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]6.14% p.a.
Comparison rate[@mortgages-comparison-warning] 6.51% p.a.
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 | 6.14% p.a. |
6.51% p.a. |
Investment |
6.34% p.a. | 6.70% p.a. |
| Rate type | Owner occupied |
|---|---|
| Interest rate[@mortgages-standard-variable] |
6.14% p.a. |
| Comparison rate | 6.51% p.a. |
| Rate type |
Investment |
| Interest rate[@mortgages-standard-variable] | 6.34% p.a. |
| Comparison rate | 6.70% p.a. |
Rates are current as of 4 August 2026 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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Important information
Credit provided by HSBC Bank Australia ABN 48 006 434 162. Australian Credit Licence 232595. Home Loan Terms (PDF), Personal Banking Booklet (PDF), Fees and Charges (PDF) and lending criteria apply. See Target Market Determinations for our products.