Get a loan that's ready for any home
Get closer to your dream home with an HSBC Standard Variable Rate Home Loan. Make extra payments as often as you like, and combine with an offset account to save on interest.
- Save on interest repayments with an offset account
- Redraw additional payments for free
- Enjoy this loan's flexibility for existing properties, bridging loans or construction loans
Owner occupied interest rates
Loan to Value Ratio (LVR) 60% or less, principal and interest rate[@mortgages-standard-variable] with package[@mortgages-home-loan-package]5.64% p.a.
Comparison rate[@mortgages-comparison-warning] 6.02% p.a.
Enjoy a discount on your home loan with a Home Loan Package
Benefit from a discount on your mortgage with the HSBC Home Loan Package, and for one annual fee of $390 per annum, you'll also enjoy:
- $0 establishment fee
- $0 valuation fee (standard valuations only)
- $0 settlement fee
What you get with an HSBC Standard Variable Rate Home Loan
Standard Variable Rate Home Loan interest rates
| Rate type | Interest rate[@mortgages-standard-variable] | Comparison rate |
|---|---|---|
| Owner occupied | 5.64% p.a. |
6.02% p.a. |
Investment |
5.84% p.a. | 6.21% p.a. |
| Rate type | Owner occupied |
|---|---|
| Interest rate[@mortgages-standard-variable] |
5.64% p.a. |
| Comparison rate | 6.02% p.a. |
| Rate type |
Investment |
| Interest rate[@mortgages-standard-variable] | 5.84% p.a. |
| Comparison rate | 6.21% p.a. |
Rates are current as of 7 July 2025 and are subject to change.
Comparison rate warning applies.[@mortgages-home-loan-package]
Check all of our home loan interest rates and reference rates.
Fees
| Fee | Details |
|---|---|
| Establishment fee | $600 (or $0 with the Home Loan Package) |
| Settlement fee | $150 (or $0 with the Home Loan Package) |
| Valuation fee | Quoted on application (or $0 with the Home Loan Package for standard valuations) |
| Variation fee (if you make changes to your loan) | $300 |
| Fee | Establishment fee |
|---|---|
| Details | $600 (or $0 with the Home Loan Package) |
| Fee | Settlement fee |
| Details | $150 (or $0 with the Home Loan Package) |
| Fee | Valuation fee |
| Details | Quoted on application (or $0 with the Home Loan Package for standard valuations) |
| Fee | Variation fee (if you make changes to your loan) |
| Details | $300 |
Important documents
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If you'd like to find out more about any of our home loans, fill in our enquiry form and one of our Home Loan Managers will get in touch with you.