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A couple using tablet in a dining room; image used for HSBC refinancing your home page.

Refinancing your home

With our flexible home loan options, we can help you refinance your existing home loan or switch your loan from another bank to ours to ensure you achieve your financial goals.

Planning on refinancing?

Are you looking for a lower rate to reduce your monthly repayments or want to decrease the time to pay off your loan? Refinancing your home loan can help build your equity faster with a lower rate. Here are some benefits of HSBC and why you should refinance with us:

  • Get competitive rates and great features across a range of loans
  • Access to a dedicated home loan manager to guide you through the process and help you through every step of the journey
  • Find flexible options with a range of fixed and variable home loans

Home loan options


Enjoy a competitive variable rate, and loan features to give you the flexibility you need.


5.99% p.a.*

Interest rate


5.99% p.a.

Comparison rate

^ Comparison Rate Warning Applies


Owner Occupied Principal and Interest


Make extra payments and combine them with an offset account to save on interest.


6.09% p.a.*
Interest rate:


6.46% p.a.

Comparison rate:

^ Comparison Rate Warning Applies


Owner Occupied Principal and Interest. Package eligibility applies1.

Tools to help you choose

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Check out roughly how much you might be able to borrow when you refinance to HSBC.

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See how much your repayments will be when you refinance to HSBC.



Find out what refinancing your home means and how it impacts you.


Benefits of refinancing your home loan.


Steps on how to refinance a home loan.


Find out the timeline for refinancing your home loan.


How much does it cost to refinance your home loan?

Ready to get started?


Complete our online enquiry form and one of our dedicated home loan managers will contact you to discuss your options.

By phone

Call us on 1300 694 722

In branch

Find your nearest branch to speak with us in person

^ The comparison rate is based on a secured loan of $150,000 over the term of 25 years. WARNING: This comparison 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.

Interest rate is current as at 20 May 2024 and is subject to change. Maximum loan amount is $15,000,000. Available on new borrowings from $50,000.

* Excludes LVR above 60%.

1. To be eligible for HSBC Home Loan Package, you must have minimum borrowings of $150,000 and pay the annual package fee of $390. The package fee will be deducted from the loan proceeds at settlement, and charged to the package home loan on the first business day of the loan anniversary month. Excludes non-resident applications.

Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162. Australian Credit Licence/AFSL 232595. Home Loan Terms, Personal Banking Booklet, fees and charges and lending criteria apply.