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HSBC Fixed Rate Home Loan (Home Loan Package)

Advertiser disclosure
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 60%
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 60%
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 60%
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 60%
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 < 60% $150,000 $7,500,000
Owner Occupier Principal & Interest 60%-80% $150,000 $7,500,000
Owner Occupier Principal & Interest 80%-90% $150,000 $7,500,000
Owner Occupier Interest Only < 60% $150,000 $7,500,000
Owner Occupier Interest Only 60%-80% $150,000 $7,500,000
Investor Principal & Interest < 60% $150,000 $7,500,000
Investor Principal & Interest 60%-80% $150,000 $7,500,000
Investor Principal & Interest 80%-90% $150,000 $7,500,000
Investor Interest Only < 60% $150,000 $7,500,000
Investor Interest Only 60%-80% $150,000 $7,500,000
Investor Interest Only 80%-90% $150,000 $7,500,000
  • Owner Occupier (Principal & Interest)
    LVR < 60%
    Loan: $150,000 $7,500,000
  • Owner Occupier (Principal & Interest)
    LVR 60%-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 < 60%
    Loan: $150,000 $7,500,000
  • Owner Occupier (Interest Only)
    LVR 60%-80%
    Loan: $150,000 $7,500,000
  • Investor (Principal & Interest)
    LVR < 60%
    Loan: $150,000 $7,500,000
  • Investor (Principal & Interest)
    LVR 60%-80%
    Loan: $150,000 $7,500,000
  • Investor (Principal & Interest)
    LVR 80%-90%
    Loan: $150,000 $7,500,000
  • Investor (Interest Only)
    LVR < 60%
    Loan: $150,000 $7,500,000
  • Investor (Interest Only)
    LVR 60%-80%
    Loan: $150,000 $7,500,000
  • Investor (Interest Only)
    LVR 80%-90%
    Loan: $150,000 $7,500,000
Fixed 3 year rate
5.99% p.a.
Comparison Rate
6.43% p.a.
Service fee
$390.00 yearly
Upfront fee
$0
Fixed 3 year rate
5.99% p.a.
Comparison Rate
6.50% p.a.
Service fee
$390.00 yearly
Upfront fee
$0
Fixed 3 year rate
6.29% p.a.
Comparison Rate
6.79% p.a.
Service fee
$390.00 yearly
Upfront fee
$0
Fixed 3 year rate
6.39% p.a.
Comparison Rate
6.52% p.a.
Service fee
$390.00 yearly
Upfront fee
$0
Fixed 3 year rate
6.39% p.a.
Comparison Rate
6.59% p.a.
Service fee
$390.00 yearly
Upfront fee
$0
Fixed 3 year rate
6.19% p.a.
Comparison Rate
6.61% p.a.
Service fee
$390.00 yearly
Upfront fee
$0
Fixed 3 year rate
6.19% p.a.
Comparison Rate
6.68% p.a.
Service fee
$390.00 yearly
Upfront fee
$0
Fixed 3 year rate
6.49% p.a.
Comparison Rate
6.98% p.a.
Service fee
$390.00 yearly
Upfront fee
$0
Fixed 3 year rate
6.39% p.a.
Comparison Rate
6.67% p.a.
Service fee
$390.00 yearly
Upfront fee
$0
Fixed 3 year rate
6.39% p.a.
Comparison Rate
6.74% p.a.
Service fee
$390.00 yearly
Upfront fee
$0
Fixed 3 year rate
6.69% p.a.
Comparison Rate
7.04% p.a.
Service fee
$390.00 yearly
Upfront fee
$0

Mozo editorial review HSBC Fixed Rate Home Loan (Home Loan Package) - last updated: 13 May 2024

binocular icon
What's hot
  • Rates from 5.99% p.a. for a three year term (6.43% p.a. comparison rate*)
  • Cashback offer for refinancers (conditions apply)
What's not
  • No offset account or redraw facility
Mozo snapshot

The HSBC Fixed Rate Home Loan hits the ground running with interest rates for owner-occupiers starting as low 5.99% p.a. (6.43% p.a. comparison rate*) for a 3-year term with a loan to deposit ratio less than 60%. This home loan also comes with the ability to make free extra repayments, up to $10,000 per year. 

key icon
Key features

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 5.99% p.a. (6.43% p.a. comparison rate*) for a 3 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.

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 Cathay Pacific 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.


snapshot
Who is it good for

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 $150,000 and you will also need at least a 10% deposit.  

question icon
Any catches

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, starting at 6.09% p.a., so make sure that you shop around to make sure that it is a competitive rate compared to other home loans in the market. 


