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 – Owner Occupied
Owner Occupied
Principal & Interest
Principal & Interest
Comparison rate*
Interest Only

Interest Only

Comparison rate*

Home Value 4.30% p.a. 4.36% p.a. 4.30% p.a. 4.36% p.a.
Variable Rate 4.91% p.a. 4.97% p.a. 4.91% p.a. 4.97% p.a.
Home Smart 4.91% p.a.
4.97% p.a.

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Rates and fees

Variable Rate Home Loans rates comparison – Owner Occupied
Owner Occupied
Home Value
Principal & Interest
4.30% p.a.
Principal & Interest
Comparison rate*
4.36% p.a.
Interest Only
4.30% p.a.

Interest Only

Comparison rate*

4.36% p.a.
Owner Occupied
Variable Rate
Principal & Interest
4.91% p.a.
Principal & Interest
Comparison rate*
4.97% p.a.
Interest Only
4.91% p.a.

Interest Only

Comparison rate*

4.97% p.a.
Owner Occupied
Home Smart
Principal & Interest
4.91% p.a.
Principal & Interest
Comparison rate*
4.97% p.a.
Interest Only

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Interest Only

Comparison rate*

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Rates are current as at: 22 July 2019

(and subject to change)

Variable Rate Home Loans rates comparison – Investment
Investment Principal & Interest Principal & Interest
Comparison rate*
Interest Only  Variable Interest Only 
Comparison Rate*
Home Value 4.92% p.a. 4.98% p.a. 5.22% p.a. 5.10% p.a.
Variable Rate 5.53% p.a. 5.60% p.a. 5.83% p.a. 5.71% p.a.
Home Smart 5.53% p.a.
5.60% p.a.

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Variable Rate Home Loans rates comparison – Investment
Investment Home Value
Principal & Interest 4.92% p.a.
Principal & Interest
Comparison rate*
4.98% p.a.
Interest Only  5.22% p.a.
Variable Interest Only 
Comparison Rate*
5.10% p.a.
Investment Variable Rate
Principal & Interest 5.53% p.a.
Principal & Interest
Comparison rate*
5.60% p.a.
Interest Only  5.83% p.a.
Variable Interest Only 
Comparison Rate*
5.71% p.a.
Investment Home Smart
Principal & Interest 5.53% p.a.
Principal & Interest
Comparison rate*
5.60% p.a.
Interest Only 

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Variable Interest Only 
Comparison Rate*
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Rates are current as at: 22 July 2019

(and subject to change)

* The comparison rate is based on a secured loan of $150,000 over the term of 25 years. WARNING: This comparsion 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 hsbc.com.au/premier. 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.