The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 and $7,500,000 with an LVR below 70%
The details shown below are for an owner occupier taking out a principal & interest, interest only loan between $150,000 and $7,500,000 with an LVR below 90%
The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 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 $150,000 and $7,500,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan between $150,000 and $7,500,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan between $150,000 and $7,500,000 with an LVR below 70%
The details shown below are for an investor taking out a principal & interest loan between $150,000 and $7,500,000 with an LVR below 90%
The details shown below are for an investor taking out a interest only loan between $150,000 and $7,500,000 with an LVR below 80%
The details shown below are for an investor taking out a interest only loan between $150,000 and $7,500,000 with an LVR below 90%
Choose the version of this loan that suits you best
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
|
|
Owner Occupier | Principal & Interest | < 70% | $150,000 | $7,500,000 |
|
|
Owner Occupier | Principal & Interest, Interest Only | 80%-90% | $150,000 | $7,500,000 |
|
|
Owner Occupier | Principal & Interest | 70%-80% | $150,000 | $7,500,000 |
|
|
Owner Occupier | Interest Only | < 80% | $150,000 | $7,500,000 |
|
|
Investor | Principal & Interest | 70%-80% | $150,000 | $7,500,000 |
|
|
Investor | Principal & Interest | < 70% | $150,000 | $7,500,000 |
|
|
Investor | Principal & Interest | 80%-90% | $150,000 | $7,500,000 |
|
|
Investor | Interest Only | < 80% | $150,000 | $7,500,000 |
|
|
Investor | Interest Only | 80%-90% | $150,000 | $7,500,000 |
Owner Occupier (Principal & Interest)
LVR < 70%
Loan: $150,000 $7,500,000
Owner Occupier (Principal & Interest, Interest Only)
LVR 80%-90%
Loan: $150,000 $7,500,000
Owner Occupier (Principal & Interest)
LVR 70%-80%
Loan: $150,000 $7,500,000
Owner Occupier (Interest Only)
LVR < 80%
Loan: $150,000 $7,500,000
Investor (Principal & Interest)
LVR 70%-80%
Loan: $150,000 $7,500,000
Investor (Principal & Interest)
LVR < 70%
Loan: $150,000 $7,500,000
Investor (Principal & Interest)
LVR 80%-90%
Loan: $150,000 $7,500,000
Investor (Interest Only)
LVR < 80%
Loan: $150,000 $7,500,000
Investor (Interest Only)
LVR 80%-90%
Loan: $150,000 $7,500,000
With multiple Mozo Experts Choice Awards under its belt, HSBC know a thing or two about providing great value financial products. The HSBC Variable Home Loan (with Home Loan Package) offers a variable rate of 2.37% with a 3.79% comparison rate*. While there is a $35 monthly service fee, you’ll be able make free extra repayments to your loan as well as have access to the free redraw facility and an offset account.
On top of all these features, HSBC is currently offering cashback of up to $3,288 for new customers refinancing from another bank or lender. (Must apply by 31 August 2022, settle by 31 October 2022).
The HSBC Premier Variable Home Loan (with Home Loan Package) is all about flexibility. With this loan, you’ll have a 3.37% variable rate and 3.79% comparison rate*, plus the option to split your loan between fixed and variable rates if you ever want to lock in your rate.
Your can also pay your loan off on a schedule that suits you best - either weekly, fortnightly or monthly, while saving on interest with the free extra repayments feature and 100% offset account. And if you’re ever hit with an unexpected bill, you’ll be able to redraw any of these extra repayments for free.
This home loan just got a little bit sweeter for refinancers too, as HSBC is currently offering up to $3,288 cashback for new customers refinancing from another lender or bank. To be eligible you will have to be refinancing a loan of at least $250,000 and apply by 31 August 2022. If you do meet the terms and conditions, HSBC will transfer the cashback into your HSBC Transaction or Home Loan Account with 60 days of settlement.
You’ll need to factor the $300 application fee into your budget along with the $35 monthly service fee and while you are able to borrow with as little as a 10% deposit, remember that if you do you’ll have to pay Lenders Mortgage Insurance (LMI), as with any home loan.
The HSBC Variable Home Loan (with Home Loan Package) is a good choice for borrowers who are looking for a low rate loan of up to $7.5 million and want the flexibility and value of a few extra features, like the 100% offset account.
You will also need to consider whether the loan’s flexible features outweigh the $300 application fee and $35 monthly service fee.
|
3.37% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
3.79% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$390.00 yearly |
|
|
$300.00 |
|
$150,000 |
|
|
$7,500,000 |
|
|
none |
|
|
70.00% |
|
Owner Occupier |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
no |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
yes |
|
|
none |
|
|
none |
|
|
Receive $3,288 cashback when you refinance an existing home loan of $250,000. Must apply by 31 August 2022 and settle by 31 October 2022. |
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.
|
3.47% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
3.89% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$390.00 yearly |
|
|
$300.00 |
|
$150,000 |
|
|
$7,500,000 |
|
|
80.00% |
|
|
90.00% |
|
Owner Occupier |
|
|
Principal & Interest, Interest Only |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
no |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
yes |
|
|
none |
|
|
none |
|
|
Receive $3,288 cashback when you refinance an existing home loan of $250,000. Must apply by 31 August 2022 and settle by 31 October 2022. |
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.
