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Compare Home Loans

Designed with flexibility and exclusive service to best suit your needs whatever house or apartment you are buying.

Features

Variable Rate Home Loans features comparison
Features Home Value Loan Standard Variable Rate Home Smart Home Equity
Description
A simpler home loan with a competitive variable rate
Complete repayment flexibility
Combine your income, savings and loan into one easy to manage accoun
A loan that gives you the freedom to create wealth

Purpose

Owner Occupied and Investment

Owner Occupied and Investment

Owner Occupied and Investment

Owner Occupied and Investment

Extra Repayments

 

 

 

 

Redraw

 

 

 

 

Maximum LVR

Owner Occupied - 90%
Investment - 80%

Owner Occupied - 90%
Investment - 80%

Owner Occupied - 90%
Investment - 80%

Owner Occupied - 80%
Investment - 80%

Rates and fees

Variable Rate Home Loans rates comparison
Rate Type

Home Value
Loan

Standard Variable Rate

Home Smart

Home Equity

Interest Rate Type

Variable

Variable

Variable

Variable

Owner Occupied Interest Rate

(Principal and Interest)

4.72% p.a.

5.33% p.a.

5.33% p.a.

Owner Occupied Comparison Rate

(Principal and Interest)

4.78% p.a.

5.39% p.a.

5.39% p.a.

Owner Occupied Interest Rate

(Interest Only)

4.72% p.a.

5.33% p.a.

5.41% p.a.

Owner Occupied Comparison Rate

(Interest Only)

4.78% p.a. 5.39% p.a.

Owner Occupied Premier Discount1 (Eligibility criteria apply)

0.75% p.a.

0.75% p.a.

0.75% p.a.

Investment Interest Rate

(Principal and Interest)

5.34% p.a.

5.95% p.a.

5.95% p.a.

Investment Comparison Rate

(Principal and Interest)

5.40% p.a.

6.02% p.a.

6.02% p.a.

Investment Interest Rate

(Interest Only)

5.64% p.a.

6.25% p.a.

6.40% p.a.

Investment Comparison Rate

(Interest Only)

5.52% p.a. 6.14% p.a.

Investment Premier Discount1 (Eligibility criteria apply)

0.75% p.a.

0.75% p.a.

0.75% p.a.

Monthly fee

$0

$0

$0

$0

Important links

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Key Facts Sheet

 

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Key Facts Sheet

 

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Key Facts Sheet

 

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Key Facts Sheet

 

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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.

Our Variable rates are subject to change. Tiered discounts apply, loan amount of AUD 500,000 - AUD 749,000 receive 0.75% discount p.a., loan amount of AUD 750,000 - AUD 1,499,000 receive 0.80% discount p.a., loan amount of AUD 1,500,000 or greater receive 0.85% discount p.a. Visit hsbc.com.au for details of the Standard Variable Rate applicable at the time of application. HSBC Premier monthly fee of $35 applies. Eligibility criteria for HSBC Premier applies and is available from our branches, by calling 1300 301 168 or hsbcpremier.com.au. Eligibility criteria remains at HSBC's absolute discretion. Terms, conditions and other restrictions apply.

Credit provided by HSBC Bank Australia ABN 48 006 434 162. Australia Credit Licence 232595. Terms, conditions (PDF, 505 KB), fees, charges (PDF, 68 KB) and lending criteria apply.