HSBC Home Loans

Rates and fees last updated on

Take advantage of an international bank with a wealth of experience when you buy your home.

HSBC has been operating in Australia since 1965, and offers a range of home loan products to make repaying your mortgage as affordable as possible, and rewarding you for your continued loyalty to your local bank.

Investment lending

HSBC has chosen to no longer offer investment lending to new customers due to recent Australian regulatory changes, if you are an existing HSBC customer you can speak to HSBC about their investment lending options.

HSBC Home Loan Offer

HSBC Home Value Loan - Resident Owner Occupier only

3.85 % p.a.

variable rate

3.86 % p.a.

comparison rate

HSBC Home Loan Offer

The HSBC Home Value Loan is a low rate with no monthly fees. Enjoy premium service with a dedicated HSBC Relationship Manager.

  • Interest rate of 3.85% p.a.
  • Comparison rate of 3.86% p.a.
  • Application fee of $0
  • Maximum LVR: 90%
  • Minimum borrowing: $50,000
  • Max borrowing: $7,500,000
Go to site

Compare HSBC home loans

Rates last updated July 21st, 2017
$
Loan purpose
Offset account
Loan type
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Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
HSBC Home Value Loan - Resident Owner Occupier only
Enjoy a low variable rate with no ongoing fees and borrow up to 90% of the value of the property.
3.85% 3.86% $0 $0 p.a. 90% Go to site More info
HSBC Premier Fixed Rate Home Loan - 3 Years Fixed (Owner Occupier only)
Enjoy a 3 years fixed low rate with flexible repayment options.
4.09% 4.83% $300 $35 monthly ($420 p.a.) 90% More info
HSBC Premier Fixed Rate Home Loan - 1 Year Fixed (Owner Occupier)
A low fixed interest rate home loan with a low ongoing fee.
3.85% 4.87% $300 $35 monthly ($420 p.a.) 90% More info
HSBC Premier Fixed Rate Home Loan - 3 Year Fixed (Owner Occupier)
A low fixed interest rate home loan locked in for 3 years.
4.09% 4.83% $300 $35 monthly ($420 p.a.) 90% More info
HSBC Premier Fixed Rate Home Loan - 2 Year Fixed (Owner Occupier)
HSBC's lowest fixed rate offer in the market. Reverts to a discounted variable rate after the initial term.
3.95% 4.83% $600 $35 monthly ($420 p.a.) 90% More info
HSBC Premier Home Loan - Variable (Owner Occupier)
Enjoy a low interest rate and flexible features such as redraw and offset facility.
4.48% 4.93% $0 $35 monthly ($420 p.a.) 90% More info
4.49% 4.93% $300 $35 monthly ($420 p.a.) 90% More info
HSBC Variable Home Loan - Owner Occupier
Enjoy a low interest rate and flexible features such as redraw and offset facility.
5.23% 5.29% $600 $0 p.a. 90% More info
HSBC Home Equity Loan - Owner Occupier
Flexibility with no set loan term and extra repayments allowed with no ongoing fees.
5.31% $600 $0 p.a. 90% More info
HSBC Home Smart Loan - (Owner Occupier)
A smart loan with 100% offset account with redraw facility and no ongoing fee.
5.23% 5.29% $600 $0 p.a. 90% More info
HSBC Market Linked Home Loan - Investors
A loan for investors with income in a foreign currency.
4.36% $750 $35 monthly ($420 p.a.) 60% More info
HSBC Premier Fixed Rate Home Loan - 4 Year Fixed (Owner Occupier)
A premier fixed with a low account keeping fee, and with redraw facility.
4.39% 4.90% $300 $35 monthly ($420 p.a.) 90% More info
3.85% 5.16% $600 $0 p.a. 90% More info
HSBC Home Value Loan - Variable Rate (Owner Occupier)
Enjoy a low interest rate with the HSBC Home Value Loan.
4.62% 4.68% $600 $0 p.a. 90% More info
3.95% 5.06% $600 $0 p.a. 90% More info
4.19% 5.02% $600 $0 p.a. 90% More info
4.49% 5.04% $600 $0 p.a. 90% More info
4.59% 5.02% $600 $0 p.a. 90% More info
4.79% 5.51% $600 $0 p.a. 90% More info
4.79% 5.48% $600 $0 p.a. 90% More info
4.79% 5.43% $600 $0 p.a. 90% More info
5.19% 5.68% $600 $0 p.a. 90% More info
5.29% 5.67% $600 $0 p.a. 90% More info
4.56% $600 $0 p.a. 80% More info
4.48% 4.93% $552.50 $35 monthly ($420 p.a.) 90% More info

What home loans does HSBC offer?

  • Home Value Loan. The HSBC Home Value Loan offers a competitive interest rate and allows unlimited, free additional repayments. If you do find you need to redraw some of those additional repayments in an emergency you can, but fees apply.
  • Fixed Rate Home Loan. The HSBC fixed rate home loan gives you security against rising interest rates and can help you save even more by allowing additional repayments of up to $10,000 per year. You can also use the fixed rate loan as a low doc borrower, and can add a HSBC package if you are looking for more functionality.
  • Market Linked Loan. As the world’s bank HSBC can offer completive deals on international financial products and their Market Linked Loan allows expatriates or investors who are earning an income in Hong Kong or the US to purchase an investment property in Australia. The maximum LVR allowed is 60% but you are able to match your repayments to your income.
  • Home Equity Loan. You can borrow against the equity in your home up to an LVR of 80% and depending on how much equity you have available, and whether you want it for renovations, investments, a holiday or bill paying you can operate your HSBC line of credit loan as an all in one loan, with varying transaction inclusions.

About HSBC premier standard variable home loan

The HSBC Premier

If your home loan exceeds $50,000 you can be eligible for HSBC Premier. This includes:

  • Rate discounts for some home loans
  • A 50% discount on loan establishment fees.
  • An ongoing discounted interest rate on a fixed or variable rate.
  • Discounted personal loan products.

Calculate your repayments by filling in some of your details

How do I apply for an HSBC home loan?

You can for HSBC loans by phone, online or in person.

You will need to supply 100 points of identification, verification of your employment and proof of income. You will also have to provide details of all your debts and assets.

Once you apply for the loan, HSBC's credit department will look over the details of your loan. If you look like you are suited to the loan then you will be given conditional approval. Once you get conditional approval you will then have to provide all the documents talked about earlier and if they all match your application then you will be given unconditional approval. You will then receive a letter of offer from the bank and once you read them you will sign and return the documents. Once all the documents are supplied the sale of the property can be organised.

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This page was last modified on 23 May 2017 at 11:30am.

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