The details shown below are for an owner occupier taking out a principal & interest loan between $50,000 and $15,000,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a principal & interest loan between $50,000 and $15,000,000 with an LVR below 90%
The details shown below are for an owner occupier taking out a interest only loan between $50,000 and $15,000,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a interest only loan between $50,000 and $15,000,000 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 $15,000,000 with an LVR below 90%
The details shown below are for an owner occupier taking out a interest only loan between $50,000 and $15,000,000 with an LVR below 90%
The details shown below are for an investor taking out a principal & interest loan between $50,000 and $15,000,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan between $50,000 and $15,000,000
The details shown below are for an investor taking out a interest only loan between $50,000 and $15,000,000 with an LVR below 80%
The details shown below are for an investor taking out a interest only loan between $50,000 and $15,000,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan between $50,000 and $15,000,000 with an LVR below 80%
The details shown below are for an investor taking out a interest only loan between $50,000 and $15,000,000
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 | $15,000,000 |
| | Owner Occupier | Principal & Interest | 80%-90% | $50,000 | $15,000,000 |
| | Owner Occupier | Interest Only | < 80% | $50,000 | $15,000,000 |
| | Owner Occupier | Interest Only | 80%-90% | $50,000 | $15,000,000 |
| | Owner Occupier | Principal & Interest, Interest Only | < 90% | $50,000 | $15,000,000 |
| | Owner Occupier | Interest Only | < 90% | $50,000 | $15,000,000 |
| | Investor | Principal & Interest | < 80% | $50,000 | $15,000,000 |
| | Investor | Principal & Interest | 80%-% | $50,000 | $15,000,000 |
| | Investor | Interest Only | < 80% | $50,000 | $15,000,000 |
| | Investor | Interest Only | < 80% | $50,000 | $15,000,000 |
| | Investor | Principal & Interest | < 80% | $50,000 | $15,000,000 |
| | Investor | Interest Only | 80%-% | $50,000 | $15,000,000 |
Owner Occupier (Principal & Interest)
LVR < 80%
Loan: $50,000 $15,000,000
Owner Occupier (Principal & Interest)
LVR 80%-90%
Loan: $50,000 $15,000,000
Owner Occupier (Interest Only)
LVR < 80%
Loan: $50,000 $15,000,000
Owner Occupier (Interest Only)
LVR 80%-90%
Loan: $50,000 $15,000,000
Owner Occupier (Principal & Interest, Interest Only)
LVR < 90%
Loan: $50,000 $15,000,000
Owner Occupier (Interest Only)
LVR < 90%
Loan: $50,000 $15,000,000
Investor (Principal & Interest)
LVR < 80%
Loan: $50,000 $15,000,000
Investor (Principal & Interest)
LVR 80%-%
Loan: $50,000 $15,000,000
Investor (Interest Only)
LVR < 80%
Loan: $50,000 $15,000,000
Investor (Interest Only)
LVR < 80%
Loan: $50,000 $15,000,000
Investor (Principal & Interest)
LVR < 80%
Loan: $50,000 $15,000,000
Investor (Interest Only)
LVR 80%-%
Loan: $50,000 $15,000,000
With a super competitive variable rates starting at 2.59% (2.60% comparison rate*) for owner occupiers making principal and interest repayments, plus features like unlimited extra repayments and a redraw facility, the 2020 Mozo Experts Choice Award winning Home Value Loan from HSBC just might be the flexible, low cost loan that you've been looking for.
The HSBC Home Value Loan offers competitive variable rates for both owner occupiers and investors on loans between $50,000 and $15,000,000, allowing you to borrow up to 90% of the property’s price. The lowest rate currently available is 2.59% (2.60% comparison rate*) for owner occupiers with an LVR below 80% who are willing to make principal and interest repayments on their loan.
Although this is a variable loan, the good news is that 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 including the choice of making weekly, fortnightly or monthly loan repayments and the ability to make free extra repayments to help you pay your loan off faster. There's also a free online redraw facility which borrowers, who have made extra repayments, can use to access them down the line.
The other benefit of the loan is that there are relatively few fees involved. Borrowers will need to pay a one-off settlement fee of $150 at the start of their loan, as well as a $300 discharge fee in the future, but there are no ongoing fees to worry about.
The HSBC Home Value Loan is an excellent option if you’re a borrower looking for a low-rate home loan option with a few flexible features. This could be a particularly good loan option if you’re a first home buyer as you’ll only need to pay a 10% deposit, but if you do choose that option you may need to pay lenders mortgage insurance.
