Why Choose a Fixed Rate Mortgage?
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Choose from one of our competitive fixed rates
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Make up to $10,000 of extra repayments a year
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The option to split with one of our variable loans
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Receive $3,288 cashback** when refinancing to HSBC. Minimum refinance amount applies, see terms and conditions for full details.
Featured rate
Interest rate with
Home Loan Package
Comparison Rate
^Comparison rate warning applies
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Reducing your monthly repayments with a lower rate
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Decreasing the time it takes to pay off your home loan
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Building your equity faster with a lower rate
Enjoy a discount on the fixed rate with a Home Loans Package

Benefit from a discount on the fixed rate and variable revert rate with the HSBC Home Loan Package, and for one annual fee of $390 you also enjoy:
- $0 Establishment Fee
- $0 Valuation Fee2
- $0 Settlement Fee
Features & Benefits
Get the flexibility you want with the features and benefits you need.
Home Loan Package
Receive a discount on the fixed rate (owner occupied) for a fee of $390 per annum.
Peace of mind
Fix your rate so that you can plan for the future with confidence.
Additional Repayments
Make up to $10,000 a year in extra repayments3 to reduce how much interest you pay.
Relationship Manager
A helping hand to guide you through the process.
Fixed Rates Interest Rates
Principal and Interest |
Interest Rate |
Comparison Rate |
---|---|---|
2 Year Fixed Reference Rate |
2.40% p.a. |
3.09% p.a. |
2 Year Fixed Rate (with Package) |
1.88% p.a.* |
2.86% p.a. |
Principal and Interest |
2 Year Fixed Reference Rate |
---|---|
Interest Rate |
2.40% p.a. |
Comparison Rate |
3.09% p.a. |
Principal and Interest |
2 Year Fixed Rate (with Package) |
Interest Rate |
1.88% p.a.* |
Comparison Rate |
2.86% p.a. |
Principal and Interest |
Interest Rate |
Comparison Rate |
---|---|---|
2 Year Fixed Reference Rate |
2.90% p.a. |
3.43% p.a. |
2 Year Fixed Rate (with Package) |
2.29% p.a.* |
3.13% p.a. |
Principal and Interest |
2 Year Fixed Reference Rate |
---|---|
Interest Rate |
2.90% p.a. |
Comparison Rate |
3.43% p.a. |
Principal and Interest |
2 Year Fixed Rate (with Package) |
Interest Rate |
2.29% p.a.* |
Comparison Rate |
3.13% p.a. |
The rates shown are for principal and interest repayment and are current as of 1 March 2021. Rates are subject to change.
^ Comparison Rate Warning Applies
Fixed rates available on 1, 2, 3 and 5 years.
Fees
- $600 Establishment Fee ($0 with Package)
- $150 Settlement Fee ($0 with Package)
- Valuation Fee quoted on application ($0 with Package)2
- $300 variation fee for changes to your loan
- Break costs may apply3
Other fees and charges may apply. Please refer to fees and charges guide.
Apply for a Fixed Rate Home Loan
New customers
New HSBC Australia customers or existing customers who do not have online banking.
Existing customers
Existing HSBC Australia customers with online banking.
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