Features

Fixed Rate Home Loan features comparison

Features

Fixed Rate
(Owner Occupiers)

Fixed Rate
(Investors)

Description

Enjoy security and peace of mind

Enjoy security and peace of mind

Purpose

Owner Occupied

Investment

Extra Repayments

Redraw

Maximum LVR

90%

80%

Monthly fee
$0
$0

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
2.75% p.a. (LVR 80% or below)
3.19% p.a. (LVR above 80%)
3.37% p.a. (LVR 80% or below)
3.41% p.a. (LVR above 80%)
3.14% p.a. (LVR 80% or below)
3.49% p.a. (LVR above 80%)
3.40% p.a. (LVR 80% or below)
3.43% p.a. (LVR above 80%)
2 Year
2.75% p.a. (LVR 80% or below)
3.29% p.a. (LVR above 80%)
3.31% p.a. (LVR 80% or below)
3.41% p.a. (LVR above 80%)
3.14% p.a. (LVR 80% or below)
3.59% p.a. (LVR above 80%)
3.38% p.a. (LVR 80% or below)
3.46% p.a. (LVR above 80%)
3 Year
2.85% p.a. (LVR 80% or below)
3.09% p.a. (LVR above 80%)
3.29% p.a. (LVR 80% or below)
3.35% p.a. (LVR above 80%)
3.24% p.a. (LVR 80% or below)
3.79% p.a. (LVR above 80%)
3.38% p.a. (LVR 80% or below)
3.52% p.a. (LVR above 80%)
4 Year
2.95% p.a. (LVR 80% or below)
3.54% p.a. (LVR above 80%)
3.28% p.a. (LVR 80% or below)
3.47% p.a. (LVR above 80%)
-
-
5 Year
2.95% p.a. (LVR 80% or below)
3.59% p.a. (LVR above 80%)
3.24% p.a. (LVR 80% or below)
3.50% p.a. (LVR above 80%)
-
-

Rates and fees

Fixed Rate Home Loans rates comparison – Owner Occupied

Owner Occupied

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)*
3.37% p.a. (LVR 80% or below)
3.41% 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)*

3.40% p.a. (LVR 80% or below)
3.43% p.a. (LVR above 80%)

Owner Occupied

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)*
3.31% p.a. (LVR 80% or below)
3.41% 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)*

3.38% p.a. (LVR 80% or below)
3.46% p.a. (LVR above 80%)

Owner Occupied

Fixed Rate Loans

3 Year
Principal and Interest
2.85% p.a. (LVR 80% or below)
3.09% p.a. (LVR above 80%)
Principal and Interest
(Comparison rate)*
3.29% p.a. (LVR 80% or below)
3.35% p.a. (LVR above 80%)
Interest Only
3.24% p.a. (LVR 80% or below)
3.79% p.a. (LVR above 80%)

Interest Only

(Comparison Rate)*

3.38% p.a. (LVR 80% or below)
3.52% p.a. (LVR above 80%)

Owner Occupied

Fixed Rate Loans

4 Year
Principal and Interest
2.95% p.a. (LVR 80% or below)
3.54% p.a. (LVR above 80%)
Principal and Interest
(Comparison rate)*
3.28% p.a. (LVR 80% or below)
3.47% p.a. (LVR above 80%)
Interest Only
-

Interest Only

(Comparison Rate)*

-

Owner Occupied

Fixed Rate Loans

5 Year
Principal and Interest
2.95% p.a. (LVR 80% or below)
3.59% p.a. (LVR above 80%)
Principal and Interest
(Comparison rate)*
3.24% p.a. (LVR 80% or below)
3.50% p.a. (LVR above 80%)
Interest Only
-

Interest Only

(Comparison Rate)*

-

Rates are current as at: 11 November 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 3.19% p.a. (LVR 80% or below)
3.69% p.a. (LVR 80% or below)
3.39% p.a. (LVR 80% or below)
3.71% p.a. (LVR 80% or below)
2 Year 3.19% p.a. (LVR 80% or below)
3.64% p.a. (LVR 80% or below)
3.39% p.a. (LVR 80% or below)
3.68% p.a. (LVR 80% or below)
3 Year 3.29% p.a. (LVR 80% or below)
3.63% p.a. (LVR 80% or below)
3.49% p.a. (LVR 80% or below)
3.68% p.a. (LVR 80% or below)
4 Year 3.39% p.a. (LVR 80% or below)
3.63% p.a. (LVR 80% or below)
3.59% p.a. (LVR 80% or below)
3.69% p.a. (LVR 80% or below)
5 Year 3.39% p.a. (LVR 80% or below)
3.60% p.a. (LVR 80% or below)
3.59% p.a. (LVR 80% or below)
3.69% p.a. (LVR 80% or below)
Fixed Rate Home Loans rates comparison – Investment

Investment

Fixed Rate Loans

1 Year
Principal & Interest
3.19% p.a. (LVR 80% or below)
Principal & Interest
(Comparison Rate)*
3.69% p.a. (LVR 80% or below)
Interest Only
3.39% p.a. (LVR 80% or below)

Interest Only

(Comparison Rate)*

3.71% p.a. (LVR 80% or below)

Investment

Fixed Rate Loans

2 Year
Principal & Interest
3.19% p.a. (LVR 80% or below)
Principal & Interest
(Comparison Rate)*
3.64% p.a. (LVR 80% or below)
Interest Only
3.39% p.a. (LVR 80% or below)

Interest Only

(Comparison Rate)*

3.68% p.a. (LVR 80% or below)

Investment

Fixed Rate Loans

3 Year
Principal & Interest
3.29% p.a. (LVR 80% or below)
Principal & Interest
(Comparison Rate)*
3.63% p.a. (LVR 80% or below)
Interest Only
3.49% p.a. (LVR 80% or below)

Interest Only

(Comparison Rate)*

3.68% p.a. (LVR 80% or below)

Investment

Fixed Rate Loans

4 Year
Principal & Interest
3.39% p.a. (LVR 80% or below)
Principal & Interest
(Comparison Rate)*
3.63% p.a. (LVR 80% or below)
Interest Only
3.59% p.a. (LVR 80% or below)

Interest Only

(Comparison Rate)*

3.69% p.a. (LVR 80% or below)

Investment

Fixed Rate Loans

5 Year
Principal & Interest
3.39% p.a. (LVR 80% or below)
Principal & Interest
(Comparison Rate)*
3.60% p.a. (LVR 80% or below)
Interest Only
3.59% p.a. (LVR 80% or below)

Interest Only

(Comparison Rate)*

3.69% p.a. (LVR 80% or below)

Rates are current as at: 11 November 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 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.