type
Details
Variable
Product Features
Maximum Loan to Value Ratio (LVR) Owner Occupied
Details
90%2
Product Features
Maximum Loan to Value Ratio (LVR) Investment
Details
80%2
Product Features
Funds available
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
Transfer your home loan to your new property if you decide to move, subject to approval.
Product Features
Redraw of available funds
Details
Redraws of available funds at no extra cost.
Product Features
Repayment options
Details
Principal and Interest only.
Product Features
Repayment method
Details
Salary credited.
Product Features
Repayment frequency
Details
Monthly only.
Product Features
Additional repayments
Details
Flexibility to make additional repayments without an early repayment fee can save you interest.
Product Features
Loan term
Details
1 to 30 years.
Product Features
Purpose
Details
Available for owner occupied or investment.

Rates and fees

Rates for the Premier Home Smart home loan
Rate Type
Owner Occupied
Investors

Interest Rate

(Principal and Interest)

2.99% p.a.*
3.38% p.a.

Comparison Rate

(Principal and Interest)

3.45% p.a. 
3.83% p.a.
Rates for the Premier Home Smart home loan
Rate Type

Interest Rate

(Principal and Interest)

Owner Occupied
2.99% p.a.*
Investors
3.38% p.a.
Rate Type

Comparison Rate

(Principal and Interest)

Owner Occupied
3.45% p.a. 
Investors
3.83% p.a.

Rates are current as at (and subject to change): 27 January 2020 

 

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.

Fees for the Premier Home Smart home loan
Fee Type
Details
Monthly Package fee $35
Establishment fee

$300

(waived under current promotion)

Valuation fee Quoted on application
Settlement fee $150
Redraw fee $0
Variation fee $150
Fees for the Premier Home Smart home loan
Fee Type
Monthly Package fee
Details $35
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 $0
Fee Type
Variation fee
Details $150

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

Apply for a Variable Rate Home Loan

New customers

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

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The Canstar 5-Star Rating for Outstanding Value Home Lender, and Variable Home Lender in the Owner Occupied category was awarded in September 2019.

 

1 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 Service Guide (PDF, 3.8 MB).

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


This advertisement provides general advice only and doesn't take into account your objectives, financial situation or needs. Consider the Product Disclosure Statement (PDS) (PDF, 645 KB) before acquiring this product, available by calling 1300 308 008, at your local branch or Visit the HSBC Australia homepage. Credit provided by HSBC Bank Australia ABN 48 006 434 162. Australia Credit Licence 232595. Terms and conditions (PDF, 505 KB)fees and charges (PDF, 68 KB) and lending criteria apply.

 

*Excludes LVR above 80%. Variable interest rate is current as at 11 November 2019 and is subject to change. Maximum loan amount is $7,500,000. Terms, conditions, and HSBC lending criteria applies. Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162. Australian Credit Licence/AFSL 232595.