HSBC home loans

3.3
Based on 143 HSBC home loan product reviews.
Fact Checked
Last updated

About HSBC home loans

HSBC offers a range of home loans in Australia, starting with the Home Value Loan (Variable) for those looking for a simple option with a compelling interest rate. There’s also the Standard Variable Rate Home Loan which adds an offset account, and the Fixed Rate Home Loan if you want to limit your vulnerability to potential rate rises.

Last updated 4 April 2025 Important disclosures and comparison rate warning*
What are your home loan needs?
Loan purpose
Buying or Refinancing
  • Fixed Rate Home Loan

    • Fixed rate
    • Owner occupier
    • Principal & Interest
    • 40% min deposit
    Interest rate
    5.49 % p.a.
    Fixed 2 years
    Comparison rate
    6.18 % p.a.
    Initial monthly repayment
    $2,836
    No Partner link
  • Fixed Rate Home Loan

    • Fixed rate
    • Investor
    • Principal & Interest
    • 40% min deposit
    Interest rate
    5.64 % p.a.
    Fixed 2 years
    Comparison rate
    6.37 % p.a.
    Initial monthly repayment
    $2,883
    No Partner link
  • Discounted Home Value Loan

    • Owner occupier
    • Principal & Interest
    • 40% min deposit
    • Redraw available
    Interest rate
    5.74 % p.a.
    Variable
    Comparison rate
    5.75 % p.a.
    Initial monthly repayment
    $2,915
    No Partner link
  • Standard Variable Rate Home Loan

    • Owner occupier
    • Principal & Interest
    • 40% min deposit
    • Offset available
    • Redraw available
    Interest rate
    5.89 % p.a.
    Variable
    Comparison rate
    6.26 % p.a.
    Initial monthly repayment
    $2,962
    No Partner link
  • Discounted Home Value Loan

    • Investor
    • Principal & Interest
    • 40% min deposit
    • Redraw available
    Interest rate
    5.94 % p.a.
    Variable
    Comparison rate
    5.95 % p.a.
    Initial monthly repayment
    $2,978
    No Partner link
  • Home Smart Loan (Owner Occupier, <80% LVR

    • Owner occupier
    • Principal & Interest
    • 20% min deposit
    • Redraw available
    Interest rate
    5.99 % p.a.
    Variable
    Comparison rate
    6.36 % p.a.
    Initial monthly repayment
    $2,995
    No Partner link
  • Standard Variable Rate Home Loan

    • Investor
    • Principal & Interest
    • 40% min deposit
    • Offset available
    • Redraw available
    Interest rate
    6.09 % p.a.
    Variable
    Comparison rate
    6.46 % p.a.
    Initial monthly repayment
    $3,027
    No Partner link
  • Home Smart Loan

    • Investor
    • Principal & Interest
    • 20% min deposit
    • Redraw available
    Interest rate
    6.19 % p.a.
    Variable
    Comparison rate
    6.56 % p.a.
    Initial monthly repayment
    $3,059
    No Partner link
  • Home Smart Loan

    • Owner occupier
    • Principal & Interest
    • 10% min deposit
    • Redraw available
    Interest rate
    6.29 % p.a.
    Variable
    Comparison rate
    6.66 % p.a.
    Initial monthly repayment
    $3,092
    No Partner link
  • Fixed Rate Home Loan

    • Fixed rate
    • Owner occupier
    • Principal & Interest
    • 20% min deposit
    Interest rate
    6.29 % p.a.
    Fixed 2 years
    Comparison rate
    7.16 % p.a.
    Initial monthly repayment
    $3,092
    No Partner link

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HSBC home loan ratings

Overall customer rating for HSBC home loans

3.3
Based on 143 product reviews.

Customer reviews

Important disclosures

HSBC products

HSBC home loans: FAQs

Who owns HSBC Australia?

HSBC Australia is a subsidiary of international bank HSBC. It began operating in Australia in 1965, and was awarded a commercial licence in 1986. HSBC now has a small number of branches and offices in Sydney, Melbourne, Brisbane and Perth.

How much money can I borrow from HSBC Australia?

HSBC’s home loans allow you to borrow anywhere from $50,000 up to $15 million, subject to approval.

Do HSBC home loans come with an offset account?

If you’re looking for a HSBC home loan with an offset account, it’s available with the bank’s Standard Variable Rate Home Loan.

Does HSBC offer repayment holidays?

If you’re experiencing financial hardship, HSBC can work with you to offer some relief. One option available to you is a home loan repayment holiday, which is when your lender temporarily pauses payments on your mortgage.

Does HSBC offer split home loans?

A split home loan is when your loan is separated into two portions – one with a fixed interest rate and the other with a variable interest rate.

HSBC does offer split home loans, so speak to your home loan representative if it’s something you’re interested in.

Home loan quick links


* 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.

** Initial monthly repayment figures are estimates only, based on the advertised rate. You can change the loan amount and term in the input boxes at the top of this table. Rates, fees and charges and therefore the total cost of the loan may vary depending on your loan amount, loan term, and credit history. Actual repayments will depend on your individual circumstances and interest rate changes.

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