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HSBC Home Value Loan

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 $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 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

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 80%

The details shown below are for an investor taking out a interest only loan between $50,000 and $7,500,000

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 80%

Choose the version of this loan that suits you best

  • 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 $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

  • Investor (Principal & Interest)

    LVR 80%-%

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

  • Investor (Interest Only)

    LVR < 80%

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

  • Investor (Interest Only)

    LVR 80%-%

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

  • Investor (Interest Only)

    LVR < 80%

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

Rate
2.59% p.a.
Comparison Rate*
2.60% p.a.
Service fee
$0.00
Upfront fee
$150
Go to site
Rate
2.69% p.a.
Comparison Rate*
2.70% p.a.
Service fee
$0.00
Upfront fee
$150
Rate
2.98% p.a.
Comparison Rate*
2.99% p.a.
Service fee
$0.00
Upfront fee
$150
Rate
3.13% p.a.
Comparison Rate*
3.14% p.a.
Service fee
$0.00
Upfront fee
$150
Rate
3.90% p.a.
Comparison Rate*
3.95% p.a.
Service fee
$0.00
Upfront fee
$750
Rate
4.52% p.a.
Comparison Rate*
4.58% p.a.
Service fee
$0.00
Upfront fee
$870
Rate
3.03% p.a.
Comparison Rate*
3.04% p.a.
Service fee
$0.00
Upfront fee
$150
Rate
3.13% p.a.
Comparison Rate*
3.15% p.a.
Service fee
$0.00
Upfront fee
$150
Rate
3.28% p.a.
Comparison Rate*
3.13% p.a.
Service fee
$0.00
Upfront fee
$150
Rate
3.38% p.a.
Comparison Rate*
3.23% p.a.
Service fee
$0.00
Upfront fee
$150
Rate
4.77% p.a.
Comparison Rate*
4.68% p.a.
Service fee
$0.00
Upfront fee
$870

Mozo editorial review HSBC Home Value Loan

Last updated: 1 September 2020.

binocular icon
What's hot
  • Competitive 2.59% p.a. variable interest rate (2.60% p.a. comparison rate*)
  • 2020 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 2.59% p.a. (2.60% p.a. comparison rate*), unlimited free extra loan repayments and a free redraw facility, the 2020 Mozo Experts Choice Award winning HSBC Home Value Loan just might be the loan that gets you the home of your dreams.

key icon
Key features

The HSBC Home Value Loan offers a competitive variable rate for owner-occupiers starting at 2.59% p.a. (2.60% 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.

snapshot
Who is it 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.

snapshot
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 27 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

  • 2.59% 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

Fees

  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $0.00

  • $300.00

Other financial bits

  • $50,000

  • $15,000,000

  • none

  • 80.00%

Features

  • 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.

Details

Rates and fees information correct as at 27 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

  • 2.70% 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

  • n/a

  • $0.00

  • $300.00

Other financial bits

  • $50,000

  • $15,000,000

  • 80.00%

  • 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

  • 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 27 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

  • 2.98% 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

Fees

  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $0.00

  • $300.00

Other financial bits

  • $50,000

  • $15,000,000

  • none

  • 80.00%

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

  • 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 27 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

  • 3.13% 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

Fees

  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $0.00

  • $300.00

Other financial bits

  • $50,000

  • $15,000,000

  • 80.00%

  • 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

  • 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 27 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

  • 3.90% 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

Fees

  • $600.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $0.00

  • $300.00

Other financial bits

  • $50,000

  • $7,500,000

  • none

  • 90.00%

Features

  • Owner Occupier

  • Principal & Interest, 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.

Details

Rates and fees information correct as at 27 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

  • 4.52% 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

Fees

  • $600.00

  • $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

  • 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.

Details

Rates and fees information correct as at 27 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

  • 3.03% p.a.

  • n/a

  • n/a

  • n/a

  • 3.04% 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

  • $0.00

  • $300.00

Other financial bits

  • $50,000

  • $7,500,000

  • none

  • 80.00%

Features

  • 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.

Details

Rates and fees information correct as at 27 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

  • 3.13% 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

  • $0.00

  • $300.00

Other financial bits

  • $50,000

  • $7,500,000

  • 80.00%

  • none

Features

  • 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.

Details

Rates and fees information correct as at 27 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

  • 3.28% p.a.

  • n/a

  • n/a

  • n/a

  • 3.13% 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

  • $0.00

  • $300.00

Other financial bits

  • $50,000

  • $7,500,000

  • none

  • 80.00%

Features

  • 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.

