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 |
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 6.09% p.a. (7.04% p.a. comparison rate*) as well as zero upfront or ongoing fees.
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:
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.
With its lack of upfront and ongoing fees and fixed rate offers from 6.09% p.a. (7.04% 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.
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.
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.19% (7.43%*) |
|
6.19% (7.30%*) |
|
6.19% (7.18%*) |
|
6.09% (7.04%*) |
|
6.19% (6.98%*) |
|
n/a |
|
n/a |
|
7.51% p.a. |
$600.00 |
|
$0.00 |
|
$0.00 |
|
$150.00 |
|
n/a |
|
$0.00 |
|
$300.00 |
$50,000 |
|
$7,500,000 |
|
none |
|
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% (7.73%*) |
|
6.49% (7.60%*) |
|
6.49% (7.48%*) |
|
6.39% (7.33%*) |
|
6.49% (7.27%*) |
|
n/a |
|
n/a |
|
7.81% p.a. |
$600.00 |
|
$0.00 |
|
$0.00 |
|
$150.00 |
|
n/a |
|
$0.00 |
|
$300.00 |
$50,000 |
|
$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 |
|
6.59% (7.47%*) |
|
6.59% (7.38%*) |
|
6.59% (7.30%*) |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
7.51% p.a. |
$600.00 |
|
$0.00 |
|
$0.00 |
|
$150.00 |
|
n/a |
|
$0.00 |
|
$300.00 |
$50,000 |
|
$7,500,000 |
|
none |
|
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 |
|
6.39% (7.63%*) |
|
6.39% (7.50%*) |
|
6.39% (7.38%*) |
|
6.29% (7.24%*) |
|
6.39% (7.18%*) |
|
n/a |
|
n/a |
|
7.71% p.a. |
$600.00 |
|
$0.00 |
|
$0.00 |
|
$150.00 |
|
n/a |
|
$0.00 |
|
$300.00 |
$50,000 |
|
$7,500,000 |
|
none |
|
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 |
|
6.69% (7.93%*) |
|
6.69% (7.79%*) |
|
6.69% (7.68%*) |
|
6.59% (7.53%*) |
|
6.69% (7.47%*) |
|
n/a |
|
n/a |
|
8.01% p.a. |
$600.00 |
|
$0.00 |
|
$0.00 |
|
$150.00 |
|
n/a |
|
$0.00 |
|
$300.00 |
$50,000 |
|
$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 |
|
6.59% (7.65%*) |
|
6.59% (7.54%*) |
|
6.59% (7.44%*) |
|
6.49% (7.31%*) |
|
6.59% (7.26%*) |
|
n/a |
|
n/a |
|
7.71% p.a. |
$600.00 |
|
$0.00 |
|
$0.00 |
|
$150.00 |
|
n/a |
|
$0.00 |
|
$300.00 |
$50,000 |
|
$7,500,000 |
|
none |
|
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 |
|
6.89% (7.95%*) |
|
6.89% (7.84%*) |
|
6.89% (7.73%*) |
|
6.79% (7.61%*) |
|
6.89% (7.56%*) |
|
n/a |
|
n/a |
|
8.01% p.a. |
$600.00 |
|
$0.00 |
|
$0.00 |
|
$150.00 |
|
n/a |
|
$0.00 |
|
$300.00 |
$50,000 |
|
$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.
Talking to foreign call centres who don't understand your question. Not like HSBC in UK at all where I've been a customer for over 10 years. Short-sighted staff who don't care about business retention. I got no follow up from "Relationship Managers". Infuriating customer service
Read full reviewTalking to foreign call centres who don't understand your question. Not like HSBC in UK at all where I've been a customer for over 10 years. Short-sighted staff who don't care about business retention. I got no follow up from "Relationship Managers". Infuriating customer service
This bank is friendly, great service and always smile when I enter the building.
Read full reviewThis bank is friendly, great service and always smile when I enter the building.
Getting our HSBC home loan approved and up and running was so simple and the customer service we received was excellent.
Read full reviewGetting our HSBC home loan approved and up and running was so simple and the customer service we received was excellent.
After shopping around at lots of banks I had started to lose faith that I would ever find the perfect home loan that suited my needs. HSBC completely restored my faith in banks. They were professional, friendly, helpful and most importantly - honest. They gave me advice as if they were my friend, and not just trying to win my business. Their rates were also the best I'd come across. I have since recommended them to two friends, who have each agreed with me.
Read full reviewAfter shopping around at lots of banks I had started to lose faith that I would ever find the perfect home loan that suited my needs. HSBC completely restored my faith in banks. They were professional, friendly, helpful and most importantly - honest. They gave me advice as if they were my friend, and not just trying to win my business. Their rates were also the best I'd come across. I have since recommended them to two friends, who have each agreed with me.
I find it a good bank although difficult at times as as the call centers are now offshore.
Read full reviewI find it a good bank although difficult at times as as the call centers are now offshore.
Home Value Loan
5.99% p.a.
5.99% p.a.
$0.00
Home Value Loan
6.09% p.a. variable
6.09% p.a.
Fixed Rate
6.59% p.a.
fixed 3 years
7.06% p.a.
Offset Home Loan (Package)
6.15% p.a. variable
6.40% p.a.
Basic Home Loan (Fixed)
5.99% p.a.
fixed 3 years
6.13% p.a.
Offset Home Loan (Package)
6.15% p.a.
6.40% p.a.
Basic Home Loan
6.15% p.a.
6.17% p.a.
Elevate
6.09% p.a.
6.20% p.a.
Basic Home Loan (Fixed)
5.99% p.a.
fixed 3 years
6.13% p.a.
Fixed Rate Loan (with Orange Advantage)
5.99% p.a.
fixed 3 years
6.12% p.a.
Basic Home Loan (Fixed)
6.09% p.a.
fixed 3 years
6.19% 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.