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Refinancing your home

HSBC can offer you flexible options and great features on your home loan. You can even tailor a loan to suit your individual requirements.


We've made it really easy for you to refinance your home loan over to HSBC. Once you have your documents, start preparing for the five simple steps below.


1. Contact us to discuss your refinance application

Refinancing with HSBC is simple with a Personal Relationship Manager to guide you through the process.

2. Apply to Refinance Your Loan

Having discussed your needs with your account manager, submit your application to us either online or direct to a branch. Don't forget to include any supporting documentation that is required. You also need to ensure that your existing financial institution is made aware of the refinancing, so that they can provide HSBC with necessary information to effect a quick settlement.

3. Approval & Documentation

After you've submitted your application, provided it is approved we will notify you and proceed to issue a Letter of Offer. This needs to be signed and returned to us as quickly as possible to allow us to arrange the next step.

4. Arranging settlement

Once we've ensured that all supporting documentation has been received together with your signed contract, our settlement agents will organise settlement with your solicitors or conveyancers. You will receive confirmed settlement details in writing. This may take several days.

5. Draw down your loan

Once these steps are complete, it's time congratulate yourself. Welcome to HSBC.

Which loan?

We won't deny it's confusing, but we want to make choosing the right home loan as easy as possible. We can also take care of all your banking needs, including credit cards, personal loans, home & content insurance* and high interest deposit accounts. Our rates are really competitive. If you package your banking you might be eligible for a home loan discount.

View our full range of home loans here.

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* HSBC acts as agent for the insurer in making these recommendations to you. Such recommendations are made without specific reference to your circumstances or needs. Prior to making any decision to purchase an insurance product you should seek independent financial and legal advice. You should also consider fully the PDS which is available for HSBC.

Credit provided by HSBC Bank Australia ABN 48 006 434 162. Australia Credit Licence 232595. Terms, condition, fees, charges and HSBC lending criteria apply.