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HSBC Home Smart Loan

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 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 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 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%

Choose the version of this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 90%

    Loan: $50,000 $7,500,000

  • Owner Occupier (Principal & Interest)

    LVR 80%-90%

    Loan: $50,000 $7,500,000

  • Owner Occupier (Principal & Interest)

    LVR < 80%

    Loan: $50,000 $7,500,000

  • Investor (Principal & Interest)

    LVR < 80%

    Loan: $50,000 $7,500,000

  • Investor (Principal & Interest)

    LVR < 80%

    Loan: $50,000 $7,500,000

Rate
4.51% p.a.
Comparison Rate*
4.53% p.a.
Service fee
$0.00
Upfront fee
$270
Rate
2.95% p.a.
Comparison Rate*
2.98% p.a.
Service fee
$0.00
Upfront fee
$270
Rate
2.80% p.a.
Comparison Rate*
2.83% p.a.
Service fee
$0.00
Upfront fee
$270
Rate
5.13% p.a.
Comparison Rate*
5.15% p.a.
Service fee
$0.00
Upfront fee
$270
Rate
3.22% p.a.
Comparison Rate*
3.24% p.a.
Service fee
$0.00
Upfront fee
$270

Details

Rates and fees information correct as at 7 July 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
  • 4.51% p.a.

  • n/a

  • n/a

  • n/a

  • 4.53% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $120.00

  • $150.00

  • n/a

  • $0.00

  • $300.00

Other financial bits
  • $50,000

  • $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 7 July 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
  • 2.95% p.a.

  • n/a

  • n/a

  • n/a

  • 2.98% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $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
  • 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 7 July 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
  • 2.80% p.a.

  • n/a

  • n/a

  • n/a

  • 2.83% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $120.00

  • $150.00

  • n/a

  • $0.00

  • $300.00

Other financial bits
  • $50,000

  • $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 7 July 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
  • 5.13% p.a.

  • n/a

  • n/a

  • n/a

  • 5.15% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $120.00

  • $150.00

  • n/a

  • $0.00

  • $300.00

Other financial bits
  • $50,000

  • $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.

Details

Rates and fees information correct as at 7 July 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
  • 3.22% p.a.

  • n/a

  • n/a

  • n/a

  • 3.24% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $120.00

  • $150.00

  • n/a

  • $0.00

  • $300.00

Other financial bits
  • $50,000

  • $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 customer rating
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

  • Overall 8/10
    Good loan to have

    Very good product but online banking is not very good.

    Read full review

    Very good product but online banking is not very good.

    Price
    10/10
    Features
    7/10
    Customer service
    8/10
    Convenience
    6/10
    Trust
    8/10
    Less
    Sajith, New South Wales reviewed about 1 month ago
  • Overall 7/10
    Excellent customer service

    They are bank, like all others. Only one branch in Adelaide.

    Read full review

    They are bank, like all others. Only one branch in Adelaide.

    Price
    7/10
    Features
    7/10
    Customer service
    8/10
    Convenience
    5/10
    Trust
    7/10
    Less
    Greg, South Australia reviewed about 4 years ago
  • Overall 10/10
    Genuine, smart, friendly, trustworthy.

    Great personal service, direct access to the manager and senior personnel. Always available to assist, answer questions and advise. Friendly, real people, with a genuine care for our needs. Rates always competitive.

    Read full review

    Great personal service, direct access to the manager and senior personnel. Always available to assist, answer questions and advise. Friendly, real people, with a genuine care for our needs. Rates always competitive.

    Price
    9/10
    Features
    9/10
    Customer service
    10/10
    Convenience
    8/10
    Trust
    10/10
    Less
    Shawn, Australian Capital Territory reviewed over 4 years ago
  • Overall 9/10
    Flexible offset facility means less interest

    I read a book promoting this as the best account to pay off your home loan quickly. They were right! We managed it on a single income in just a few years.

    Read full review

    I read a book promoting this as the best account to pay off your home loan quickly. They were right! We managed it on a single income in just a few years.

    Price
    10/10
    Features
    8/10
    Customer service
    2/10
    Convenience
    2/10
    Trust
    5/10
    Less
    Rachel, Victoria reviewed almost 5 years ago
  • Overall 9/10
    Helping us to get the right home loan to suit us!

    HSBC have never been a problem. From time to time when we do need their assistance, they have sorted it out and explained what has happened. We have a very small loan now compared to our friends which I credit to HSBC for giving us the right home loan to suit our needs. I'm so very proud to say we have a home loan of what would be considered the amount of a small car loan! Thanks HSBC for getting it right for us!

    Read full review

    HSBC have never been a problem. From time to time when we do need their assistance, they have sorted it out and explained what has happened. We have a very small loan now compared to our friends which I credit to HSBC for giving us the right home loan to suit our needs. I'm so very proud to say we have a home loan of what would be considered the amount of a small car loan! Thanks HSBC for getting it right for us!

    Price
    8/10
    Features
    9/10
    Customer service
    9/10
    Convenience
    10/10
    Trust
    9/10
    Less
    Mozo community reviewer, New South Wales reviewed almost 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.