{"postModifiedDate":"Tuesday 15 May 2018","name":"HSBC Home Value Loan","productId":"172","variantId":"172","productSummary":[{"headline":"Interest-only","description":"The interest-only option means that you can reduce your repayments and free up some extra cash. You can make interest-only payments for a maximum of five years.\r"},{"headline":"Extra payments","description":"You can make additional repayments towards your loan without penalty, allowing you to minimise the interest payable over the life of your loan and reduce your loan term.\r"},{"headline":"Flexible repayment schedule","description":"With the HSBC Home Value Loan, you can choose from a weekly, fortnightly or monthly repayment schedule."}],"productIntro":{"headline":"Enjoy a competitive interest rate and no monthly account fees with the HSBC Value Home Loan. \r","description":"If you\u2019re looking for a basic home loan that has a competitive interest rate, but don't want to miss features that can help you pay off your loan faster, you may want to consider the HSBC Value Home Loan."},"pros":["There are $0 ongoing monthly fees to pay.\r","You can make extra payments at any time without penalty.\r","You can withdraw extra funds from your mortgage via the redraw facility (minimum redraw amount is $500)."],"cons":["A discharge fee of $300 applies when you close your home loan account."],"fees":[{"title":"Application Fee","data":{"text":"$0"}},{"title":"Lender's Legal Fee","data":{"text":"$0"}},{"title":"Ongoing Fees","data":{"text":"$0 p.a."}},{"title":"Settlement Fee","data":{"text":"$0"}},{"title":"Discharge Fee","data":{"text":"$300"}}],"whatHappens":["Clicking Go to site will take you to the lender's website.","","After completing the contact form, a mortgage expert will contact you.","","The mortgage expert will ensure you find the right loan, calculate your repayments, and explains all the associated fees.","","After going through the enquiry process you will be able to know how much you can borrow, begin your application when you are ready to apply and be approved for a home loan."],"whatInfoDoINeed":["When you apply for the HSBC Home Value Loan you'll\nneed to supply the following: personal details such as date of\nbirth, residency status, current residential address and employment\nstatus; information about your current assets and debts; income and expenditure details."],"provider":{"name":"HSBC","logoUrl":"https:\/\/d1ic4altzx8ueg.cloudfront.net\/global\/images\/providers\/hsbc-new-logo.png","siteUrl":"https:\/\/www.hsbc.com.au\/"},"externalInfo":{"feeNotes":{"headline":"Fee Waiver - Limited Time Offer\r","description":"For a limited time HSBC is waiving its $600 establishment fee, and valuation and settlement fees for the Resident Owner Occupier Only rate. Other loans may still come with these fees."},"redrawNotes":{"headline":"","description":""}},"variantDetails":{"0":{"label":"Product Name","value":"HSBC Home Value Loan"},"1":{"label":"Interest Rate Type","value":"Variable"},"3":{"label":"Comp Rate^ (p.a.)","value":"<\/span><\/span>"},"4":{"label":"Minimum Loan Amount","value":"$50,000"},"5":{"label":"Maximum Loan Amount","value":"$7,500,000"},"6":{"label":"Minimum Loan Term","value":"1 year"},"7":{"label":"Maximum Loan Term","value":"30 years"},"8":{"label":"Maximum LVR","value":"80%"},"9":{"label":"Maximum Insured LVR","value":"90%"},"10":{"label":"Mortgage Offset Account","value":"No"},"11":{"label":"Mortgage 100% Offset","value":"No"},"12":{"label":"Loan Redraw Facility","value":"Yes"},"13":{"label":"Split Loan Facility","value":"Yes"},"14":{"label":"Fixed Interest Option","value":"No"},"15":{"label":"Loan Portable","value":"Yes"},"16":{"label":"Suitable for Investment","value":"Yes"},"17":{"label":"Extra Repayment","value":"Yes"},"18":{"label":"Available as equity loan\/line of credit","value":"No"},"19":{"label":"Repayment Type","value":"Principal & Interest"}},"productFieldsToFetch":["hl_product_id","hl_product_name","hl_product_interest_rate","hl_product_max_insured_LVR","hl_product_min_loan_amount","hl_product_max_loan_amount","hl_product_comp_rate","hl_product_active","hl_product_apply_url","hl_product_hide_apply_buttons","cc_provider_mortgage_broker","hl_product_hide_mortgage_broker"]}