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Read the latest home loan reviews from the Mozo community. Thousands of Australians have reviewed their mortgage provider to give you the inside story on everything from sneaky fees to customer service.
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We have been with this bank for 3 1/2 years and have had very poor service continually. The information is not clear as most of the staff are Chinese and speak 'chinglish' which makes it very hard to understand exactly what they are saying as wel... Full review
We have been with this bank for 3 1/2 years and have had very poor service continually. The information is not clear as most of the staff are Chinese and speak 'chinglish' which makes it very hard to understand exactly what they are saying as well as making it difficult for them to understand what our issues are to help us. It took almost 6 months to borrow against our equity in our home so that we could purchase a unit. Meanwhile prices had gone up on the properties. When this loan was processed it was not done as we had asked and has a higher interest rate and we are still not sure how it all works. We have borrowed for and bought 6 homes with other banks mostly through mortgage brokers and wish we had done this for our last loan. Their charges for leaving the bank are huge so at this stage we are not able to exit the loan. The value of our house has gone down also so selling is also not an option. HSBC set up 2 accounts and wont transfer funds to the home loan account so we have to do it manually each month which is a problem as my husband is traveling. My husband works overseas and he is payed into HSBC which is why we initially went with them as we thought that would be easier. We were so wrong. We would have been so much better off if we borrowed the money from overseas at a much lower interest rate but this was not even mentioned as an option by them. They are not making any advice to help the consumer. There are no bank offices on the Sunshine Coast so we have to drive to Brisbane if there are any problems or to sign papers etc which is also a major inconvenience and more costs. In general we are very disappointed in HSBC's service, products, communication and situation. We will never borrow from them for a home again. We could not recommend them to anyone but would warn others NOT to deal with them if they have the choice.
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Excellent
When we HAD PLAN TO BY THE HOUSE, THEY OFFERED US 95% OF LOAN AND ALSO GOOD INTEREST AND EXCELLENT CUSTOMER SERVICE. Full review
When we HAD PLAN TO BY THE HOUSE, THEY OFFERED US 95% OF LOAN AND ALSO GOOD INTEREST AND EXCELLENT CUSTOMER SERVICE.
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Easy web site to navigate around.
When you are a 1st home buyer. Fees, charges and interest rates (fixed or variable) need to be explained in person to the customer rather than via a leaflet. This should be a mandatory process when applying (especially in the case of a home loan a... Full review
When you are a 1st home buyer. Fees, charges and interest rates (fixed or variable) need to be explained in person to the customer rather than via a leaflet. This should be a mandatory process when applying (especially in the case of a home loan and first time lender as well) then the customer would have more piece of mind in making an informed decision.
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typical bank loan once signed up no contact
This product served our needs but I was disappointed that they advertised if we went with this package they had the best interest rate and the night before we signed up an ad on the tv was advertising the greater with a better rate. NAB matched th... Full review
This product served our needs but I was disappointed that they advertised if we went with this package they had the best interest rate and the night before we signed up an ad on the tv was advertising the greater with a better rate. NAB matched the rate but only after I chased it up. Still check around for competitive interest rates and let your bank know if they are not the best.
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One of the "big 4" - enough said
How apt that my bank should be named "NAB" -day in, day out, they "nab" my hard earned money in interest payments. They do this best when they refuse to pass on RBA interest rate cuts!! Full review
How apt that my bank should be named "NAB" -day in, day out, they "nab" my hard earned money in interest payments. They do this best when they refuse to pass on RBA interest rate cuts!!
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Good rates and great customer service
I have had no problems with their loan. Full review
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