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If you’re looking for an owner occupier home loan that comes with a low variable interest rate, limited fees and repayment flexibility then the HSBC Value Home Loan could be for you. It's even available for borrowers with a 10% deposit.
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Review by
Marc Terrano is a lead publisher and growth marketer at Finder. He has previously worked at Finder as a publisher for frequent flyer points and home loans, and as a writer, podcast host and content marketer. Marc has a Bachelor of Communications (Journalism) from the University of Technology Sydney. He’s passionate about creating honest and simple reviews and comparisons to help everyone get value for money.
HSBC needs to pay for an independent home valuation before you can finalise the loan. This helps HSBC understand the value of the property and helps to determine how much you can borrow and whether mortgage insurance is required.
If you believe the HSBC Home Value Loan is right for you, click on the green 'Go to site ' or 'Enquire' button. You will then be redirected to the HSBC website or to a mortgage broker page.
Then you can discuss your eligibility for this loan with a HSBC lending specialist or a qualified mortgage broker.
When you apply for the HSBC Home Value Loan, you'll need to supply the following:
March 23, 2022
Do you provide owner occupied home loan on family trust name. There is only one trustee of the family trust and it is not a company that is trustee.
March 26, 2022
Hi Simon,
At Finder we can help you compare loans but we do not offer the loans ourselves.
According to HSBC chat support, they may be able to offer home loans to family trusts, however it would be assessed on a case-by-case basis. It would be best to speak with a home loan specialist to confirm whether they may be able to service a loan for your circumstances. Make sure to review their Product Disclosure Statements and Terms & Conditions before applying.
I hope this helps.
Kind regards,
Richard
March 19, 2022
Hi
How do I go about discussing my finance needs?
Regards
March 23, 2022
Hi John,
You can find more information about HSBC Home Value Loan on their website. To get in touch with an HSBC Home Loan Expert, please call 1300 694 722.
Alternatively, you can request assistance from a mortgage broker to get personalised advice regarding your situation. Their services are free, and they can help you find a specialist lender who may be able to help you find a lender to work with.
Thanks!
Richard
March 10, 2022
when is the cashback offer paid ? and secondly , what conditions are there around this offer?
March 18, 2022
Hi Paul,
When you refinance your current home loan to HSBC with a minimum of $250,000 and get approved, you will receive a maximum cashback of $3,288. This will be credited into your HSBC Transaction or Home Loan account within 60 days of settlement.
You must submit your application for full approval to HSBC by 31 March 2022 and settle by 31 May 2022.
For more details and to apply, please visit the HSBC Home Value Loan site.
The terms and conditions of the offer can be found when you scroll down to the bottom of the page.
I hope this helps!
Regards,
Richard
February 2, 2022
I have a home loan with 4 names. I wish to refinance my home loan. How many names can be on a home loan with HSBC?
February 3, 2022
Hi Gina,
There’s no legal limit on how many names can be on a home loan, but every bank and lender has their own policy on this. We don’t track them individually; you can contact HSBC directly to find how many names can can be added on the loan.
Many thanks,
Sarah
December 28, 2021
HSBC charges $390 per year, why does this say there is $0 ongoing fees?
January 11, 2022
Hi Allan,
There is no annual $390 fee on the Home Value loan. HSBC charges this fee if you get a home loan package (bundling other products with the loan). If you don’t get the package, you don’t pay the fee.
I hope this helps.
Kind regards,
Richard