{"postModifiedDate":"Tuesday 4 December 2018","name":"HSBC Home Value Loan","productId":"172","variantId":"172","productSummary":[{"headline":"10% deposit option","description":"You can borrow 90% of the property's value, but you will need to pay lender's mortgage insurance.\r"},{"headline":"Flexible repayment schedule","description":"With the HSBC Home Value Loan, you can choose from a weekly, fortnightly or monthly repayment schedule.\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."}],"productIntro":{"headline":"Get a competitive interest rate, avoid ongoing fees and enjoy repayment flexibility with HSBC's Home Value Loan.","description":"If you\u2019re 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."},"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":"$150"}},{"title":"Ongoing Fees","data":{"text":"$0 p.a."}},{"title":"Settlement Fee","data":{"text":"$150"}},{"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-logo-2018.png","siteUrl":"https:\/\/www.hsbc.com.au\/"},"externalInfo":{"feeNotes":{"headline":"Promotional Rate Offer","description":"This interest rate is available for new customers borrowing at least $50,000. You must apply by 01 February 2019. This rate offer is not available to non-residents."},"redrawNotes":{"headline":"Fee Waiver - Limited Time Offer","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."}},"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"]}