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HSBC Home Smart Loan (Premier)

The details shown below are for an owner occupier taking out a principal & interest loan between $500,000 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 $500,000 and $749,999 with an LVR below 90%

The details shown below are for an owner occupier taking out a principal & interest loan between $750,000 and $1,499,999 with an LVR below 90%

The details shown below are for an owner occupier taking out a principal & interest loan between $1,500,000 and $7,500,000 with an LVR below 90%

The details shown below are for an investor taking out a principal & interest loan between $500,000 and $749,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan between $750,000 and $1,499,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan between $1,500,000 and $7,500,000 with an LVR below 80%

Choose the version of this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 80%

    Loan: $500,000 $7,500,000

  • Owner Occupier (Principal & Interest)

    LVR < 90%

    Loan: $500,000 $749,999

  • Owner Occupier (Principal & Interest)

    LVR < 90%

    Loan: $750,000 $1,499,999

  • Owner Occupier (Principal & Interest)

    LVR < 90%

    Loan: $1,500,000 $7,500,000

  • Investor (Principal & Interest)

    LVR < 80%

    Loan: $500,000 $749,000

  • Investor (Principal & Interest)

    LVR < 80%

    Loan: $750,000 $1,499,000

  • Investor (Principal & Interest)

    LVR < 80%

    Loan: $1,500,000 $7,500,000

Rate
2.69% p.a.
Comparison Rate*
3.15% p.a.
Service fee
$35.00 monthly
Upfront fee
$150
Rate
3.98% p.a.
Comparison Rate*
4.43% p.a.
Service fee
$35.00 monthly
Upfront fee
$450
Rate
3.93% p.a.
Comparison Rate*
4.39% p.a.
Service fee
$35.00 monthly
Upfront fee
$450
Rate
3.88% p.a.
Comparison Rate*
4.34% p.a.
Service fee
$35.00 monthly
Upfront fee
$450
Rate
4.60% p.a.
Comparison Rate*
5.05% p.a.
Service fee
$35.00 monthly
Upfront fee
$570
Rate
4.55% p.a.
Comparison Rate*
5.00% p.a.
Service fee
$35.00 monthly
Upfront fee
$570
Rate
4.50% p.a.
Comparison Rate*
4.95% p.a.
Service fee
$35.00 monthly
Upfront fee
$570

Details

Rates and fees information correct as at 24 September 2020. 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
  • 2.69% p.a.

  • n/a

  • n/a

  • n/a

  • 3.15% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $35.00 monthly

  • $300.00

Other financial bits
  • $500,000

  • $7,500,000

  • none

  • 80.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • no

  • none

  • Unlimited free withdrawals per month. Transact on the loan via ATM, EFTPOS, BPAY, phone / internet banking and Bank@Post.

  • 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 24 September 2020. 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
  • 3.98% p.a.

  • n/a

  • n/a

  • n/a

  • 4.43% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $300.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $35.00 monthly

  • $300.00

Other financial bits
  • $500,000

  • $749,999

  • none

  • 90.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • no

  • none

  • Unlimited free withdrawals per month. Transact on the loan via ATM, EFTPOS, BPAY, phone / internet banking and Bank@Post.

  • 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 24 September 2020. 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
  • 3.93% p.a.

  • n/a

  • n/a

  • n/a

  • 4.39% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $300.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $35.00 monthly

  • $300.00

Other financial bits
  • $750,000

  • $1,499,999

  • none

  • 90.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • no

  • none

  • Unlimited free withdrawals per month. Transact on the loan via ATM, EFTPOS, BPAY, phone / internet banking and Bank@Post.

  • 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 24 September 2020. 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
  • 3.88% p.a.

  • n/a

  • n/a

  • n/a

  • 4.34% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $300.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $35.00 monthly

  • $300.00

Other financial bits
  • $1,500,000

  • $7,500,000

  • none

  • 90.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • no

  • none

  • Unlimited free withdrawals per month. Transact on the loan via ATM, EFTPOS, BPAY, phone / internet banking and Bank@Post.

  • 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 24 September 2020. 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
  • 4.60% p.a.

  • n/a

  • n/a

  • n/a

  • 5.05% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $300.00

  • $0.00

  • $120.00

  • $150.00

  • n/a

  • $35.00 monthly

  • $300.00

Other financial bits
  • $500,000

  • $749,000

  • none

  • 80.00%

Features
  • Investor

  • Principal & Interest

  • Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • no

  • none

  • Unlimited free withdrawals per month. Transact on the loan via ATM, EFTPOS, BPAY, phone / internet banking and Bank@Post.

  • 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 24 September 2020. 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
  • 4.55% p.a.

  • n/a

  • n/a

  • n/a

  • 5.00% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $300.00

  • $0.00

  • $120.00

  • $150.00

  • n/a

  • $35.00 monthly

  • $300.00

Other financial bits
  • $750,000

  • $1,499,000

  • none

  • 80.00%

Features
  • Investor

  • Principal & Interest

  • Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • no

  • none

  • Unlimited free withdrawals per month. Transact on the loan via ATM, EFTPOS, BPAY, phone / internet banking and Bank@Post.

  • 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 24 September 2020. 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
  • 4.50% p.a.

  • n/a

  • n/a

  • n/a

  • 4.95% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $300.00

  • $0.00

  • $120.00

  • $150.00

  • n/a

  • $35.00 monthly

  • $300.00

Other financial bits
  • $1,500,000

  • $7,500,000

  • none

  • 80.00%

Features
  • Investor

  • Principal & Interest

  • Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • no

  • none

  • Unlimited free withdrawals per month. Transact on the loan via ATM, EFTPOS, BPAY, phone / internet banking and Bank@Post.

  • 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
6.9/10

Based on 122 HSBC home loan reviews

Price
6.7/10
Features
6.5/10
Customer service
6.9/10
Convenience
6.2/10
Trust
7.1/10

Latest reviews of HSBC Home Smart Loan (Premier)

  • Overall 2/10
    Beware of HSBC.

    HSBC are not interested in maintaining clients or negotiating rate reductions despite not passing on Reserve Bank reductions in full. They treat you well to sign you up then don’t care. I would not recommend HSBC as they don’t care about average Australians.

    Read full review

    HSBC are not interested in maintaining clients or negotiating rate reductions despite not passing on Reserve Bank reductions in full. They treat you well to sign you up then don’t care. I would not recommend HSBC as they don’t care about average Australians.

    Price
    4/10
    Features
    4/10
    Customer service
    3/10
    Convenience
    4/10
    Trust
    2/10
    Less
    Vicky, South Australia reviewed 3 months ago
  • Overall 8/10
    Great customer service

    Personal contact.

    Read full review

    Personal contact.

    Price
    5/10
    Features
    5/10
    Customer service
    9/10
    Convenience
    7/10
    Trust
    8/10
    Less
    Helen, New South Wales reviewed over 7 years ago
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!

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*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.