HSBC logo

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 owner occupier taking out a interest only loan between $50,000 and $7,500,000 with an LVR below 90%

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

  • 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

  • Owner Occupier (Interest Only)

    LVR 80%-90%

    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
2.29% p.a.
Comparison Rate
3.00% p.a.
Service fee
$0.00
Upfront fee
$0
Go to site
Fixed 3 year rate
2.50% p.a.
Comparison Rate
3.11% p.a.
Service fee
$0.00
Upfront fee
$0
Fixed 3 year rate
2.85% p.a.
Comparison Rate
3.31% p.a.
Service fee
$0.00
Upfront fee
$0
Fixed 3 year rate
3.00% p.a.
Comparison Rate
3.46% p.a.
Service fee
$0.00
Upfront fee
$0
Fixed 3 year rate
2.49% p.a.
Comparison Rate
3.23% p.a.
Service fee
$0.00
Upfront fee
$0
Fixed 3 year rate
3.00% p.a.
Comparison Rate
3.49% p.a.
Service fee
$0.00
Upfront fee
$870
Fixed 3 year rate
2.69% p.a.
Comparison Rate
3.47% p.a.
Service fee
$0.00
Upfront fee
$0
Fixed 3 year rate
3.20% p.a.
Comparison Rate
3.72% p.a.
Service fee
$0.00
Upfront fee
$870

Mozo editorial review HSBC Fixed Rate Home Loan

Last updated: 30 April 2021.

binocular icon
What's hot
  • Cashback offer for refinancers (conditions apply)
  • Low 2 year fixed rate of 2.09% (3.03% 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 seriously low fixed rates from 2.09% (3.03% comparison rate*) as well as zero upfront or ongoing fees.

Plus, if you're refinancing from another bank or lender, you may even eligible for up to $3,288 cashback! (Must apply by 31 May 2021 and settle before 31 July 2021).

key icon
Key features

The HSBC Fixed Rate Home Loan comes with a number of low fixed rates depending on the period you’re wanting to fix your loan over (1, 2, 3 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: 

  • 2.09% (3.03% comparison rate*): 2-year fixed rate for owner occupiers making principal and interest repayments with a loan-to-value ratio below 80%
  • 2.39% (3.34% comparison rate*): 2-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. 

On top of low rates, HSBC is also currently offering up to $3,288 to new customers refinancing from another lender. To be eligible for this cashback offer you will have to be a new customer, apply for the home loan by 31 May 2021 and settle by 31 July 2021. Offer is only available for refinance loans of at least $250,000. If you are eligible, the cashback will be credited to your HSBC Transaction or Home Loan account within 60 days of settling.

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 some killer fixed rate offers from as low as 2.09% (3.03% comparison rate*) depending on the fixed period, the HSBC Fixed Rate Home Loan could be a seriously competitive 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 low fixed interest rate will revert to a much higher rate once the fixed rate period is over. For example, the 2 year fixed rate of 2.09% (3.03% comparison rate*) for owner occupiers will revert to 3.16% once that two years is over. 

Details

Rates and fees information correct as at 14 May 2021. 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

  • 2.25% (3.13%*)

  • 2.09% (3.03%*)

  • 2.29% (3.00%*)

  • n/a

  • 2.70% (3.03%*)

  • n/a

  • n/a

  • 3.16% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • 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

  • Receive $3,288 when you refinance a minimum of $250k for applications from 15 Feb to 31 May 2021, settled by 31 July 2021.

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 14 May 2021. 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

  • 2.40% (3.24%*)

  • 2.40% (3.16%*)

  • 2.50% (3.11%*)

  • n/a

  • 2.85% (3.14%*)

  • n/a

  • n/a

  • 3.31% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • 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

  • Receive $3,288 when you refinance a minimum of $250k for applications from 15 Feb to 31 May 2021, settled by 31 July 2021.

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 14 May 2021. 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

  • 2.75% (3.40%*)

  • 2.75% (3.34%*)

  • 2.85% (3.31%*)

  • n/a

  • n/a

  • n/a

  • n/a

  • 3.46% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • 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

  • Receive $3,288 when you refinance a minimum of $250k for applications from 15 Feb to 31 May 2021, settled by 31 July 2021.

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 14 May 2021. 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

  • 2.90% (3.55%*)

  • 2.90% (3.49%*)

  • 3.00% (3.46%*)

  • n/a

  • n/a

  • n/a

  • n/a

  • 3.61% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • 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

  • Receive $3,288 when you refinance a minimum of $250k for applications from 15 Feb to 31 May 2021, settled by 31 July 2021.

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 14 May 2021. 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

  • 2.49% (3.39%*)

  • 2.39% (3.29%*)

  • 2.49% (3.23%*)

  • n/a

  • 2.79% (3.21%*)

  • n/a

  • n/a

  • 3.47% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • 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

  • Receive $3,288 when you refinance a minimum of $250k for applications from 15 Feb to 31 May 2021, settled by 31 July 2021.

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 14 May 2021. 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

  • 2.90% (3.57%*)

  • 2.90% (3.51%*)

  • 3.00% (3.49%*)

  • n/a

  • 3.35% (3.54%*)

  • n/a

  • n/a

  • 3.57% p.a.

