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A garage modified to be an office; image used for HSBC Australia Premier 2 Year Fixed Rate Home Loan.

Fixed Rate Home Loan

Be assured with the world you see with a 1.88% p.a.* rate.

Why Choose a Fixed Rate Mortgage?

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

2 year fixed rate for owner occupied with principal and interest repayments

1.88% p.a.*

Interest rate with

Home Loan Package

2.87% p.a.

Comparison Rate

^Comparison rate warning applies

Refinancing your home loan?

When you see a world that others don’t, you see unique opportunities. Right now, refinance your current home loan to HSBC with a minimum of $250k and receive $3,288 cashback** and you can benefit by: 

  • Reducing your monthly repayments with a lower rate

  • Decreasing the time it takes to pay off your home loan

  • Building your equity faster with a lower rate

Available on refinance applications submitted to HSBC from 15 February 2021 to 31 December 2021 and settle by 28 February 2022. See terms and conditions for full details.

Enjoy a discount on the fixed rate with a Home Loans Package

An indoor tent, a sofa and some boxes.

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 for owner occupied

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.*

 2.87% p.a.

Principal and Interest for owner occupied

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
 2.87% p.a.

Principal and Interest for investments

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.*
 3.14% p.a.

Principal and Interest for investments

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
 3.14% p.a.

The rates shown are for principal and interest repayment and are current as of 11 October 2021. Rates are subject to change.

^ Comparison Rate Warning Applies

Fixed rates available on 1, 2, 3 and 5 years.

See all home loan fixed interest rates

See all home loan reference rates

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.

Apply by phone or branch 

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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. Package eligibility applies. Excludes LVR (Loan to Value ratio) above 80%. Interest rate is current as at 11 October 2021 and is subject to change. Reverts to HSBC’s Standard Variable Rate. Maximum loan amount is $15,000,000.

** $3,288 cashback offer: To be eligible for the $3,288 refinance cashback, you must submit your new home loan applications for full approval between 15 February 2021 and 31 December 2021 and settled by 28 February 2022 and have refinanced from a financial institution other than HSBC Bank Australia. The offer is only available once per customer within this period. Maximum cashback amount of $3,288. Limit of one $3,288 cashback payment per borrowing entity and per customer. Where a home loan has more than one applicant and one applicant receives the cashback, all applicants are deemed to have received the cashback. Minimum refinance amount of $250,000 applies. Offer excludes construction loans, bridging loans and principal increases, non-residents and non-natural persons (such as trusts and companies). Cashback will be credited into your HSBC Transaction or Home Loan account within 60 days of settlement. Tax consequences may arise from this promotion for investors and you should seek independent financial or legal advice. Offer current as at 1 October 2021 and subject to change. Credit criteria, fees and charges apply.

  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.
  2. Standard valuations only.
  3. 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.

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