The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 and $7,500,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 and $7,500,000 with an LVR below 90%
The details shown below are for an owner occupier taking out a interest only loan between $150,000 and $7,500,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan between $150,000 and $7,500,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan between $150,000 and $7,500,000 with an LVR below 90%
The details shown below are for an investor taking out a interest only loan between $150,000 and $7,500,000 with an LVR below 80%
The details shown below are for an investor taking out a interest only loan between $150,000 and $7,500,000 with an LVR below 90%
Choose the version of this loan that suits you best
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
|
|
Owner Occupier | Principal & Interest | < 80% | $150,000 | $7,500,000 |
|
|
Owner Occupier | Principal & Interest | 80%-90% | $150,000 | $7,500,000 |
|
|
Owner Occupier | Interest Only | < 80% | $150,000 | $7,500,000 |
|
|
Investor | Principal & Interest | < 80% | $150,000 | $7,500,000 |
|
|
Investor | Principal & Interest | 80%-90% | $150,000 | $7,500,000 |
|
|
Investor | Interest Only | < 80% | $150,000 | $7,500,000 |
|
|
Investor | Interest Only | 80%-90% | $150,000 | $7,500,000 |
Owner Occupier (Principal & Interest)
LVR < 80%
Loan: $150,000 $7,500,000
Owner Occupier (Principal & Interest)
LVR 80%-90%
Loan: $150,000 $7,500,000
Owner Occupier (Interest Only)
LVR < 80%
Loan: $150,000 $7,500,000
Investor (Principal & Interest)
LVR < 80%
Loan: $150,000 $7,500,000
Investor (Principal & Interest)
LVR 80%-90%
Loan: $150,000 $7,500,000
Investor (Interest Only)
LVR < 80%
Loan: $150,000 $7,500,000
Investor (Interest Only)
LVR 80%-90%
Loan: $150,000 $7,500,000
With interest rates for owner-occupiers starting as low 5.77% p.a. (3.85% p.a. comparison rate*), it’s no wonder HSBC’s Fixed Rate Home Loan was awarded a 2020 Mozo Experts Choice Home Loan Award! This home loan also comes with the ability to make free extra repayments, up to $10,000 per year. And on top of all this, HSBC is currently offering a cashback offer for refinancers of up to $3,288! (Must apply by 31 August 2022).
If you’re after an award-winning home loan with a competitive fixed rate, then it might be worth adding HSBC’s Fixed Rate Home Loan to your shortlist. Rates start at 5.77% p.a. (3.85% p.a. comparison rate*) for a 2 year loan term. Loan terms available range from 1 to 5 years, meaning for the duration of your fixed term you won’t have to worry about any sudden rate hikes.
Plus, if you’re keen to pay off your loan sooner, you’ll be interested to hear that you can make free extra repayments up to $10,000 per year. There's more good news for refinancers too, as HSBC is currently offering cashback up to $3,288! To be eligible for this deal you will have to be a new customer, refinancing a home loan of at least $250,000 and apply by 31 August 2022, settle by 31 October 2022. If you are eligible for the deal, the cashback will be credited into either your HSBC Transaction or Home Loan account within 60 days of settlement.
Just bear in mind however that there isn’t a redraw facility so you won’t be able to access these funds if you do decide you need them later on.
With this loan you also have the option to split your repayments between a fixed rate and a variable rate portion. That way you can hold on to the security that comes with a fixed rate, while also benefiting from a potentially lower variable rate.
Finally, an added bonus to this home loan is the inclusion of HSBC’s Premier World Mastercard which comes with no annual fee. You can use the card to earn rewards points with airline rewards programs including Asia Miles and Singapore Airlines’ KrisFlyer. Just remember that the card does come with an annual interest rate of 19.99% p.a, which you can avoid if you pay off purchases in full within the 55 interest free days.
If a competitive, fixed rate is top priority for you and you’re not too fussed about extra frills, such as offset accounts or redraw facilities, then HSBC’s Fixed Rate Home Loan might be worth looking into.
Just be aware that this loan is only available on loans above $500,000 and you will also need at least a 20% deposit.
There is a $35 monthly service fee with this loan so be sure that you’ll use the split loan and extra repayment features and credit card that make this fee worthwhile.