Fees
  • $600.00

  • $0.00

  • $120.00

  • $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

  • Receive $3,288 when you refinance a minimum of $250k for applications from 15 Feb to 31 May 2021, settled by 31 July 2021.

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 14 May 2021. 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

  • 2.69% (3.63%*)

  • 2.59% (3.53%*)

  • 2.69% (3.47%*)

  • n/a

  • 2.99% (3.44%*)

  • n/a

  • n/a

  • 3.72% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • 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

  • Receive $3,288 when you refinance a minimum of $250k for applications from 15 Feb to 31 May 2021, settled by 31 July 2021.

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 14 May 2021. 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

  • 3.10% (3.82%*)

  • 3.10% (3.75%*)

  • 3.20% (3.72%*)

  • n/a

  • 3.55% (3.77%*)

  • n/a

  • n/a

  • 3.82% p.a.

Fees
  • $600.00

  • $0.00

  • $120.00

  • $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

  • Receive $3,288 when you refinance a minimum of $250k for applications from 15 Feb to 31 May 2021, settled by 31 July 2021.

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
6.9/10

Based on 127 HSBC home loan reviews

Price
6.7/10
Features
6.5/10
Customer service
6.8/10
Convenience
6.2/10
Trust
7.0/10

Latest reviews of HSBC Fixed Rate Home Loan

Thumbnail icon for HSBC

About HSBC

HSBC in Australia is part of the HSBC Group, one of the world's largest banking and financial services organisations. HSBC has products for every money need you can think of, including savings accounts and term deposits for your day-to-day money management, a suite of home loans to finance your dream home, plus credit card and personal loan options. With branches all over the world, HSBC is the world's local bank!

See HSBC home loans

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2.44% p.a.

2.45% p.a.

$0.00

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p.a.

2.86% p.a.

$390.00 yearly

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2.47% p.a.

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UHomeLoan (Fixed)

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fixed 3 years

2.24% p.a.

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AcceleRATES Variable Home Loan

1.99% p.a. variable

1.99% p.a.

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Basic Home Loan (Fixed)

2.09% p.a.
fixed 3 years

2.43% p.a.

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Variable Home Loan Special

2.09% p.a. variable

2.12% p.a.

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Well Balanced

2.17% p.a. variable

2.20% p.a.

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Bank of Queensland

Fixed Rate

1.94% p.a.
fixed 3 years

2.97% p.a.

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Newcastle Permanent

Fixed Rate Home Loan (Premium Plus Package)

1.98% p.a.
fixed 3 years

3.56% p.a.

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Smart Booster Home Loan

1.99% p.a.variable for 12 months and then 2.48% p.a. variable

2.47% p.a.

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UBank

UHomeLoan (Fixed)

1.85% p.a.
fixed 3 years

2.24% p.a.

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Athena

AcceleRATES Variable Home Loan

1.99% p.a. variable

1.99% p.a.

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Macquarie

Basic Home Loan (Fixed)

2.19% p.a.
fixed 3 years

2.53% p.a.

Thumbnail icon for ING

ING

Fixed Rate Loan (with Orange Advantage)

2.04% p.a.
fixed 3 years

3.60% p.a.

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Suncorp

Fixed Home Loan (Home Package Plus)

1.99% p.a.
fixed 3 years

2.83% p.a.

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UBank

UHomeLoan - Discount Offer

2.34% p.a. variable

2.34% p.a.

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Athena

AcceleRATES Variable Home Loan

2.19% p.a. variable

2.08% p.a.

Thumbnail icon for loans.com.au

loans.com.au

Smart Booster Home Loan

1.99% p.a.variable for 12 months and then 2.48% p.a.

2.47% p.a.

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UBank

UHomeLoan - Discount Offer

2.34% p.a.

2.34% p.a.

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Athena

AcceleRATES Variable Home Loan

1.99% p.a.

1.99% p.a.

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Macquarie

Basic Home Loan

2.49% p.a.

2.49% p.a.

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ING

Fixed Rate Loan (with Orange Advantage)

p.a.

3.60% p.a.

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86 400

Neat Home Loan

2.19% p.a.

2.20% p.a.

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HSBC

Home Value Loan

2.44% p.a.

2.45% p.a.

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Bluestone

Prime Home Loan

2.44% p.a.

2.49% p.a.

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loans.com.au

Fixed Home Loan

1.99% p.a.
fixed 3 years

2.70% p.a.

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UBank

UHomeLoan (Fixed)

1.85% p.a.
fixed 3 years

2.24% p.a.

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Macquarie

Basic Home Loan (Fixed)

2.09% p.a.
fixed 3 years

2.43% p.a.

Thumbnail icon for Bank of Queensland

Bank of Queensland

Fixed Rate

1.94% p.a.
fixed 3 years

2.97% p.a.

Thumbnail icon for Well Home Loans

Well Home Loans

Well Balanced Fixed

2.04% p.a.
fixed 3 years

2.17% p.a.

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ING

Fixed Rate Loan (with Orange Advantage)

2.04% p.a.
fixed 3 years

3.60% p.a.

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Newcastle Permanent

Fixed Rate Home Loan (Premium Plus Package)

1.98% p.a.
fixed 3 years

3.56% p.a.

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Macquarie

Basic Home Loan (Fixed)

2.19% p.a.
fixed 3 years

2.53% 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.