HSBC Home Value 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 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
2.95% p.a.
2.97% p.a.
$0.00
HSBC Home Value Loan
2.95% p.a.
2.97% p.a.
$0.00
3.23% p.a.
3.25% p.a.
$0.00
HSBC Home Value Loan
3.23% p.a.
3.25% p.a.
$0.00
4.15% p.a.
4.21% p.a.
$0.00
HSBC Home Value Loan
4.15% p.a.
4.21% p.a.
$0.00
4.77% p.a.
4.83% p.a.
$0.00
HSBC Home Value Loan
4.77% p.a.
4.83% p.a.
$0.00
3.28% p.a.
3.34% p.a.
$0.00
HSBC Home Value Loan
3.28% p.a.
3.34% p.a.
$0.00
3.53% p.a.
3.59% p.a.
$0.00
HSBC Home Value Loan
3.53% p.a.
3.59% p.a.
$0.00
5.02% p.a.
5.08% p.a.
$0.00
HSBC Home Value Loan
5.02% p.a.
5.08% p.a.
$0.00
Mozo Review HSBC Home Value Loan Review
Last updated: 6 December 2019.
What's hot:
Competitive 2.95% p.a. variable interest rate (2.97% 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 2.95% p.a. (2.97% 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 2.95% p.a. (2.97% p.a. comparison rate*), available for loans between $50,000 and $7,500,000, allowing you to borrow up to 90% of the propertyās 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 youāll 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. Youāll also have a choice of either weekly, fortnightly or monthly loan repayments.
If you choose to go with the HSBC Home Value Loan youāll 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 youāre an owner occupier looking for a low-rate home loan option with flexible features. This is a particularly good loan option if youāre a first home buyer as youāll only need to pay a 10% deposit, but as a result youāll need to pay lenders mortgage insurance.
Any catches?
If youāre 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 29 January 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
-
2.95% p.a.
-
n/a
-
n/a
-
n/a
-
2.97% 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
-
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
Details
Rates and fees information correct as at 29 January 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
-
3.23% p.a.
-
n/a
-
n/a
-
n/a
-
3.25% 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
-
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
Details
Rates and fees information correct as at 29 January 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
-
4.15% p.a.
-
n/a
-
n/a
-
n/a
-
4.21% 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
Details
Rates and fees information correct as at 29 January 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
-
4.83% 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
Details
Rates and fees information correct as at 29 January 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
-
3.34% 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
Details
Rates and fees information correct as at 29 January 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
-
3.53% p.a.
-
n/a
-
n/a
-
n/a
-
3.59% 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
Details
Rates and fees information correct as at 29 January 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
-
5.02% p.a.
-
n/a
-
n/a
-
n/a
-
5.08% 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
Customer Reviews
How are HSBC home loans rated by the Mozo community?
Latest reviews of HSBC Home Value Loan
-
Awesome
Very helpful with everything
Read full reviewVery helpful with everything
Price9/10Features9/10Customer service9/10Convenience9/10LessTrust9/10 -
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 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..
Price8/10Features8/10Customer service7/10Convenience8/10LessTrust9/10
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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