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Long stairs to a upper floor; image used for HSBC home value loan page.

Home Loans

Whether you're buying, investing or refinancing let HSBC help you find the right loan
Refinance to HSBC

See a world others don’t and receive $3,288 cashback** when you refinance your home loan to HSBC, discover our range of fixed or variable home loans to suit your needs.

Home Value Loan

Enjoy a great variable rate and your own personal HSBC Relationship Manager to guide you through the home loan process.
  • Unlimited free extra repayments
  • Flexibility to redraw additional payments for free
  • No ongoing monthly service fee
  • Receive $3,288 cashback** when refinancing to HSBC. Minimum refinance amount applies, see terms and conditions for full details.
*Promotional offer available on new borrowings from $50,000, apply by 30 April 2021.

Promotional Offer

2.44% p.a.*
Interest Rate
2.45% p.a.

Comparison Rate
 

^Comparison rate warning applies

Standard Variable Rate Home Loan

Make extra payments as often as you like and combine with an offset account to save on interest; a variable rate home loan that is great for both existing properties or as a construction loan.
  • 100% offset account
  • Flexibility to redraw additional payments for free
  • A Relationship Manager to guide you through the process
  • Receive $3,288 cashback** when refinancing to HSBC. Minimum refinance amount applies, see terms and conditions for full details

*Promotional offer available on new borrowings from $50,000, apply by 30 April 2021.

Package eligibility applies1.

Featured rate

2.54% p.a.*

Interest rate with

Home Loan Package

2.97% p.a.

Comparison Rate
 

^Comparison rate warning applies

2 Year Fixed Rate Loan

Looking for some certainty? Now's the time to consider a Fixed Rate Home Loan. Be confident in what your repayments will be every month.
  • Choose from one of our competitive fixed rates
  • Make up to $10,000 of extra repayments a year+
  • The option to split with one of our variable loans
  • Receive $3,288 cashback** when refinancing to HSBC. Minimum refinance amount applies, see terms and conditions for full details.
#Available on borrowings from $50,000. Package eligibility applies1.

Featured rate

1.88% p.a.#

Interest rate with

Home Loan Package

2.86% p.a.

Comparison Rate

^Comparison rate warning applies

Find all our low home loan rates in one place