Details

Rates and fees information correct as at 16 July 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

5.99% (6.45%*)

5.99% (6.44%*)

5.99% (6.43%*)

5.99% (6.42%*)

5.99% (6.41%*)

n/a

n/a

6.09% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$390.00 yearly

$300.00

Other financial bits

$150,000

$7,500,000

none

60.00%

Features

Weekly, Fortnightly, Monthly

yes - free up to $10,000 p.a.

no

no

none

yes

no

none

none

none

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.

Details

Rates and fees information correct as at 16 July 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

5.99% (6.53%*)

5.99% (6.52%*)

5.99% (6.50%*)

5.99% (6.48%*)

5.99% (6.47%*)

n/a

n/a

6.19% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$390.00 yearly

$300.00

Other financial bits

$150,000

$7,500,000

60.00%

80.00%

Features

Weekly, Fortnightly, Monthly

yes - free up to $10,000 p.a.

no

no

none

yes

no

none

none

none

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.

Details

Rates and fees information correct as at 16 July 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

6.29% (6.83%*)

6.29% (6.81%*)

6.29% (6.79%*)

6.29% (6.78%*)

6.29% (6.76%*)

n/a

n/a

6.49% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$390.00 yearly

$300.00

Other financial bits

$150,000

$7,500,000

80.00%

90.00%

Features

Weekly, Fortnightly, Monthly

yes - free up to $10,000 p.a.

no

no

none

yes

no

none

none

none

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.

Details

Rates and fees information correct as at 16 July 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

6.39% (6.48%*)

6.39% (6.50%*)

6.39% (6.52%*)

n/a

n/a

n/a

n/a

6.09% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$390.00 yearly

$300.00

Other financial bits

$150,000

$7,500,000

none

60.00%

Features

Weekly, Fortnightly, Monthly

yes - free up to $10,000 p.a.

no

no

none

yes

no

none

none

none

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.

Details

Rates and fees information correct as at 16 July 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

6.39% (6.57%*)

6.39% (6.58%*)

6.39% (6.59%*)

n/a

n/a

n/a

n/a

6.19% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$390.00 yearly

$300.00

Other financial bits

$150,000

$7,500,000

60.00%

80.00%

Features

Weekly, Fortnightly, Monthly

yes - free up to $10,000 p.a.

no

no

none

yes

no

none

none

none

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.

Details

Rates and fees information correct as at 16 July 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

6.19% (6.63%*)

6.19% (6.62%*)

6.19% (6.61%*)

6.19% (6.60%*)

6.19% (6.60%*)

n/a

n/a

6.29% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$390.00 yearly

$300.00

Other financial bits

$150,000

$7,500,000

none

60.00%

Features

Weekly, Fortnightly, Monthly

yes - free up to $10,000 p.a.

no

no

none

yes

no

none

none

none

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.

Details

Rates and fees information correct as at 16 July 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

6.19% (6.72%*)

6.19% (6.70%*)

6.19% (6.68%*)

6.19% (6.67%*)

6.19% (6.65%*)

n/a

n/a

6.39% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$390.00 yearly

$300.00

Other financial bits

$150,000

$7,500,000

60.00%

80.00%

Features

Weekly, Fortnightly, Monthly

yes - free up to $10,000 p.a.

no

no

none

yes

no

none

none

none

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.

Details

Rates and fees information correct as at 16 July 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

6.49% (7.01%*)

6.49% (7.00%*)

6.49% (6.98%*)

6.49% (6.96%*)

6.49% (6.95%*)

n/a

n/a

6.69% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$390.00 yearly

$300.00

Other financial bits

$150,000

$7,500,000

80.00%

90.00%

Features

Weekly, Fortnightly, Monthly

yes - free up to $10,000 p.a.

no

no

none

yes

no

none

none

none

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.

Details

Rates and fees information correct as at 16 July 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

6.39% (6.65%*)

6.39% (6.66%*)

6.39% (6.67%*)

6.39% (6.68%*)

6.39% (6.69%*)

n/a

n/a

6.29% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$390.00 yearly

$300.00

Other financial bits

$150,000

$7,500,000

none

60.00%

Features

Weekly, Fortnightly, Monthly

yes - free up to $10,000 p.a.

no

no

none

yes

no

none

none

none

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.

Details

Rates and fees information correct as at 16 July 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

6.39% (6.74%*)

6.39% (6.74%*)

6.39% (6.74%*)

6.39% (6.74%*)

6.39% (6.74%*)

n/a

n/a

6.39% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$390.00 yearly

$300.00

Other financial bits

$150,000

$7,500,000

60.00%

80.00%

Features

Weekly, Fortnightly, Monthly

yes - free up to $10,000 p.a.

no

no

none

yes

no

none

none

none

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.

Details

Rates and fees information correct as at 16 July 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

n/a

n/a

n/a

n/a

6.69% (7.04%*)

6.69% (7.04%*)

6.69% (7.04%*)

6.69% (7.04%*)

6.69% (7.04%*)

n/a

n/a

6.69% p.a.

