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HSBC Fixed Rate Home Loan

Advertiser disclosure
The details shown below are for an owner occupier taking out a principal & interest loan between $50,000 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 $50,000 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 $50,000 and $7,500,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan between $50,000 and $7,500,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan between $50,000 and $7,500,000 with an LVR below 90%
The details shown below are for an investor taking out a interest only loan between $50,000 and $7,500,000 with an LVR below 80%
The details shown below are for an investor taking out a interest only loan between $50,000 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% $50,000 $7,500,000
Owner Occupier Principal & Interest 80%-90% $50,000 $7,500,000
Owner Occupier Interest Only < 80% $50,000 $7,500,000
Investor Principal & Interest < 80% $50,000 $7,500,000
Investor Principal & Interest 80%-90% $50,000 $7,500,000
Investor Interest Only < 80% $50,000 $7,500,000
Investor Interest Only 80%-90% $50,000 $7,500,000
  • Owner Occupier (Principal & Interest)
    LVR < 80%
    Loan: $50,000 $7,500,000
  • Owner Occupier (Principal & Interest)
    LVR 80%-90%
    Loan: $50,000 $7,500,000
  • Owner Occupier (Interest Only)
    LVR < 80%
    Loan: $50,000 $7,500,000
  • Investor (Principal & Interest)
    LVR < 80%
    Loan: $50,000 $7,500,000
  • Investor (Principal & Interest)
    LVR 80%-90%
    Loan: $50,000 $7,500,000
  • Investor (Interest Only)
    LVR < 80%
    Loan: $50,000 $7,500,000
  • Investor (Interest Only)
    LVR 80%-90%
    Loan: $50,000 $7,500,000
Fixed 3 year rate
6.39% p.a.
Comparison Rate
7.24% p.a.
Service fee
$0.00
Upfront fee
$750
Fixed 3 year rate
6.69% p.a.
Comparison Rate
7.54% p.a.
Service fee
$0.00
Upfront fee
$750
Fixed 3 year rate
6.79% p.a.
Comparison Rate
7.36% p.a.
Service fee
$0.00
Upfront fee
$750
Fixed 3 year rate
6.59% p.a.
Comparison Rate
7.44% p.a.
Service fee
$0.00
Upfront fee
$750
Fixed 3 year rate
6.89% p.a.
Comparison Rate
7.73% p.a.
Service fee
$0.00
Upfront fee
$750
Fixed 3 year rate
6.79% p.a.
Comparison Rate
7.50% p.a.
Service fee
$0.00
Upfront fee
$750
Fixed 3 year rate
7.09% p.a.
Comparison Rate
7.79% p.a.
Service fee
$0.00
Upfront fee
$750

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

binocular icon
What's hot
  • 4 year fixed rate of 6.39% (7.15% comparison rate*)
  • Zero upfront or ongoing fees
What's not
  • $300 discharge fee
Mozo snapshot

Love the idea of the repayment certainty you can only get by locking in your rate with a fixed rate home loan? Well you’ll certainly want to meet the Fixed Rate Home Loan from HSBC which features fixed rates from 6.39% p.a. (7.15% p.a. comparison rate*) as well as zero upfront or ongoing fees.

key icon
Key features

The HSBC Fixed Rate Home Loan comes with a number of fixed rates depending on the period you’re wanting to fix your loan over (1, 2, 3, 4 or 5 years), the way you want to make your repayments (principal and interest or interest-only) and the type of borrower you are (owner occupier or investor). 

All borrowers will be able to take out a loan between $50,000 and $7,500,000, but the lowest rates currently available for owner occupiers and investors are: 

  • 6.39% (7.15% comparison rate*): 4-year fixed rate for owner occupiers making principal and interest repayments with a loan-to-value ratio below 80%
  • 6.59% (7.35% comparison rate*): 4-year fixed rate for investors making principal and interest repayments with a loan-to-value ratio below 80%

Borrowers will be able to make their repayments on a weekly, fortnightly or monthly schedule and they can even make extra repayments towards the loan (up to $10,000 per year for free) if they’re looking to pay it off faster. 

When it comes to other costs, HSBC Fixed Rate Home Loan borrowers won’t need to worry about any upfront fees (such as application, legal, settlement or valuations fees) or any ongoing fees. The only fee to budget for is the $300 discharge fee.

Like most fixed rate home loans, there’s no offset account attached to HSBC’s offer, but you will be able to take advantage of the split rate feature by combining it with one of HBCS’s variable rate home loans.

snapshot
Who is it good for

With its lack of upfront and ongoing fees and fixed rate offers from 6.39% p.a. (7.15% p.a. comparison rate*) depending on the fixed period, the HSBC Fixed Rate Home Loan could be an option for any borrower looking for some temporary repayment certainty. 

question icon
Any catches

Like all fixed rate loans, you’ll just need to remember that the fixed interest rate will revert to the variable rate after the term is completed.