|
3.42% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
3.84% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$390.00 yearly |
|
|
$300.00 |
|
$150,000 |
|
|
$7,500,000 |
|
|
70.00% |
|
|
80.00% |
|
Owner Occupier |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
no |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
yes |
|
|
none |
|
|
none |
|
|
Receive $3,288 cashback when you refinance an existing home loan of $250,000. Must apply by 31 August 2022 and settle by 31 October 2022. |
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.
|
3.62% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
3.86% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$390.00 yearly |
|
|
$300.00 |
|
$150,000 |
|
|
$7,500,000 |
|
|
none |
|
|
80.00% |
|
Owner Occupier |
|
|
Interest Only |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
no |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
yes |
|
|
none |
|
|
none |
|
|
Receive $3,288 cashback when you refinance an existing home loan of $250,000. Must apply by 31 August 2022 and settle by 31 October 2022. |
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.
|
3.57% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
3.98% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$390.00 yearly |
|
|
$300.00 |
|
$150,000 |
|
|
$7,500,000 |
|
|
70.00% |
|
|
80.00% |
|
Investor |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
no |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
yes |
|
|
none |
|
|
none |
|
|
Receive $3,288 cashback when you refinance an existing home loan of $250,000. Must apply by 31 August 2022 and settle by 31 October 2022. |
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.
|
3.52% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
3.93% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$390.00 yearly |
|
|
$300.00 |
|
$150,000 |
|
|
$7,500,000 |
|
|
none |
|
|
70.00% |
|
Investor |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
no |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
yes |
|
|
none |
|
|
none |
|
|
Receive $3,288 cashback when you refinance an existing home loan of $250,000. Must apply by 31 August 2022 and settle by 31 October 2022. |
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.
|
3.62% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
4.03% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$390.00 yearly |
|
|
$300.00 |
|
$150,000 |
|
|
$7,500,000 |
|
|
80.00% |
|
|
90.00% |
|
Investor |
|
|
Principal & Interest |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
no |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
yes |
|
|
none |
|
|
none |
|
|
Receive $3,288 cashback when you refinance an existing home loan of $250,000. Must apply by 31 August 2022 and settle by 31 October 2022. |
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.
|
3.77% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
4.02% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$390.00 yearly |
|
|
$300.00 |
|
$150,000 |
|
|
$7,500,000 |
|
|
none |
|
|
80.00% |
|
Investor |
|
|
Interest Only |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
no |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
yes |
|
|
none |
|
|
none |
|
|
Receive $3,288 cashback when you refinance an existing home loan of $250,000. Must apply by 31 August 2022 and settle by 31 October 2022. |
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.
|
3.82% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
4.07% p.a. |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
n/a |
|
|
$390.00 yearly |
|
|
$300.00 |
|
$150,000 |
|
|
$7,500,000 |
|
|
80.00% |
|
|
90.00% |
|
Investor |
|
|
Interest Only |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
no |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
yes |
|
|
none |
|
|
none |
|
|
Receive $3,288 cashback when you refinance an existing home loan of $250,000. Must apply by 31 August 2022 and settle by 31 October 2022. |
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.
When RBA rates go down they take months to pass on savings, but RBA increases result in an instant rate increase
Read full reviewWhen RBA rates go down they take months to pass on savings, but RBA increases result in an instant rate increase
HSBC offer an excellent rate and their customer service has been good. Their app is only mediocre and their information could be clearer. I am worried by their support for illegal arms dealers and manufacturers of cluster munitions, however.
Read full reviewHSBC offer an excellent rate and their customer service has been good. Their app is only mediocre and their information could be clearer. I am worried by their support for illegal arms dealers and manufacturers of cluster munitions, however.
Good service
Read full reviewWe move alot from Australia to Overseas and the bank does all the setup for us.
Read full reviewWe move alot from Australia to Overseas and the bank does all the setup for us.
We have received best personal service since the day of joining the bank. The bank manager and our personal bank officer always make it a point to come out and say hello, look after our needs and make us feel special. Therefore, despite the inconvenience of having only one branch in the ACT, we are prepared to travel a bit further for the personalised service.
Read full reviewWe have received best personal service since the day of joining the bank. The bank manager and our personal bank officer always make it a point to come out and say hello, look after our needs and make us feel special. Therefore, despite the inconvenience of having only one branch in the ACT, we are prepared to travel a bit further for the personalised service.
HSBC
Fixed Rate Home Loan (Home Loan Package)
p.a.
4.53% p.a.
$390.00 yearly
loans.com.au
Smart Booster Home Loan
3.60% p.a.variable for 24 months and then 4.00% p.a. variable
3.96% p.a.
loans.com.au
Smart Booster Home Loan
3.60% p.a.variable for 24 months and then 4.00% p.a. variable
3.96% p.a.
loans.com.au
Smart Booster Home Loan
3.74% p.a.variable for 12 months and then 4.23% p.a. variable
4.22% p.a.
loans.com.au
Smart Booster Home Loan
3.60% p.a.variable for 24 months and then 4.00% p.a.
3.96% p.a.
Qudos Bank
No Frills Home Loan
2.99% p.a.
2.99% 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.
