HSBC Home Value 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 interest only 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, 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 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 90%

Choose the version of this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 90%

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

  • Owner Occupier (Interest Only)

    LVR < 90%

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

  • Owner Occupier (Principal & Interest, Interest Only)

    LVR < 90%

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

  • Investor (Principal & Interest)

    LVR < 90%

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

  • Investor (Interest Only)

    LVR < 90%

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

3.47% p.a.

3.48% p.a.

$0.00

HSBC Home Value Loan

3.47% p.a.

3.48% p.a.

$0.00

3.68% p.a.

3.70% p.a.

$0.00

HSBC Home Value Loan

3.68% p.a.

3.70% p.a.

$0.00

4.50% p.a.

4.56% p.a.

$0.00

HSBC Home Value Loan

4.50% p.a.

4.56% p.a.

$0.00

3.73% p.a.

3.79% p.a.

$0.00

HSBC Home Value Loan

3.73% p.a.

3.79% p.a.

$0.00

3.73% p.a.

3.79% p.a.

$0.00

HSBC Home Value Loan

3.73% p.a.

3.79% p.a.

$0.00

Mozo Review   HSBC Home Value Loan Review

Last updated: 17 June 2019.

What's hot:
  • Competitive 3.47% p.a. variable interest rate (3.48% p.a. comparison rate*)

  • Multiple 2019 Mozo Experts Choice Award winner

  • No ongoing monthly service fee

  • Unlimited free extra repayments

What's not:
  • $150 settlement fee

  • $300 discharge fee

Mozo snapshot:

With a super competitive variable principal and interest rate for owner-occupiers starting at 3.47% p.a. (3.48% p.a. comparison rate*), unlimited free extra loan repayments and a free redraw facility, the HSBC Home Value Loan just might be the loan that gets you the home of your dreams. And as a winner of three different 2019 Mozo Experts Choice Awards (best First Home Buyer Loan, best Low Cost Home Loan and best Split Home Loan) you know you're on to a winner.

Key features:

The HSBC Home Value Loan offers a competitive variable rate for owner-occupiers starting at 3.47% p.a. (3.48% p.a. comparison rate*), available for loans between $50,000 and $7,500,000, allowing you to borrow up to 90% of the property’s price. Be aware that there are different rate tiers depending on how much you borrow.

Although this is a variable loan, the good news is the HSBC Home Value Loan comes with a split account feature, which means you’ll have the option of splitting your loan into two portions, one with a variable rate and the other with a fixed rate.

The HSBC Home Value Loan offers a range of flexible features to help you pay your loan off quickly, including the ability to make free extra loan repayments and a free online redraw facility. You’ll also have a choice of either weekly, fortnightly or monthly loan repayments.

If you choose to go with the HSBC Home Value Loan you’ll also receive a Relationship Manager to assist you through the application process.

Who it's good for:

The HSBC Home Value Loan is an excellent option if you’re an owner occupier looking for a low-rate home loan option with flexible features. This is a particularly good loan option if you’re a first home buyer as you’ll only need to pay a 10% deposit, but as a result you’ll need to pay lenders mortgage insurance.

Any catches?

If you’re opting for an interest only loan, keep in mind that this is only available for a maximum of 5 years.

Details

Rates and fees information correct as at 26 June 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
  • 3.47% p.a.

  • n/a

  • 0 Months

  • none

  • 3.48% 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

  • none

  • $0.00

  • $300.00

Other financial bits
  • $50,000

  • $7,500,000

  • none

  • 90.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free online

  • $0.00

  • yes

  • no

  • Interest only payment option is for a maximum of 5 years.

  • 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 26 June 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
  • 3.68% p.a.

  • n/a

  • 0 Months

  • none

  • 3.70% 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

  • none

  • $0.00

  • $300.00

Other financial bits
  • $50,000

  • $7,500,000

  • none

  • 90.00%

Features
  • Owner Occupier

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • no

  • Interest only payment option is for a maximum of 5 years.

  • 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 26 June 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
  • 4.50% p.a.

  • n/a

  • 0 Months

  • none

  • 4.56% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $600.00

  • $0.00

  • $0.00

  • $150.00

  • none

  • $0.00

  • $300.00

Other financial bits
  • $50,000

  • $7,500,000

  • none

  • 90.00%

Features
  • Owner Occupier

  • Principal & Interest, Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • no

  • Interest only payment option is for a maximum of 5 years.

