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 | < 60% | $150,000 | $7,500,000 |
|
Owner Occupier | Principal & Interest | 70%-80% | $150,000 | $7,500,000 |
|
Owner Occupier | Principal & Interest | 70%-80% | $750,000 | $15,000,000 |
|
Owner Occupier | Principal & Interest, Interest Only | 80%-90% | $150,000 | $7,500,000 |
|
Owner Occupier | Interest Only | < 80% | $750,000 | $15,000,000 |
|
Investor | Principal & Interest | < 70% | $150,000 | $7,500,000 |
|
Investor | Principal & Interest | < 60% | $150,000 | $7,500,000 |
|
Owner Occupier | Interest Only | < 80% | $50,000 | $750,000 |
|
Investor | Principal & Interest | 70%-80% | $750,000 | |
|
Investor | Principal & Interest | 70%-80% | $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% | $750,000 |
HSBC know a thing or two about providing great value financial products. The HSBC Variable Home Loan (with Home Loan Package) offers a 6.09% variable rate (6.46% comparison rate*) for LVR less than or equal to 80%. 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.
The HSBC Premier Variable Home Loan (with Home Loan Package) is all about flexibility. With this loan, you could have a variable rate of:
You'll also have 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.
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.
6.14% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
6.51% 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 |
|
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.
6.09% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
6.46% 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 |
|
60.00% |
Owner Occupier |
|
Principal & Interest |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
no |
|
yes - free |
|
$0.00 |
|
yes |
|
yes |
|
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.
6.19% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
6.56% 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 |
|
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.
6.19% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
6.56% 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 |
$750,000 |
|
$15,000,000 |
|
70.00% |
|
80.00% |
Owner Occupier |
|
Principal & Interest |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
no |
|
yes - free |
|
$0.00 |
|
yes |
|
yes |
|
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.
6.49% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
6.85% 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 |
|
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.
6.69% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
6.68% 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 |
$750,000 |
|
$15,000,000 |
|
none |
|
80.00% |
Owner Occupier |
|
Interest Only |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
no |
|
yes - free |
|
$0.00 |
|
yes |
|
yes |
|
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.
6.34% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
6.71% 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 |
|
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.
6.29% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
6.66% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$0.00 |
|
n/a |
|
$390.00 yearly |
|
$300.00 |
$150,000 |
|
$7,500,000 |
|
none |
|
60.00% |
Investor |
|
Principal & Interest |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
no |
|
yes - free |
|
$0.00 |
|
yes |
|
yes |
|
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.
6.69% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
6.68% 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 |
$50,000 |
|
$750,000 |
|
none |
|
80.00% |
Owner Occupier |
|
Interest Only |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
no |
|
yes - free |
|
$0.00 |
|
yes |
|
yes |
|
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.
6.39% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
6.76% 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 |
$750,000 |
|
none |
|
70.00% |
|
80.00% |
Investor |
|
Principal & Interest |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
no |
|
yes - free |
|
$0.00 |
|
yes |
|
yes |
|
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.
6.39% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
6.76% 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 |
|
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.
6.69% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
7.05% 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 |
|
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.
6.69% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
6.86% 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% |
Investor |
|
Interest Only |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
no |
|
yes - free |
|
$0.00 |
|
yes |
|
yes |
|
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.
6.99% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
7.16% 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 |
$750,000 |
|
none |
|
80.00% |
|
90.00% |
Investor |
|
Interest Only |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
no |
|
yes - free |
|
$0.00 |
|
yes |
|
yes |
|
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.
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.
Home Value Loan
5.99% p.a.
5.99% p.a.
$0.00
Home Value Loan
6.09% p.a. variable
6.09% p.a.
Fixed Rate
6.59% p.a.
fixed 3 years
7.06% p.a.
Mortgage Simplifier
6.14% p.a. variable
6.17% p.a.
Flex Home Loan
6.24% p.a. variable
6.48% p.a.
Elevate
6.09% p.a. variable
6.20% p.a.
SMSF Home Loan (Variable)
6.99% p.a. variable
7.00% p.a.
Fixed Rate Loan (with Orange Advantage)
5.99% p.a.
fixed 3 years
6.12% p.a.
Elevate
6.09% p.a.
6.20% p.a.
Mortgage Simplifier
6.14% p.a.
6.17% p.a.
Flex Home Loan Fixed
5.99% p.a.
fixed 3 years
6.41% p.a.
Fixed Rate Loan (with Orange Advantage)
5.99% p.a.
fixed 3 years
6.12% p.a.
Fixed Rate
6.59% p.a.
fixed 3 years
7.06% p.a.
Flex Home Loan Fixed
5.99% p.a.
fixed 3 years
6.41% p.a.
Home Value Loan
6.09% p.a.
6.09% p.a.
$0.00
Elevate
6.09% p.a.
6.20% p.a.
$0.00
First Home Buyer Loan
5.90% p.a.
5.93% p.a.
$0.00
Basic Variable Home Loan
5.94% p.a.
5.99% p.a.
$0.00
First Home Buyer Advantage Plus Home Loan
5.99% p.a.
6.76% 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.