Top of main content
Aerial view of a street; image used for HSBC home value loan page.

Home Value Loan

A home loan rate that’ll get the neighbourhood talking.

Why choose a Home Value Loan?

Enjoy a competitive 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 

  • Establishment fee waived for Promotional Offer
  • Receive $3,288 cashback** when refinancing to HSBC. Min. refinance amount applies, see terms and conditions for full details.
Promotional offer available on new borrowings from $50,000, rate available from 1 February 2021 and apply by 30 April 2021.

Promotional Offer

Based on an Owner Occupied Interest Rate (Principal and Interest).
2.44% p.a.*
Interest Rate
2.45% p.a.

Comparison Rate
 

^Comparison rate warning applies

Promotional interest rate

Principal and Interest
Deposit amount
 Interest rate
 Comparison rate
20% or more
 2.44% p.a.*
 2.45% p.a.
Less than 20%
 2.54% p.a.*
 2.55% p.a.
Principal and Interest
Deposit amount
 20% or more
Interest rate
 2.44% p.a.*
Comparison rate
 2.45% p.a.
Deposit amount
 Less than 20%
Interest rate
 2.54% p.a.*
Comparison rate
 2.55% p.a.
Interest Only
Deposit amount
 Interest rate
 Comparison rate
20% or more
 2.98% p.a.
 2.99% p.a.
Less than 20%
 3.13% p.a.
 3.14% p.a.
Interest Only
Deposit amount
 20% or more
Interest rate
 2.98% p.a.
Comparison rate
 2.99% p.a.
Deposit amount
 Less than 20%
Interest rate
 3.13% p.a.
Comparison rate
 3.14% p.a.

Owner Occupied 

Investment 

Promotional offer available on new borrowings from $50,000, rate available from 1 February 2021 and apply by 30 April 2021.

Key product details

Key product details for the Home Value home loan
Product Features
 Details
Interest type
 Variable
Maximum Loan to Value Ratio (LVR) Owner Occupied
 90%1
Maximum Loan to Value Ratio (LVR) Investment
 90%1
Loan amount
 Apply for ‘$50,000 to $15,000,000, subject to approval.
Combine
 Combine it with one of our other competitive home loan products.
Portable
 Transfer your home loan to a new property if you decide to move, subject to approval.
Redraw of available funds
 Unlimited free redraw
Repayment options
 Principal and Interest or Interest Only2 .
Repayment method
 Direct Debit Request (DDR)-external or internal deposit account3.
Payment frequency
 Schedule your repayments to match the timing of your income. Choose from weekly, fortnightly or monthly repayments.
Additional repayments
 The flexibility to make additional repayments without an early repayment fee could save you interest.
Loan term
 1 to 30 years.
Purpose
 Available for owner-occupied or investment.
Key product details for the Home Value home loan
Product Features
Interest type
Details
Variable
Product Features
Maximum Loan to Value Ratio (LVR) Owner Occupied
Details
90%1
Product Features
Maximum Loan to Value Ratio (LVR) Investment
Details
90%1
Product Features
Loan amount
Details
Apply for ‘$50,000 to $15,000,000, subject to approval.
Product Features
Combine
Details
Combine it with one of our other competitive home loan products.
Product Features
Portable
Details
Transfer your home loan to a new property if you decide to move, subject to approval.
Product Features
Redraw of available funds
Details
Unlimited free redraw
Product Features
Repayment options
Details
Principal and Interest or Interest Only2 .
Product Features
Repayment method
Details
Direct Debit Request (DDR)-external or internal deposit account3.
Product Features
Payment frequency
Details
Schedule your repayments to match the timing of your income. Choose from weekly, fortnightly or monthly repayments.
Product Features
Additional repayments
Details
The flexibility to make additional repayments without an early repayment fee could save you interest.
Product Features
Loan term
Details
1 to 30 years.
Product Features
Purpose
Details
Available for owner-occupied or investment.

Reference rates

Reference rates 

Fees and charges

Fees and charges 

Other fees and charges may apply. Please refer to fees and charges guide.

Apply for a Home Value Home Loan

New customers

New HSBC Australia customers or existing customer who do not have online banking

You might be interested in

A couple selecting home finishes in their new home; image used for HSBC compare home loans page.

Compare Home Loans

 

Compare our range of HSBC Home Loans.

A calculator; image used for HSBC home loan calculators page.

Home Loan Calculators

 

Find the facts and figures you need to help make decisions.

A woman looking at plans; image used for HSBC guide to buying a property page.

Guide to buying a property

 

Information to help you through the process of buying your home.

A man pouring coffee at home; image used for HSBC investing in property page.

Investing in property

 

Information to help you make your first big investment into property.

Terms & Conditions 

The Canstar 5-Star Rating for Outstanding Value Home Lender, and Variable Home Lender in the Owner Occupied category was awarded in March 2020.

^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.

*Excludes LVR above 80%. Variable interest rate is current as at 1 February 2021 and is subject to change. Maximum loan amount is $15,000,000. Credit provided by HSBC Bank Australia ABN 48 006 434 162. Australian Credit Licence 232595. Home Loan Terms (PDF, 1.2 MB) and Personal Banking Booklet (PDF,1.5 MB) , fees and charges (PDF, 538 KB) and lending criteria apply.

** $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 30 April 2021 and settled by 30 June 2021 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 15 February 2021 and subject to change. Credit criteria, fees and charges apply. 

1 Maximum interest only terms available are 3 Years - Owner Occupied and 5 Years – Investment.

2 Loan to Value Ratio (LVR) subject to HSBC's assessment, lending criteria and Lender's Mortgage Insurance (LMI) acceptance.

© Copyright 2021. HSBC Bank Australia Limited ABN 48 006 434 162 AFSL/Australian Credit Licence 232595 All rights reserved.