After the fixed rate period the loan reverts to a standard variable rate of 2.87% (3.30% p.a. comparison rate*), so make sure that you shop around to make sure that it is a competitive rate compared to other home loans in the market.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
5.57% (3.59%*) |
|
|
5.77% (3.85%*) |
|
|
5.87% (4.11%*) |
|
|
n/a |
|
|
5.97% (4.61%*) |
|
|
n/a |
|
|
n/a |
|
|
2.87% p.a. |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$390.00 yearly |
|
|
$300.00 |
|
$150,000 |
|
|
$7,500,000 |
|
|
none |
|
|
80.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $10,000 p.a. |
|
|
no |
|
|
no |
|
|
none |
|
|
yes |
|
|
no |
|
|
none |
|
|
none |
|
|
Receive $3,288 cashback when you refinance an existing home loan of $250,000. Must apply by 31 August 2022 and settle by 31 October 2022. |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
5.67% (3.59%*) |
|
|
5.87% (3.86%*) |
|
|
5.97% (4.13%*) |
|
|
n/a |
|
|
6.07% (4.64%*) |
|
|
n/a |
|
|
n/a |
|
|
2.92% p.a. |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$390.00 yearly |
|
|
$300.00 |
|
$150,000 |
|
|
$7,500,000 |
|
|
80.00% |
|
|
90.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $10,000 p.a. |
|
|
no |
|
|
no |
|
|
none |
|
|
yes |
|
|
no |
|
|
none |
|
|
none |
|
|
Receive $3,288 cashback when you refinance an existing home loan of $250,000. Must apply by 31 August 2022 and settle by 31 October 2022. |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
5.77% (3.78%*) |
|
|
5.97% (4.04%*) |
|
|
6.07% (4.31%*) |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
3.12% p.a. |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$390.00 yearly |
|
|
$300.00 |
|
$150,000 |
|
|
$7,500,000 |
|
|
none |
|
|
80.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $10,000 p.a. |
|
|
no |
|
|
no |
|
|
none |
|
|
yes |
|
|
no |
|
|
none |
|
|
none |
|
|
Receive $3,288 cashback when you refinance an existing home loan of $250,000. Must apply by 31 August 2022 and settle by 31 October 2022. |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
5.77% (3.69%*) |
|
|
5.97% (3.96%*) |
|
|
6.07% (4.23%*) |
|
|
n/a |
|
|
6.17% (4.74%*) |
|
|
n/a |
|
|
n/a |
|
|
3.02% p.a. |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$390.00 yearly |
|
|
$300.00 |
|
$150,000 |
|
|
$7,500,000 |
|
|
none |
|
|
80.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $10,000 p.a. |
|
|
no |
|
|
no |
|
|
none |
|
|
yes |
|
|
no |
|
|
none |
|
|
none |
|
|
Receive $3,288 cashback when you refinance an existing home loan of $250,000. Must apply by 31 August 2022 and settle by 31 October 2022. |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
5.87% (3.74%*) |
|
|
6.07% (4.02%*) |
|
|
6.17% (4.30%*) |
|
|
n/a |
|
|
6.27% (4.81%*) |
|
|
n/a |
|
|
n/a |
|
|
3.07% p.a. |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$390.00 yearly |
|
|
$300.00 |
|
$150,000 |
|
|
$7,500,000 |
|
|
80.00% |
|
|
90.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $10,000 p.a. |
|
|
no |
|
|
no |
|
|
none |
|
|
yes |
|
|
no |
|
|
none |
|
|
none |
|
|
Receive $3,288 cashback when you refinance an existing home loan of $250,000. Must apply by 31 August 2022 and settle by 31 October 2022. |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
5.77% (3.91%*) |
|
|
5.97% (4.16%*) |
|
|
6.07% (4.42%*) |
|
|
n/a |
|
|
6.17% (4.89%*) |
|
|
n/a |
|
|
n/a |
|
|
3.27% p.a. |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$390.00 yearly |
|
|
$300.00 |
|
$150,000 |
|
|
$7,500,000 |
|
|
none |
|
|
80.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $10,000 p.a. |
|
|
no |
|
|
no |
|
|
none |
|
|
yes |
|
|
no |
|
|
none |
|
|
none |
|
|
Receive $3,288 cashback when you refinance an existing home loan of $250,000. Must apply by 31 August 2022 and settle by 31 October 2022. |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
5.87% (3.96%*) |
|
|
6.07% (4.22%*) |
|
|
6.17% (4.48%*) |
|
|
n/a |
|
|
6.27% (4.96%*) |
|
|
n/a |
|
|
n/a |
|
|
3.32% p.a. |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$390.00 yearly |
|
|
$300.00 |
|
$150,000 |
|
|
$7,500,000 |
|
|
80.00% |
|
|
90.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free up to $10,000 p.a. |
|
|
no |
|
|
no |
|
|
none |
|
|
yes |
|
|
no |
|
|
none |
|
|
none |
|
|
Receive $3,288 cashback when you refinance an existing home loan of $250,000. Must apply by 31 August 2022 and settle by 31 October 2022. |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
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