HSBC Home Smart Loan

This product is available in different versions. Pick the right version for you here.

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 investor taking out a principal & interest 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 < 90%

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

  • Investor (Principal & Interest)

    LVR < 90%

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

3.56% p.a.

3.62% p.a.

$0.00

HSBC Home Smart Loan

3.56% p.a.

3.62% p.a.

$0.00

5.53% p.a.

5.60% p.a.

$0.00

HSBC Home Smart Loan

5.53% p.a.

5.60% p.a.

$0.00

Details

Rates and fees information correct as at 22 August 2019. 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
  • 3.56% p.a.

  • n/a

  • n/a

  • n/a

  • 3.62% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $600.00

  • $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 22 August 2019. 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
  • 5.53% p.a.

  • n/a

  • n/a

  • n/a

  • 5.60% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $600.00

  • $0.00

  • $120.00

  • $150.00

  • n/a

  • $0.00

  • $300.00

Other financial bits
  • $50,000

  • $7,500,000

  • none

  • 90.00%

Features
  • 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
7.0/10

Based on 110 HSBC home loan reviews

Price
6.7/10
Features
6.6/10
Customer service
7.1/10
Convenience
6.4/10
Trust
7.2/10

Latest reviews of HSBC Home Smart Loan

  • Overall
    7/10
    Excellent customer service

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

    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

    Greg | South Australia

    reviewed over 3 years ago

  • Overall
    10/10
    Genuine, smart, friendly, trustworthy.

    Great personal service, direct access to the manager and senior personnel. Always available to...

    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

    Shawn | Australian Capital Territory

    reviewed over 3 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...

    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

    Rachel | Victoria

    reviewed about 4 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...

    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

    Name not supplied | New South Wales

    reviewed almost 6 years ago

  • Overall
    5/10
    Good product but poor service

    Convenient offset account with linked credit card, but poor customer service is detrimental.

    Convenient offset account with linked credit card, but poor customer service is detrimental.

    Price
    5/10
    Features
    7/10
    Customer service
    1/10
    Convenience
    7/10
    Trust
    1/10

    Name not supplied | New South Wales

    reviewed about 6 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!

See HSBC home loans

Promoted

HSBC

HSBC

Home Value Loan

3.27% p.a.

3.28% p.a.

$0.00

Promoted

loans.com.au

loans.com.au

Smart Home Loan

3.03% p.a. variable

3.05% p.a.

$520

Promoted

UBank

UBank

UHomeLoan - Discount Offer

3.09% p.a. variable

3.09% p.a.

$0

Promoted

Athena

Athena

Variable Home Loan

3.09% p.a. variable

3.05% p.a.

$0

Promoted

ANZ

ANZ

Simplicity PLUS

3.38% p.a. variable

3.42% p.a.

$0

Promoted

ME

ME

Flexible Home Loan (Member Package)

3.39% p.a. variable

3.83% p.a.

$200

Promoted

Suncorp

Suncorp

Back to Basics

3.29% p.a. variable

3.30% p.a.

$0

Promoted

HSBC

HSBC

Home Value Loan

3.27% p.a. variable

3.28% p.a.

$150

Promoted

Homestar

Homestar

Star Essentials Home Loan

2.99% p.a. variable

3.02% p.a.

$596

Promoted

loans.com.au

loans.com.au

Smart Home Loan

3.03% p.a.

3.05% p.a.

$520

Promoted

UBank

UBank

UHomeLoan - Discount Offer

3.09% p.a.

3.09% p.a.

$0

Promoted

ANZ

ANZ

Simplicity PLUS

3.38% p.a.

3.42% p.a.

$0

Promoted

Well Home Loans

Well Home Loans

Well Balanced

2.97% p.a.

2.99% p.a.

$785

Promoted

Athena

Athena

Variable Home Loan

3.09% p.a.

3.05% p.a.

$0

Promoted

Homestar

Homestar

Star Essentials Home Loan

2.99% p.a.

3.02% p.a.

$596

Promoted

Bank of Queensland

Bank of Queensland

2 Year Intro Rate Variable Home Loan

3.39% p.a.variable for 24 months and then 3.86% p.a.

3.91% p.a.

$150

Promoted

HSBC

HSBC

Home Value Loan

3.27% p.a.

3.28% p.a.

$150

Promoted

Bank of Queensland

Bank of Queensland

Fixed Rate

2.99% p.a.
fixed 3 years

4.09% p.a.

$450

Promoted

UBank

UBank

UHomeLoan (Fixed)

2.99% p.a.
fixed 3 years

3.45% p.a.

$395

Promoted

IMB Bank

IMB Bank

Fixed Home Loan

2.99% p.a.
fixed 3 years

3.51% p.a.

$799

Promoted

Well Home Loans

Well Home Loans

Well Balanced Fixed

2.99% p.a.
fixed 3 years

3.11% p.a.

$785

Promoted

loans.com.au

loans.com.au

Fixed Home Loan

3.19% p.a.
fixed 3 years

3.43% p.a.

$520

Promoted

Newcastle Permanent

Newcastle Permanent

Fixed Rate Home Loan (Premium Plus Package)

3.24% p.a.
fixed 3 years

4.15% p.a.

$0

Promoted

Tic:Toc

Tic:Toc

Fixed Home Loan

n/a

n/a

$0

Promoted

UBank

UBank

UHomeLoan (1 Year Fixed)

n/a

n/a

$395

Promoted

loans.com.au

loans.com.au

Smart Home Loan

3.03% p.a.

3.05% p.a.

$0.00

Promoted

UBank

UBank

UHomeLoan - Discount Offer

3.09% p.a.

3.09% p.a.

$0.00

Promoted

Athena

Athena

Variable Home Loan

3.09% p.a.

3.05% p.a.

$0.00

Promoted

ANZ

ANZ

Simplicity PLUS

3.38% p.a.

3.42% p.a.

$0.00

Promoted

ME

ME

Flexible Home Loan (Member Package)

3.39% p.a.

3.83% p.a.

$395.00 yearly

Promoted

Suncorp

Suncorp

Back to Basics

3.29% p.a.

3.30% p.a.

$0.00

Promoted

HSBC

HSBC

Home Value Loan

3.27% p.a.

3.28% p.a.

$0.00

Promoted

Homestar

Homestar

Star Essentials Home Loan

2.99% p.a.

3.02% p.a.

$0.00

*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.