HSBC Home Value Loan
Rates and fees last updated on Monday 4 February 2019
Get a competitive interest rate, avoid ongoing fees and enjoy repayment flexibility with HSBC's Home Value Loan.
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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This interest rate is available for new customers borrowing at least $50,000. You must apply by 30 April 2019. This rate offer is not available to non-residents.
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For a limited time HSBC is waiving its $600 establishment and valuation fees for the Resident Owner Occupier rate. Other loans may still come with these fees.
Dear Sir/Madam,
Can I get an appointment to meet one of your home loan personnel to discuss my eligibility.
Quick update is I am after a loan to purchase a block of land settling soon in next two weeks.
I need 80% loan only.
Thanks
Hi Applesamy,
Thank you for reaching out to finder.
If you wish to apply or reach out to HSBC regarding their HSBC Home Value Loan, you may click on the “Go to site” button located on this page to be routed to their website. Just to add, if you are looking at comparing home loans available for you. You may go ahead and click on this link to start a comparison. Hope this helps!
Cheers,
Reggie
I was bankrupt from February 2014-2017. I have been discharged almost two years. would I qualify for a home loan? looking for a loan $220000
Hi Kei,
Thank you for reaching out to finder.
You may want to visit this page that will give you a great read on “Home loans for Discharged Bankruptcy”. This link gives you a list of specialized lenders who are willing to assist you regarding this. Hope this helps!
Cheers,
Reggie
I am an Australia PR with overseas (not Australia) income. Previously I did a check with Westpac and they only allow 30% deposit 70% loan although they can lend me up to $1.2m.
I am looking to get a place Melbourne for around $500K.
Can I check if they are any home loans that allow 20% deposit instead of 30% for PRs with overseas income? I work for an MNC (oil major) by the way.
Thanks
Hi Kai,
Thanks for getting in touch with finder. I hope all is well with you. :)
As of now, we don’t have a specific list of lenders who accommodate borrowers whose income is coming from overseas. However, this does not mean that you won’t find any lender who might help you. Generally, lenders will want to know that you have a steady source of income. Since you have that, then you can simply compare your options using our pages.
On this page, you’ll find low deposit home loans. You may also head to this page to see a full list of other home loan providers. On both pages, you’ll find a table that allows you to compare your options. Click on the “Go to site” green button to learn more.
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
Have a wonderful day!
Cheers,
Joshua
i am self employed and I have only 1 year of Tax return for ABN (self employed). can I still get home loan with 10% deposit. Thanks
Hi Rajat,
Thanks for your question.
Your approval for a home loan with 10% deposit would depend on the lender’s discretion and whether you also meet other requirements aside from your tax return and income. Other factors that the lender will also consider is your creditworthiness. If you like to check your options for a home loan, please refer to these guides:
1. Low Deposit Home Loans – Contains a guide to know how small can your deposit be plus lenders that offer as low as 5% deposit.
2. Guarantor Home Loan – It explains how guarantor home loan works, who can be your guarantor and the benefits of this type of home loan.
3. Self Employed Borrowers – You can find out what does low-doc home loan mean, loans available to a self-employed borrower, etc.
If you’ve reviewed the guides and considered a lender, please get it touch with the lender directly to discuss your options. Alternatively, you can speak to a mortgage broker who can help you with your borrowing options as they can consider your current situation.
I hope this has helped.
Cheers,
May
Hi just wondering I have a $4,000 deposit looking to borrow $235,000 may I qualify for a loan please or do I need more of a deposit please thanks
Hi Julieanne,
Thanks for your message and for visiting finder – the leading comparison website & general information service built to give you advice in your buying decision needs. How are you doing today?
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.
Also, you may want to have these documents ready when you apply.
Personal details. You’ll need to provide your name, date of birth, residency status, current residential address and employment status.
Assets and liabilities. HSBC will need you to outline any assets that your currently own (e.g. shares or managed funds), and details about any liabilities you have (e.g. credit cards or a car loan).
Income and expenditure. You’ll need to provide details of your gross income and your monthly expenses.
Loan structure and purpose. You’ll be required to specify details including the number of loans, loan type, loan term and the interest-only term (if applicable).
Security details. HSBC will need information regarding the security property including property type, property ownership and address.
Best of luck!
Nikki
Is this home loan a off set home loan?
Hi David,
Thanks for your inquiry
Yes, adding an offset account to the HSBC Home Value Loan is possible. If you want to check options for offset account on our site, please feel free to check and compare them by clicking on this page.
Hope this information helps
Cheers,
Arnold
Hi, I was wondering whether you would give home loan (owner occupier) for a home that is 38+7 balcony sqm total 45 sqm one bedroom in Glebe? I would like to refinance 80% of the property loan. Total value is $650 000.
Hi Krisztina,
Thanks for your question.
The HSBC Home Value Loan is available for refinancing at 80% LVR. However, as we do not represent HSBC, we are unable to assess if your property will qualify.
Please do check if you meet the eligibility criteria listed above. You may also directly contact HSBC to directly discuss your eligibility.
Alternatively, you may compare other home refinancing loans on this page. And if you need expert advice on the best option for your situation, you may also get in touch with a mortgage broker to assist you.
Cheers,
Anndy
Hi there,
I am on a 457 visa and would like to apply for a home loan (max 80% LVR). Does HSBC do loans with 457 visa holders? Thanks.
Hi Vi,
Thanks for your question.
The home loan options being offered to temporary Australian residents are typical mortgage packages that would be available to Australian citizens or permanent residents. The main difference being the cap on the amount you are allowed to borrow and the down payment that is required. Depending on your job circumstances you may be able to qualify for the maximum LVR of HSBC Home Value Loan. You may have to directly get in touch with HSBC to discuss your eligibility.
Alternatively, you may also compare other home loan products on this page.
Cheers,
Anndy
Can you please provide me with a rate and monthly repayments for a 300k and 400k 3 year interest only loan. I would be providing a 35% cash deposit.
Hi Gerard,
Thanks for your question.
Unfortunately, we are unable to give a repayment quote for interest only HSBC Home Value Loan. You may have to directly contact HSBC to get a quote.
Alternatively, you may also compare other interest-only home loans here.
Cheers,
Anndy
I requested for call back for home loan several times. No one called me. Is this is a sign of bad customer service?
Can you post here an estimate of this situation? I have 20% deposit,will move to the house in 6-12 months time,seeking 300K loan from bank. I would like to know variable rate(with offset account) and also fixed rate(2 years). With this I need to know all the legal costs ie – monthly fee,yearly fee,valuation fees,maintenance fees,etc. I will compare with CBA which they approved for the loan .(Pre Approval)
Hello David,
Thank you for your inquiry.
Our company finder.com.au is a financial comparison website and general information service designed to help consumers to make a better decision. Please note we do not represent any company we feature on our pages. For HSBC Home Loan you may want to check this page for your guide and reference. Also, if you wish to speak with their customer support please click the “go to site” button based on the link I provided. Then at their page click the “enquire now” button.
I hope this information has helped.
Cheers,
Harold