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Compare Variable Rate Home Loans

Designed with flexibility and exclusive service to best suit your needs whatever house or apartment you are buying.
A couple selecting home finishes in their new home; image used for HSBC Compare Variable Rate Home Loans page.

Features

Variable Rate Home Loans features comparison
Features Home Value Loan Standard Variable Rate Home Smart Home Equity
Description
A simpler home loan with a competitive variable rate
Complete repayment flexibility
Combine your income, savings and loan into one easy to manage account
A loan that gives you the freedom to create wealth

Purpose

Owner Occupied and Investment

Owner Occupied and Investment

Owner Occupied and Investment

Owner Occupied and Investment

Extra Repayments

 

 

 

 

Redraw

 

 

 

 

Maximum LVR

Owner Occupied - 90%
Investment - 80%

Owner Occupied - 90%
Investment - 80%

Owner Occupied - 90%
Investment - 80%

Owner Occupied - 80%
Investment - 80%

Rates and fees

Variable Rate Home Loans rates comparison – Owner Occupied
Owner Occupied
Principal & Interest
Principal & Interest
Comparison rate*
Interest Only

Interest Only

Comparison rate*

Home Value 3.90% p.a. (LVR 80% or below)
3.99% p.a.  (LVR above 80%)
3.96% p.a. (LVR 80% or below)
3.96% p.a. (LVR above 80%)
3.90% p.a. (LVR 80% or below)
3.90% p.a. (LVR above 80%)
3.96% p.a. (LVR 80% or below)
3.96% p.a.  (LVR above 80%)
Variable Rate 4.51% p.a. (LVR 80% or below)
4.51% p.a. (LVR above 80%)
4.57% p.a. (LVR 80% or below)
4.57% p.a. (LVR above 80%)
4.51% p.a. (LVR 80% or below)
4.51% p.a. (LVR above 80%)
4.57% p.a. (LVR 80% or below)
4.57% p.a.  (LVR above 80%)
Home Smart 4.51% p.a. (LVR 80% or below)
4.51% p.a. (LVR above 80%)
4.57% p.a. (LVR 80% or below)
4.57% p.a. (LVR above 80%)

-

-

Rates and fees

Variable Rate Home Loans rates comparison – Owner Occupied
Owner Occupied
Home Value
Principal & Interest
3.90% p.a. (LVR 80% or below)
3.99% p.a.  (LVR above 80%)
Principal & Interest
Comparison rate*
3.96% p.a. (LVR 80% or below)
3.96% p.a. (LVR above 80%)
Interest Only
3.90% p.a. (LVR 80% or below)
3.90% p.a. (LVR above 80%)

Interest Only

Comparison rate*

3.96% p.a. (LVR 80% or below)
3.96% p.a.  (LVR above 80%)
Owner Occupied
Variable Rate
Principal & Interest
4.51% p.a. (LVR 80% or below)
4.51% p.a. (LVR above 80%)
Principal & Interest
Comparison rate*
4.57% p.a. (LVR 80% or below)
4.57% p.a. (LVR above 80%)
Interest Only
4.51% p.a. (LVR 80% or below)
4.51% p.a. (LVR above 80%)

Interest Only

Comparison rate*

4.57% p.a. (LVR 80% or below)
4.57% p.a.  (LVR above 80%)
Owner Occupied
Home Smart
Principal & Interest
4.51% p.a. (LVR 80% or below)
4.51% p.a. (LVR above 80%)
Principal & Interest
Comparison rate*
4.57% p.a. (LVR 80% or below)
4.57% p.a. (LVR above 80%)
Interest Only

-

Interest Only

Comparison rate*

-

Rates are current as at: 21 September 2020

(and subject to change)

Variable Rate Home Loans rates comparison – Investment
Investment Principal & Interest Principal & Interest
Comparison rate*
Interest Only  Variable Interest Only 
Comparison Rate*
Home Value 4.52% p.a. (LVR 80% or below)
4.52% p.a. (LVR above 80%)
4.58% p.a. (LVR 80% or below)
4.58% p.a. (LVR above 80%)
4.77% p.a. (LVR 80% or below)
4.77% p.a. (LVR above 80%)
4.68% p.a. (LVR 80% or below)
4.68% p.a.  (LVR above 80%)
Variable Rate 5.13% p.a. (LVR 80% or below)
5.13% p.a. (LVR above 80%)
5.19% p.a. (LVR 80% or below)
5.19% p.a. (LVR above 80%)
5.38% p.a. (LVR 80% or below)
5.38% p.a. (LVR above 80%)
5.29% p.a. (LVR 80% or below)
5.29% p.a. (LVR above 80%)
Home Smart 5.13% p.a. (LVR 80% or below)
5.13% p.a. (LVR above 80%)
5.19% p.a. (LVR 80% or below)
5.19% p.a. (LVR above 80%)

-

-
Variable Rate Home Loans rates comparison – Investment
Investment Home Value
Principal & Interest 4.52% p.a. (LVR 80% or below)
4.52% p.a. (LVR above 80%)
Principal & Interest
Comparison rate*
4.58% p.a. (LVR 80% or below)
4.58% p.a. (LVR above 80%)
Interest Only  4.77% p.a. (LVR 80% or below)
4.77% p.a. (LVR above 80%)
Variable Interest Only 
Comparison Rate*
4.68% p.a. (LVR 80% or below)
4.68% p.a.  (LVR above 80%)
Investment Variable Rate
Principal & Interest 5.13% p.a. (LVR 80% or below)
5.13% p.a. (LVR above 80%)
Principal & Interest
Comparison rate*
5.19% p.a. (LVR 80% or below)
5.19% p.a. (LVR above 80%)
Interest Only  5.38% p.a. (LVR 80% or below)
5.38% p.a. (LVR above 80%)
Variable Interest Only 
Comparison Rate*
5.29% p.a. (LVR 80% or below)
5.29% p.a. (LVR above 80%)
Investment Home Smart
Principal & Interest 5.13% p.a. (LVR 80% or below)
5.13% p.a. (LVR above 80%)
Principal & Interest
Comparison rate*
5.19% p.a. (LVR 80% or below)
5.19% p.a. (LVR above 80%)
Interest Only 

-

Variable Interest Only 
Comparison Rate*
-

Rates are current as at: 21 September 2020

(and subject to change)

* 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.

Credit provided by HSBC Bank Australia ABN 48 006 434 162. Australia Credit Licence 232595. Home Loan Terms (PDF, 1.2 MB) and Personal Banking Booklet (PDF,1.5 MB) , fees, charges (PDF, 538 KB) and lending criteria apply.