Fees

$0.00

$0.00

$0.00

$0.00

n/a

$390.00 yearly

$300.00

Other financial bits

$150,000

$7,500,000

80.00%

90.00%

Features

Weekly, Fortnightly, Monthly

yes - free up to $10,000 p.a.

no

no

none

yes

no

none

none

none

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.

Customer Reviews

How are HSBC home loans rated by the Mozo community?

Overall
6.5/10
Price
6.7/10
Features
6.4/10
Customer service
6.6/10
Convenience
6.1/10
Trust
6.7/10
Based on 140 HSBC home loan reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

Latest review of HSBC Fixed Rate Home Loan (Home Loan Package)

About HSBC

Thumbnail icon for HSBC
HSBC

Home Value Loan

5.99% p.a.

5.99% p.a.

$0.00

Thumbnail icon for Unloan
Unloan

Variable

5.99% p.a. variable

5.90% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan (Fixed)

6.25% p.a.
fixed 3 years

6.20% p.a.

Thumbnail icon for Greater Bank
Greater Bank

Great Rate Home Loan

6.19% p.a. variable

6.21% p.a.

Thumbnail icon for Police Credit Union
Police Credit Union

Low Rate Home Loan

6.14% p.a. variable

6.20% p.a.

Thumbnail icon for HSBC
HSBC

Home Value Loan

6.09% p.a. variable

6.09% p.a.

Thumbnail icon for Unloan
Unloan

Variable

6.29% p.a. variable

6.20% p.a.

Thumbnail icon for ANZ
ANZ

Fixed Rate

6.59% p.a.
fixed 3 years

7.06% p.a.

Thumbnail icon for South West Slopes Bank
South West Slopes Bank

Fixed Home Loan Rate

5.69% p.a.
fixed 3 years

6.34% p.a.

Thumbnail icon for Unloan
Unloan

Variable

5.99% p.a. variable

5.90% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan

6.14% p.a. variable

6.16% p.a.

Thumbnail icon for Greater Bank
Greater Bank

Great Rate Home Loan

6.19% p.a. variable

6.21% p.a.

Thumbnail icon for Unloan
Unloan

Variable

6.29% p.a. variable

6.20% p.a.

Thumbnail icon for ubank
ubank

Flex Home Loan

6.24% p.a. variable

6.48% p.a.

Thumbnail icon for Aussie
Aussie

Elevate

6.09% p.a. variable

6.20% p.a.

Thumbnail icon for Police Credit Union
Police Credit Union

Low Rate Home Loan

6.14% p.a. variable

6.20% p.a.

Thumbnail icon for South West Slopes Bank
South West Slopes Bank

Fixed Home Loan Rate

5.69% p.a.
fixed 3 years

6.34% p.a.

Thumbnail icon for Unloan
Unloan

Variable

5.99% p.a.

5.90% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan

6.14% p.a.

6.16% p.a.

Thumbnail icon for Greater Bank
Greater Bank

Great Rate Home Loan

6.19% p.a.

6.21% p.a.

Thumbnail icon for Police Credit Union
Police Credit Union

Low Rate Home Loan

6.14% p.a.

6.20% p.a.

Thumbnail icon for Bendigo Bank
Bendigo Bank

Express Home Loan

6.01% p.a.

6.14% p.a.

Thumbnail icon for Aussie
Aussie

Elevate

6.09% p.a.

6.20% p.a.

Thumbnail icon for ING
ING

Mortgage Simplifier

6.14% p.a.

6.17% p.a.

Thumbnail icon for Macquarie
Macquarie

Offset Home Loan (Package)

6.14% p.a.

6.39% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan (Fixed)

6.25% p.a.
fixed 3 years

6.20% p.a.

Thumbnail icon for South West Slopes Bank
South West Slopes Bank

Fixed Home Loan Rate

5.69% p.a.
fixed 3 years

6.34% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan (Fixed)

6.35% p.a.
fixed 3 years

6.26% p.a.

Thumbnail icon for ING
ING

Fixed Rate Loan

6.09% p.a.
fixed 3 years

6.15% p.a.

Thumbnail icon for ANZ
ANZ

Fixed Rate

6.59% p.a.
fixed 3 years

7.06% p.a.

Thumbnail icon for ubank
ubank

Flex Home Loan Fixed

5.99% p.a.
fixed 3 years

6.41% p.a.

Thumbnail icon for Bendigo Bank
Bendigo Bank

Express Home Loan (Fixed)

6.54% p.a.
fixed 3 years

6.38% p.a.

Thumbnail icon for ubank
ubank

Flex Home Loan Fixed

5.99% p.a.
fixed 3 years

6.41% p.a.

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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