Details

Rates and fees information correct as at 22 June 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% (7.45%*)

6.39% (7.34%*)

6.39% (7.24%*)

6.39% (7.15%*)

6.39% (7.07%*)

n/a

n/a

7.51% p.a.

Fees

$600.00

$0.00

$0.00

$150.00

n/a

$0.00

$300.00

Other financial bits

$50,000

$7,500,000

none

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 22 June 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% (7.75%*)

6.69% (7.64%*)

6.69% (7.54%*)

6.69% (7.45%*)

6.69% (7.36%*)

n/a

n/a

7.81% p.a.

Fees

$600.00

$0.00

$0.00

$150.00

n/a

$0.00

$300.00

Other financial bits

$50,000

$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 22 June 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

6.79% (7.49%*)

6.79% (7.42%*)

6.79% (7.36%*)

n/a

n/a

n/a

n/a

7.51% p.a.

Fees

$600.00

$0.00

$0.00

$150.00

n/a

$0.00

$300.00

Other financial bits

$50,000

$7,500,000

none

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 22 June 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

6.59% (7.65%*)

6.59% (7.54%*)

6.59% (7.44%*)

6.59% (7.35%*)

6.59% (7.26%*)

n/a

n/a

7.71% p.a.

Fees

$600.00

$0.00

$0.00

$150.00

n/a

$0.00

$300.00

Other financial bits

$50,000

$7,500,000

none

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 22 June 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

6.89% (7.95%*)

6.89% (7.84%*)

6.89% (7.73%*)

6.89% (7.64%*)

6.89% (7.56%*)

n/a

n/a

8.01% p.a.

Fees

$600.00

$0.00

$0.00

$150.00

n/a

$0.00

$300.00

Other financial bits

$50,000

$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 22 June 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

6.79% (7.67%*)

6.79% (7.58%*)

6.79% (7.50%*)

6.79% (7.42%*)

6.79% (7.35%*)

n/a

n/a

7.71% p.a.

Fees

$600.00

$0.00

$0.00

$150.00

n/a

$0.00

$300.00

Other financial bits

$50,000

$7,500,000

none

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 22 June 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

7.09% (7.97%*)

7.09% (7.88%*)

7.09% (7.79%*)

7.09% (7.72%*)

7.09% (7.65%*)

n/a

n/a

8.01% p.a.

Fees

$600.00

$0.00

$0.00

$150.00

n/a

$0.00

$300.00

Other financial bits

$50,000

$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 139 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 reviews of HSBC Fixed Rate Home Loan

About HSBC

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HSBC

Home Value Loan

5.99% p.a.

5.99% p.a.

$0.00

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Variable

5.99% p.a. variable

5.90% p.a.

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Macquarie

Basic Home Loan (Fixed)

6.25% p.a.
fixed 3 years

6.20% p.a.

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loans.com.au

Variable Home Loan 90

6.04% p.a. variable

6.06% p.a.

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Police Credit Union

The Better Home Loan (Special Offer)

6.14% p.a. variable

6.14% p.a.

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Heritage Bank

Discount Variable Home Loan

5.99% p.a. variable

6.01% p.a.

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HSBC

Home Value Loan

6.09% p.a. variable

6.09% p.a.

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Unloan

Variable

6.29% p.a. variable

6.20% p.a.

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ANZ

Fixed Rate

6.59% p.a.
fixed 3 years

7.06% 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 Unloan
Unloan

Variable

6.29% p.a. variable

6.20% p.a.

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ubank

Flex Home Loan

6.24% p.a. variable

6.48% p.a.

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Heritage Bank

Discount Variable Home Loan

5.99% p.a. variable

6.01% p.a.

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Aussie

Elevate

6.09% p.a. variable

6.20% p.a.

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Police Credit Union

The Better Home Loan (Special Offer)

6.14% p.a. variable

6.14% p.a.

Thumbnail icon for ING
ING

Fixed Rate Loan (with Orange Advantage)

5.99% p.a.
fixed 3 years

6.12% 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 loans.com.au
loans.com.au

Variable Home Loan 90

6.04% p.a.

6.06% p.a.

Thumbnail icon for Police Credit Union
Police Credit Union

The Better Home Loan (Special Offer)

6.14% p.a.

6.14% p.a.

Thumbnail icon for Heritage Bank
Heritage Bank

Discount Variable Home Loan

5.99% p.a.

6.01% 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 Bendigo Bank
Bendigo Bank

Express Home Loan (Fixed)

6.04% p.a.
fixed 3 years

6.15% 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 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.

Thumbnail icon for ING
ING

Fixed Rate Loan (with Orange Advantage)

5.99% p.a.
fixed 3 years

6.12% 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 Bendigo Bank
Bendigo Bank

Express Home Loan (Fixed)

6.54% p.a.
fixed 3 years

6.38% p.a.

Thumbnail icon for ANZ
ANZ

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.

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