If you’re opting for an interest-only loan, keep in mind that this is only available for a maximum of five years.
2.59% p.a.
n/a
n/a
n/a
2.60% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$150.00
n/a
$0.00
$300.00
$50,000
$15,000,000
none
80.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
no
Interest only payment option is for a maximum of 5 years.
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.
2.64% p.a.
n/a
n/a
n/a
2.65% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$150.00
n/a
$0.00
$300.00
$50,000
$15,000,000
80.00%
90.00%
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
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.
2.98% p.a.
n/a
n/a
n/a
2.99% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$150.00
n/a
$0.00
$300.00
$50,000
$15,000,000
none
80.00%
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
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.
3.13% p.a.
n/a
n/a
n/a
3.14% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$150.00
n/a
$0.00
$300.00
$50,000
$15,000,000
80.00%
90.00%
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
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.
3.90% p.a.
n/a
n/a
n/a
3.95% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$600.00
$0.00
$0.00
$150.00
n/a
$0.00
$300.00
$50,000
$15,000,000
none
90.00%
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
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.
3.90% p.a.
n/a
n/a
n/a
3.95% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$600.00
$0.00
$0.00
$150.00
n/a
$0.00
$300.00
$50,000
$15,000,000
none
90.00%
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
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.
2.89% p.a.
n/a
n/a
n/a
2.90% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$150.00
n/a
$0.00
$300.00
$50,000
$15,000,000
none
80.00%
Investor
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
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.
2.99% p.a.
n/a
n/a
n/a
3.01% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$150.00
n/a
$0.00
$300.00
$50,000
$15,000,000
80.00%
none
Investor
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
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.
3.14% p.a.
n/a
n/a
n/a
2.99% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$150.00
n/a
$0.00
$300.00
$50,000
$15,000,000
none
80.00%
Investor
Interest Only
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
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.
4.77% p.a.
n/a
n/a
n/a
4.68% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$600.00
$0.00
$120.00
$150.00
n/a
$0.00
$300.00
$50,000
$15,000,000
none
80.00%
Investor
Interest Only
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
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.
4.52% p.a.
n/a
n/a
n/a
4.58% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$600.00
$0.00
$120.00
$150.00
n/a
$0.00
$300.00
$50,000
$15,000,000
none
80.00%
Investor
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
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.
3.29% p.a.
n/a
n/a
n/a
3.00% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$150.00
n/a
$0.00
$300.00
$50,000
$15,000,000
80.00%
none
Investor
Interest Only
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
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.
Extremely happy with HSBC. I changed from NAB after a few poor experiences. I have saved thousands in interest and my experience has been positive. I'd highly recommend HSBC.
Read full reviewExtremely happy with HSBC. I changed from NAB after a few poor experiences. I have saved thousands in interest and my experience has been positive. I'd highly recommend HSBC.
Very helpful with everything
Read full reviewVery helpful with everything
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..
Read full reviewThe 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..
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
loans.com.au
Smart Booster Home Loan
1.99% p.a.variable for 12 months and then 2.48% p.a. variable
2.47% p.a.
Bank of Queensland
Fixed Rate
2.09% p.a.
fixed 3 years
3.01% p.a.
People's Choice Credit Union
Fixed Rate Home Loan (Package)
1.99% p.a.
fixed 3 years
3.64% p.a.
loans.com.au
Smart Booster Home Loan
1.99% p.a.variable for 12 months and then 2.48% p.a. variable
2.47% p.a.
loans.com.au
Smart Booster Home Loan
1.99% p.a.variable for 12 months and then 2.48% p.a.
2.47% p.a.
Bank of Queensland
Economy
2.59% p.a.
2.76% p.a.
Bank of Queensland
Fixed Rate
2.09% p.a.
fixed 3 years
3.01% p.a.
People's Choice Credit Union
Fixed Rate Home Loan (Package)
1.99% p.a.
fixed 3 years
3.64% p.a.
loans.com.au
Smart Booster Home Loan
1.99% p.a.variable for 12 months and then 2.48% p.a.
2.47% p.a.
$0.00
Yard
Variable Home Loan Special
2.09% p.a.
2.12% p.a.
$0.00
GMCU
Basic Variable
2.33% p.a.variable for 24 months and then 3.82% p.a.
3.71% p.a.
$8.00 monthly
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.