Details

Rates and fees information correct as at 27 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

  • 3.38% p.a.

  • n/a

  • n/a

  • n/a

  • 3.23% 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

  • $0.00

  • $300.00

Other financial bits

  • $50,000

  • $7,500,000

  • 80.00%

  • none

Features

  • 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.

Details

Rates and fees information correct as at 27 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

  • 4.77% 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

Fees

  • $600.00

  • $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

  • 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.

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 Value Loan

  • Overall 9/10
    Great rates, easy to contact, and professional!

    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 review

    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.

    Price
    9/10
    Features
    9/10
    Customer service
    9/10
    Convenience
    8/10
    Trust
    10/10
    Less
    Michael, New South Wales reviewed 7 months ago
  • Overall 10/10
    Awesome

    Very helpful with everything

    Read full review

    Very helpful with everything

    Price
    9/10
    Features
    9/10
    Customer service
    9/10
    Convenience
    9/10
    Trust
    9/10
    Less
    Helen, New South Wales reviewed over 4 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 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 review

    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
    Less
    Chris, Victoria reviewed over 8 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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Athena

AcceleRATES Variable Home Loan

2.39% p.a. variableApply now to get this rate from 30 Sep

2.39% p.a.Apply now to get this rate from 30 Sep

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AMP Bank

AMP Bank

Variable Rate Loan (Professional Package)

2.59% p.a. variable

3.00% p.a.

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Promoted

homeloans.com.au

homeloans.com.au

Low Rate Home Loan

2.54% p.a. variable

2.55% p.a.

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ING

ING

Mortgage Simplifier

2.49% p.a.

2.52% p.a.

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loans.com.au

loans.com.au

Smart Home Loan

2.48% p.a.

2.50% p.a.

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Suncorp

Suncorp

Back to Basics

2.68% p.a.

2.69% p.a.

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UBank

UBank

UHomeLoan - Discount Offer

2.49% p.a.

2.49% p.a.

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homeloans.com.au

homeloans.com.au

Low Rate Home Loan

2.54% p.a.

2.55% p.a.

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Athena

Athena

AcceleRATES Variable Home Loan

2.39% p.a.Apply now to get this rate from 30 Sep

2.39% p.a.Apply now to get this rate from 30 Sep

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IMB Bank

IMB Bank

Budget Home Loan

2.61% p.a.

2.67% p.a.

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Yard

Yard

Variable Home Loan Special

2.19% p.a.

2.22% p.a.

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ING

ING

Fixed Rate Loan (Owner Occupiers with Orange Advantage)

2.34% p.a.
fixed 3 years

3.67% p.a.

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UBank

UBank

UHomeLoan (1 Year Fixed)

n/a

n/a

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Suncorp

Suncorp

Fixed Home Loan (Home Package Plus)

2.49% p.a.
fixed 3 years

3.28% p.a.

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HSBC

HSBC

Fixed Rate Home Loan

2.29% p.a.
fixed 3 years

2.95% p.a.

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loans.com.au

loans.com.au

Fixed Home Loan

n/a

n/a

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Newcastle Permanent

Newcastle Permanent

Fixed Rate Home Loan (Premium Plus Package)

2.39% p.a.
fixed 3 years

3.66% p.a.

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Bank of Queensland

Bank of Queensland

Fixed Rate

2.25% p.a.
fixed 3 years

3.41% p.a.

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Macquarie

Macquarie

Basic Home Loan (Fixed)

2.19% p.a.
fixed 3 years

2.60% p.a.

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ING

ING

Mortgage Simplifier

2.49% p.a.

2.52% p.a.

$0.00

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loans.com.au

loans.com.au

Smart Home Loan

2.48% p.a.

2.50% p.a.

$0.00

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Athena

Athena

AcceleRATES Variable Home Loan

2.39% p.a.Apply now to get this rate from 30 Sep

2.39% p.a.Apply now to get this rate from 30 Sep

$0.00

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Promoted

homeloans.com.au

homeloans.com.au

Low Rate Home Loan

2.54% p.a.

2.55% p.a.

$0.00

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ING

ING

Orange Advantage (Package)

2.54% p.a.

2.89% p.a.

$299.00 yearly

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Promoted

Athena

Athena

AcceleRATES Variable Home Loan

2.54% p.a.Apply now to get this rate from 30 Sep

2.46% p.a.Apply now to get this rate from 30 Sep

$0.00

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Homestar

Homestar

Star Essentials Home Loan

2.29% p.a.

2.32% p.a.

$0.00

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Yard

Yard

Variable Home Loan Special

2.19% p.a.

2.22% 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.

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