Finder makes money from featured partners, but editorial opinions are our own.

HSBC home loans

HSBC home loan rates start from 5.99%.

No reviews yet. Write a review

HSBC is a global bank offering home loans and other financial services in Australia. HSBC has fixed and variable rate loans, including full-featured package loans. Check out the full table of HSBC products below or read more about the lender and its loans.

Compare HSBC home loans for June 2024

Hit the "Load more" button to compare a bigger selection of products. You can also find more information on each product by clicking "more info".

{"visibility":"visibilityTable","ctaLabel":"Calculate","tableCode":"SAMPLE_COMPARISON_V2_TEMPLATE","nicheCode":"AUFHL","fields":[{"name":"LOAN_AMOUNT","value":"150000","options":"","label":"Borrowing amount","suffix":"$","useSuffixAsPrefix":true,"useDropDownOption":false,"tooltip":""},{"name":"PERIOD","value":"30","options":"","label":"Period","suffix":"years","useSuffixAsPrefix":true,"useDropDownOption":false,"tooltip":""}]}
Name Interest Rate p.a. Comparison Rate p.a. Fees Monthly Payment
HSBC logo
Principal & Interest40% min. depositOwner-occupier
HSBC logo
Principal & Interest40% min. depositOwner-occupier
Product NameHSBC Home Value Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.5.99%
Comp. Rate p.a.5.99%
Minimum Loan Amount$50,000
Maximum Loan Amount $15,000,000
Maximum Loan Term30 years
Maximum LVR ≤60%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableYes
Extra Repayments Yes
Interest Rate
5.99%
Comparison Rate
5.99%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$900
HSBC logo
Principal & Interest40% min. depositInvestment
HSBC logo
Principal & Interest40% min. depositInvestment
Product NameHSBC Home Value Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.19%
Comp. Rate p.a.6.19%
Minimum Loan Amount$50,000
Maximum Loan Amount $15,000,000
Maximum Loan Term30 years
Maximum LVR ≤60%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableYes
Extra Repayments Yes
Interest Rate
6.19%
Comparison Rate
6.19%
Fees
Application: $0
Ongoing: $0 per month
Monthly Payment
$919
HSBC logo
Principal & Interest30% min. depositOwner-occupier
HSBC logo
Principal & Interest30% min. depositOwner-occupier
Product NameHSBC Home Value Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.04%
Comp. Rate p.a.6.04%
Minimum Loan Amount$50,000
Maximum Loan Amount $15,000,000
Maximum Loan Term30 years
Maximum LVR ≤70%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableYes
Extra Repayments Yes
Interest Rate
6.04%
Comparison Rate
6.04%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$905
HSBC logo
Principal & Interest20% min. depositOwner-occupier
HSBC logo
Principal & Interest20% min. depositOwner-occupier
Product NameHSBC Home Value Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.09%
Comp. Rate p.a.6.09%
Minimum Loan Amount$50,000
Maximum Loan Amount $15,000,000
Maximum Loan Term30 years
Maximum LVR ≤80%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableYes
Extra Repayments Yes
Interest Rate
6.09%
Comparison Rate
6.09%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$909
HSBC logo
Principal & Interest 2Y Fixed20% min. depositOwner-occupier
HSBC logo
Principal & Interest 2Y Fixed20% min. depositOwner-occupier
Product NameHSBC Fixed Rate Home Loan Package
Interest Rate TypeFixed rate
Repayment Type Principal & Interest
Interest Rate p.a.5.99%
Comp. Rate p.a.6.52%
Minimum Loan Amount$150,000
Maximum Loan Amount N/A
Maximum Loan Term
Maximum LVR 80%
Loan Redraw FacilityNo
Offset AccountNo
Split Loan Facility
Fixed Interest OptionNo
Loan Portable
Extra Repayments Yes
Interest Rate
5.99%
Comparison Rate
6.52%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$900
loading
Showing 5 of 15 results

HSBC key facts

  • HSBC has online banking support and some branch coverage in major cities, but branch coverage is not as extensive as the Big Four or some local competitors.
  • You need at least a 10% deposit to qualify for most HSBC home loans. Many require a 20% deposit or, in some cases, even higher.
  • HSBC also offers personal loans, credit cards, savings accounts, insurance products and other banking services.

Review by our senior home loans writer Richard Whitten

HSBC mortgage features

Here are the key features and details you need to know about HSBC's mortgage products.

FeatureDetails
Minimum depositMany HSBC loans have 90% maximum LVRs. This means you can get the loan with a 10% deposit, but many others require a 20% deposit.
Offset account?Some HSBC loans come with 100% offset accounts, but not all of them do, so check carefully before applying.
FeesWhile HSBC's package loans come with a standard annual fee, many HSBC loans have very minimal fees.
Repayment optionsBoth HSBC's fixed and variable rate loans allow you to make interest-only repayments for a limited period. The lender also offers the standard principal-and-interest repayments on its loans.
Split rateMost HSBC mortgages allow you to split your loan into fixed and variable portions.

How do I apply for an HSBC mortgage?

When applying for any home loan, you will need various documents to establish your identity, financial situation, employment status and details about the property.

Eligibility

Each HSBC product has specific eligibility criteria, but the following will apply to all products:

  • Age. You must be over 18 years of age.
  • Residency. You should be a resident of Australia.
  • Employment. You should have a regular source of income.

Documents required

When you apply for a mortgage with HSBC, you are required to provide certain information, so make sure you have all your documents ready before you apply. You will be expected to provide the following documents:

📄 Property details: You can start a loan enquiry before you've bought a property, but to complete an application, you need the address of the property and a signed contract of sale.

📄 Identification documents. You will need identification such as a driver's licence, passport or birth certificate.

📄 Proof of income documents. Recent payslips can establish your income.

📄 Asset and liability documents. You need to provide documents showing your current assets (savings accounts and investments) and liabilities (your outstanding debt).

How to apply for a home loan

Lenders like HSBC

There are a few international finance groups operating in Australia that are comparable to HSBC. You may also want to consider home loans from a large local bank or an online lender.

  • Citibank. Citigroup is an international bank that has been operating in Australia for decades and offers home loans.
  • ING. This online bank is part of the global, Dutch-based financial group of the same name.

More home loan questions

More guides on Finder

  • HSBC Home Value Loan

    This HSBC home loan gives you flexibility, a low rate and minimal fees. You can get it with a 10% deposit.

Ask a Question

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
Go to site