  • 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 26 June 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
  • 3.73% p.a.

  • n/a

  • 0 Months

  • none

  • 3.79% 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

  • none

  • $0.00

  • $300.00

Other financial bits
  • $50,000

  • $7,500,000

  • none

  • 90.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • no

  • 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.

Details

Rates and fees information correct as at 26 June 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
  • 3.73% p.a.

  • n/a

  • 0 Months

  • none

  • 3.79% 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

  • none

  • $0.00

  • $300.00

Other financial bits
  • $50,000

  • $7,500,000

  • none

  • 90.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • no

  • 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.

Customer Reviews

How are HSBC home loans rated by the Mozo community?

Overall customer rating
7.0/10

Based on 109 HSBC home loan reviews

Price
6.7/10
Features
6.6/10
Customer service
7.1/10
Convenience
6.3/10
Trust
7.2/10

Latest reviews of HSBC Home Value Loan

  • Overall
    10/10
    Awesome

    Very helpful with everything

    Very helpful with everything

    Price
    9/10
    Features
    9/10
    Customer service
    9/10
    Convenience
    9/10
    Trust
    9/10

    Helen | New South Wales

    reviewed about 3 years ago

  • Overall
    8/10
    friendly and great customer service

    The HSBC home loan is a very good product. My only slight gripe is that it is now a lot harder...

    The HSBC home loan is a very good product. My only slight gripe is that it is now a lot harder to redraw money from my home loan account than it used to be. I could walk into a branch, ask to redraw $5000 and it could all be done over the counter. Now I have had to apply for a HSBC card and the money I want to redraw will be put into another account and than have to withdraw from that account. To be blunt, it is a lot more stuffing around than in the past..

    Price
    8/10
    Features
    8/10
    Customer service
    7/10
    Convenience
    8/10
    Trust
    9/10

    Chris | Victoria

    reviewed about 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!

See HSBC home loans

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3.39% p.a.
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4.30% p.a.

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3.58% p.a.
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4.26% p.a.

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3.19% p.a.
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3.63% p.a.

$520

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3.59% p.a.
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3.49% p.a.

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3.59% p.a.

3.59% p.a.

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3.34% p.a.

3.30% p.a.

$0

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3.47% p.a.

3.48% p.a.

$150

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3.57% p.a.

3.59% p.a.

$180

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3.97% p.a.

3.99% p.a.

$400

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Economy

3.74% p.a.

3.90% p.a.

$450

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3.51% p.a.

3.52% p.a.

$0

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UBank

UBank

UHomeLoan (1 Year Fixed)

n/a

n/a

$395

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Bank of Queensland

Bank of Queensland

Fixed Rate

3.39% p.a.
fixed 3 years

4.30% p.a.

$450

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Fixed Home Loan

3.19% p.a.
fixed 3 years

3.63% p.a.

$520

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UBank

UBank

UHomeLoan (Fixed)

3.24% p.a.
fixed 3 years

3.88% p.a.

$395

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QBANK

QBANK

Fixed Rate

3.62% p.a.
fixed 3 years

4.20% p.a.

$195

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Bank Australia

Bank Australia

Basic Home Loan (Fixed)

3.64% p.a.
fixed 3 years

3.74% p.a.

$0

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Smart Loan Fixed (Package)

3.19% p.a.
fixed 3 years

3.63% p.a.

$520

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ME

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Flexible Home Loan (Fixed, Member Package)

3.58% p.a.
fixed 3 years

4.26% p.a.

$200

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Smart Home Loan

3.28% p.a.

3.30% p.a.

$0.00

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Athena

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Variable Home Loan

3.34% p.a.

3.30% p.a.

$0.00

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Red Home Loan - Early Bird Special

3.29% p.a.

3.36% p.a.

$0.00

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Rate Lovers Variable Home Loan

3.19% p.a.

3.19% p.a.

$0.00

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Homestar

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Star Essentials Home Loan

3.24% p.a.

3.25% p.a.

$0.00

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Essentials Variable

3.44% p.a.

3.46% 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.