Features

Fixed Rate Home Loan features comparison

Features

Fixed Rate
(Owner Occupiers)

Fixed Rate
(Investors)

Premier Market Linked
(Investors)

Description

Enjoy security and peace of mind

Enjoy security and peace of mind

A loan for investors with income in a foreign currency

Purpose

Owner Occupied

Investment

Investment

Extra Repayments

On interest review date every 3 months

Redraw

On interest review date every 3 months

Maximum LVR

90%

80%

60%

Monthly fee
$0
$0
$35 (Premier fee)1

Rates and fees

Fixed Rate Home Loans rates comparison – Owner Occupied

Owner Occupied

Fixed Rate Loans

Principal and Interest
Principal and Interest
(Comparison rate)*
Interest Only

Interest Only

(Comparison Rate)*

1 Year
3.70% p.a.
5.24% p.a.
4.10% p.a.
5.27% p.a.
2 Year
3.75% p.a.
5.10% p.a.
4.15% p.a.
5.17% p.a.
3 Year
3.95% p.a.
5.02% p.a.
4.35% p.a.
5.13% p.a.
4 Year
4.15% p.a.
4.98% p.a.
-
-
5 Year
4.19% p.a.
4.92% p.a.
-
-

Rates and fees

Fixed Rate Home Loans rates comparison – Owner Occupied

Owner Occupied

Fixed Rate Loans

1 Year
Principal and Interest
3.70% p.a.
Principal and Interest
(Comparison rate)*
5.24% p.a.
Interest Only
4.10% p.a.

Interest Only

(Comparison Rate)*

5.27% p.a.

Owner Occupied

Fixed Rate Loans

2 Year
Principal and Interest
3.75% p.a.
Principal and Interest
(Comparison rate)*
5.10% p.a.
Interest Only
4.15% p.a.

Interest Only

(Comparison Rate)*

5.17% p.a.

Owner Occupied

Fixed Rate Loans

3 Year
Principal and Interest
3.95% p.a.
Principal and Interest
(Comparison rate)*
5.02% p.a.
Interest Only
4.35% p.a.

Interest Only

(Comparison Rate)*

5.13% p.a.

Owner Occupied

Fixed Rate Loans

4 Year
Principal and Interest
4.15% p.a.
Principal and Interest
(Comparison rate)*
4.98% p.a.
Interest Only
-

Interest Only

(Comparison Rate)*

-

Owner Occupied

Fixed Rate Loans

5 Year
Principal and Interest
4.19% p.a.
Principal and Interest
(Comparison rate)*
4.92% p.a.
Interest Only
-

Interest Only

(Comparison Rate)*

-

Rates are current as at: 20 May 2019

(and subject to change)

Fixed Rate Home Loans rates comparison – Investment

Investment

Fixed Rate Loans

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

Interest Only

(Comparison Rate)*

1 Year 3.89% p.a.
5.81% p.a. 4.09% p.a. 5.83% p.a.
2 Year 3.95% p.a. 5.63% p.a. 4.15% p.a. 5.67% p.a.
3 Year 4.09% p.a. 5.50% p.a. 4.29% p.a. 5.57% p.a.
4 Year 4.49% p.a. 5.50% p.a. 4.69% p.a. 5.58% p.a.
5 Year 4.59% p.a. 5.44% p.a. 4.79% p.a. 5.53% p.a.
Fixed Rate Home Loans rates comparison – Investment

Investment

Fixed Rate Loans

1 Year
Principal & Interest
3.89% p.a.
Principal & Interest
(Comparison Rate)*
5.81% p.a.
Interest Only
4.09% p.a.

Interest Only

(Comparison Rate)*

5.83% p.a.

Investment

Fixed Rate Loans

2 Year
Principal & Interest
3.95% p.a.
Principal & Interest
(Comparison Rate)*
5.63% p.a.
Interest Only
4.15% p.a.

Interest Only

(Comparison Rate)*

5.67% p.a.

Investment

Fixed Rate Loans

3 Year
Principal & Interest
4.09% p.a.
Principal & Interest
(Comparison Rate)*
5.50% p.a.
Interest Only
4.29% p.a.

Interest Only

(Comparison Rate)*

5.57% p.a.

Investment

Fixed Rate Loans

4 Year
Principal & Interest
4.49% p.a.
Principal & Interest
(Comparison Rate)*
5.50% p.a.
Interest Only
4.69% p.a.

Interest Only

(Comparison Rate)*

5.58% p.a.

Investment

Fixed Rate Loans

5 Year
Principal & Interest
4.59% p.a.
Principal & Interest
(Comparison Rate)*
5.44% p.a.
Interest Only
4.79% p.a.

Interest Only

(Comparison Rate)*

5.53% p.a.

Rates are current as at: 20 May 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.

1 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.