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 owner occupier 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 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 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 with an LVR below 80%
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 | $7,500,000 |
| | Owner Occupier | Interest Only | < 80% | $50,000 | $7,500,000 |
| | Owner Occupier | Principal & Interest, Interest Only | < 90% | $50,000 | $7,500,000 |
| | Investor | Principal & Interest | < 80% | $50,000 | $7,500,000 |
| | Investor | Principal & Interest | < 80% | $50,000 | $7,500,000 |
| | Investor | Interest Only | < 80% | $50,000 | $7,500,000 |
| | Investor | Interest Only | < 80% | $50,000 | $7,500,000 |
Owner Occupier (Principal & Interest)
LVR < 80%
Loan: $50,000 $7,500,000
Owner Occupier (Interest Only)
LVR < 80%
Loan: $50,000 $7,500,000
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 (Interest Only)
LVR < 80%
Loan: $50,000 $7,500,000
Investor (Interest Only)
LVR < 80%
Loan: $50,000 $7,500,000
With a super competitive variable principal and interest rate for owner-occupiers starting at 2.65% p.a. (2.66% 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.
The HSBC Home Value Loan offers a competitive variable rate for owner-occupiers starting at 2.65% p.a. (2.66% 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.
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.
If you’re opting for an interest only loan, keep in mind that this is only available for a maximum of 5 years.
2.65% p.a.
n/a
n/a
n/a
2.66% 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
$7,500,000
none
80.00%
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
2.98% 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
$7,500,000
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
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
$7,500,000
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
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
$7,500,000
none
80.00%
Investor
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
no
none
none
none
3.03% p.a.
n/a
n/a
n/a
3.09% 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
$7,500,000
none
80.00%
Investor
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
no
none
none
none
3.28% p.a.
n/a
n/a
n/a
3.34% 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
$7,500,000
none
80.00%
Investor
Interest Only
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
no
none
none
none
4.77% p.a.
n/a
n/a
n/a
4.83% 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
$7,500,000
none
80.00%
Investor
Interest Only
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
no
none
none
none
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!
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