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 |
The HSBC Fixed Rate Home Loan hits the ground running with interest rates for owner-occupiers starting as low 5.79% p.a. (6.37% 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. And on top of all this, HSBC is currently offering a cashback offer for refinancers of up to $3,288!
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 5.79% p.a. (6.37% 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.
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.
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.
n/a |
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n/a |
|
n/a |
|
n/a |
|
5.79% (6.43%*) |
|
5.79% (6.40%*) |
|
5.79% (6.37%*) |
|
5.69% (6.31%*) |
|
5.79% (6.33%*) |
|
n/a |
|
n/a |
|
6.09% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$390.00 yearly |
|
$300.00 |
$150,000 |
|
$7,500,000 |
|
none |
|
60.00% |
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.
n/a |
|
n/a |
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n/a |
|
n/a |
|
5.79% (6.51%*) |
|
5.79% (6.48%*) |
|
5.79% (6.44%*) |
|
5.69% (6.37%*) |
|
5.79% (6.38%*) |
|
n/a |
|
n/a |
|
6.19% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$390.00 yearly |
|
$300.00 |
$150,000 |
|
$7,500,000 |
|
60.00% |
|
80.00% |
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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.09% (6.81%*) |
|
6.09% (6.77%*) |
|
6.09% (6.81%*) |
|
5.99% (6.67%*) |
|
6.09% (6.68%*) |
|
n/a |
|
n/a |
|
6.49% 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 |
|
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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.19% (6.46%*) |
|
6.19% (6.46%*) |
|
6.19% (6.47%*) |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.09% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$390.00 yearly |
|
$300.00 |
$150,000 |
|
$7,500,000 |
|
none |
|
60.00% |
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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.19% (6.55%*) |
|
6.19% (6.54%*) |
|
6.19% (6.54%*) |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.19% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$390.00 yearly |
|
$300.00 |
$150,000 |
|
$7,500,000 |
|
60.00% |
|
80.00% |
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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
5.99% (6.61%*) |
|
5.99% (6.58%*) |
|
5.99% (6.56%*) |
|
5.89% (6.50%*) |
|
5.99% (6.51%*) |
|
n/a |
|
n/a |
|
6.29% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$390.00 yearly |
|
$300.00 |
$150,000 |
|
$7,500,000 |
|
none |
|
60.00% |
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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
5.99% (6.70%*) |
|
5.99% (6.66%*) |
|
5.99% (6.63%*) |
|
5.89% (6.56%*) |
|
5.99% (6.57%*) |
|
n/a |
|
n/a |
|
6.39% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$390.00 yearly |
|
$300.00 |
$150,000 |
|
$7,500,000 |
|
60.00% |
|
80.00% |
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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.29% (6.99%*) |
|
6.29% (6.96%*) |
|
6.29% (6.92%*) |
|
6.19% (6.85%*) |
|
6.29% (6.86%*) |
|
n/a |
|
n/a |
|
6.69% 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 |
|
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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.19% (6.63%*) |
|
6.19% (6.62%*) |
|
6.19% (6.61%*) |
|
6.09% (6.57%*) |
|
6.19% (6.60%*) |
|
n/a |
|
n/a |
|
6.29% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$390.00 yearly |
|
$300.00 |
$150,000 |
|
$7,500,000 |
|
none |
|
60.00% |
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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.19% (6.72%*) |
|
6.19% (6.70%*) |
|
6.19% (6.68%*) |
|
6.09% (6.63%*) |
|
6.19% (6.65%*) |
|
n/a |
|
n/a |
|
6.39% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$390.00 yearly |
|
$300.00 |
$150,000 |
|
$7,500,000 |
|
60.00% |
|
80.00% |
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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.49% (7.01%*) |
|
6.49% (7.00%*) |
|
6.49% (6.98%*) |
|
6.39% (6.92%*) |
|
6.49% (6.95%*) |
|
n/a |
|
n/a |
|
6.69% 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 |
|
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.
Happy with HSBC.
Read full reviewHome Value Loan
5.99% p.a.
5.99% p.a.
$0.00
Fixed Rate Loan (with Orange Advantage)
5.99% p.a.
fixed 3 years
6.12% p.a.
Fixed Rate
6.59% p.a.
fixed 3 years
7.06% 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.