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A woman passing a dish of grapes to a smiling girl at dining table; 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

Home Value Loan

Enjoy a great variable rate and your own personal HSBC Relationship Manager to guide you through the home loan process.
  • A Relationship Manager to guide you through the application process
  • Unlimited free extra repayments
  • Flexibility to redraw additional payments for free
  • No ongoing monthly service fee

Promotional Offer

2.59% p.a.*
Interest Rate
2.60% p.a.

Comparison Rate
 

^Comparison rate warning applies

Premier Variable Rate Loan

Make extra payments as often as you like with our Premier Variable Rate home loan. It’s also available as a construction loan.
  • 100% offset account to save on interest repayments
  • A dedicated Relationship Manager
  • Includes a HSBC Premier Mastercard with HSBC rewards and no annual credit card fee giving you the freedom to earn points while your savings offset the interest in your home loan
  • Unlimited free redraws on additional repayments

Promotional offer

2.69% p.a.*
Interest Rate
3.15% p.a.

Comparison Rate
 

^Comparison rate warning applies

2 Year Fixed Rate Loan

Looking for some certainty? Be confident in what your repayments will be every month. Plus, enjoy the benefits of:
  • A Relationship Manager to guide you through the application process
  • The security of a fixed rate for 2 years
  • The ability to make $10,000 extra repayments per year+
  • No ongoing monthly service fees or annual fees
  • The option to split with one of our variable home loans

2 Year Fixed Rate Loan

2.09% p.a.#
Interest Rate
2.98%.p.a.

Comparison Rate
 

^Comparison rate warning applies

Terms & Conditions

^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. 

*Available on borrowings from $50,000 when applying by 30 November 2020. Variable interest rate is current as at 1 September 2020 and is subject to change.

#Available on new borrowings from $50,000 when applying by 30 November 2020. Fixed interest rate is current as at 21 September 2020 and is subject to change. Reverts to HSBC's Standard Variable Rate.

HSBC Premier eligibility applies if you have: a minimum of $500,000 in loans; or a minimum of $200,000 in savings and investments; or a combination of loans, savings and investments totalling a minimum of $500,000 with HSBC Bank Australia Limited, as set out in the HSBC Premier Service Guide.

  1. Loan to Value Ratio (LVR) subject to HSBC's assessment, lending criteria and Lender's Mortgage Insurance (LMI) acceptance. Different rates and fees apply for LVR's above 80%. Refer to fixed home loans for all fixed rates.

+Fixed break costs may apply if repayments are greater than $10,000 per year or if the fixed contract is broken before the end of the fixed loan term.

Maximum loan amount is $15,000,000. Home Loan and personal banking terms, fees, charges and lending criteria apply.

Credit provided by HSBC Bank Australia ABN 48 006 434 162. Australian Credit Licence/AFSL 232595.