HSBC Home Loan Rates

HSBC is one of the world’s largest banks and provides a range of financial products, including home loans, credit cards, bank accounts, personal loans and insurance. It was founded in 1865 and is headquartered in London.

HSBC home loans range from standard owner-occupier home loans and investor home loans to specialist market linked loans, line-of-credit loans, home equity loans and more.

HSBC has branches throughout most states in Australia and offers customer service online, via email and over the phone.

HSBC home loan repayment calculator

Thinking about taking out a home loan with HSBC? Use our home loan calculator to see how much you’d have to repay under different borrowing scenarios. You can also see how HSBC home loans compare with other options.

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HSBC home loans rates

Now showing 1 - 69 of 69 home loans

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Product	Advertised Rate	Total estimated upfront fees	Company	Comparison Rate*	Ongoing fee	Go to site
Home Value Loan special Get a low variable interest rate loan with no ongoing fees. Plus you can make extra repayments and free redraw online. Expiry date: 31/08/2020	2.65% Variable	$0	Promoted Home Value Loan	2.66%	$0	View Now	More details
Fixed Rate Loan	2.29% Fixed - 3 years	$0	Fixed Rate Loan	2.95%	$0		More details
Fixed Rate Loan	2.50% Fixed - 4 years	$0	Fixed Rate Loan	2.95%	$0		More details
Fixed Rate Loan	2.09% Fixed - 2 years	$0	Fixed Rate Loan	2.98%	$0	View Now	More details
Fixed Rate Loan	2.70% Fixed - 5 years	$0	Fixed Rate Loan	2.99%	$0		More details
Home Value Loan	3.03% Variable	$750	Home Value Loan	3.04%	$0		More details
Premier	2.19% Fixed - 3 years	$0	Premier	3.07%	$35 monthly		More details
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Fixed Rate Loan	2.25% Fixed - 1 year	$0	Fixed Rate Loan	3.09%	$0		More details
Premier	2.09% Fixed - 2 years	$0	Premier	3.10%	$35 monthly		More details
Fixed Rate Loan	2.65% Fixed - 4 years	$0	Fixed Rate Loan	3.10%	$0		More details
Fixed Rate Loan	2.50% Fixed - 3 years	$0	Fixed Rate Loan	3.11%	$0		More details
Premier	2.40% Fixed - 4 years	$0	Premier	3.13%	$35 monthly		More details
Fixed Rate Loan	2.85% Fixed - 5 years	$0	Fixed Rate Loan	3.14%	$0		More details
Fixed Rate Loan	2.40% Fixed - 2 years	$0	Fixed Rate Loan	3.16%	$0		More details
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Premier	2.60% Fixed - 5 years	$0	Premier	3.18%	$35 monthly		More details
Premier	2.25% Fixed - 1 year	$0	Premier	3.21%	$35 monthly		More details
Premier	2.75% Variable	$450	Premier	3.21%	$35 monthly		More details
Fixed Rate Loan	2.79% Fixed - 5 years	$750	Fixed Rate Loan	3.21%	$0		More details
Fixed Rate Loan	2.69% Fixed - 4 years	$750	Fixed Rate Loan	3.22%	$0		More details
Fixed Rate Loan	2.49% Fixed - 3 years	$750	Fixed Rate Loan	3.23%	$0		More details
Fixed Rate Loan	2.40% Fixed - 1 year	$0	Fixed Rate Loan	3.24%	$0		More details
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Premier	2.40% Fixed - 3 years	$0	Premier	3.27%	$35 monthly		More details
Premier	2.55% Fixed - 4 years	$0	Premier	3.27%	$35 monthly		More details
Fixed Rate Loan	2.39% Fixed - 2 years	$750	Fixed Rate Loan	3.29%	$0		More details
Fixed Rate Loan	2.69% Fixed - 3 years	$750	Fixed Rate Loan	3.29%	$0		More details
Premier	2.40% Fixed - 2 years	$0	Premier	3.30%	$35 monthly		More details
Fixed Rate Loan	2.89% Fixed - 4 years	$750	Fixed Rate Loan	3.30%	$0		More details
Fixed Rate Loan	2.99% Fixed - 5 years	$750	Fixed Rate Loan	3.30%	$0		More details
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Premier	2.75% Fixed - 5 years	$0	Premier	3.32%	$35 monthly		More details
Fixed Rate Loan	2.85% Fixed - 3 years	$750	Fixed Rate Loan	3.32%	$0		More details
Fixed Rate Loan	2.59% Fixed - 2 years	$750	Fixed Rate Loan	3.33%	$0		More details
Premier	2.40% Fixed - 1 year	$0	Premier	3.35%	$35 monthly		More details
Fixed Rate Loan	2.75% Fixed - 2 years	$750	Fixed Rate Loan	3.35%	$0		More details
Premier	2.39% Fixed - 3 years	$150	Premier	3.39%	$35 monthly		More details
Fixed Rate Loan	2.49% Fixed - 1 year	$750	Fixed Rate Loan	3.39%	$0		More details
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Premier	2.59% Fixed - 4 years	$150	Premier	3.40%	$35 monthly		More details
Fixed Rate Loan	2.75% Fixed - 1 year	$750	Fixed Rate Loan	3.40%	$0		More details
Premier	2.59% Fixed - 3 years	$150	Premier	3.41%	$35 monthly		More details
Premier	2.69% Fixed - 5 years	$150	Premier	3.41%	$35 monthly		More details
Fixed Rate Loan	2.69% Fixed - 1 year	$750	Fixed Rate Loan	3.41%	$0		More details
Premier	2.75% Fixed - 3 years	$150	Premier	3.42%	$35 monthly		More details
Premier	2.79% Fixed - 4 years	$150	Premier	3.43%	$35 monthly		More details
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Premier	2.89% Fixed - 5 years	$150	Premier	3.44%	$35 monthly		More details
Premier	2.39% Fixed - 2 years	$150	Premier	3.45%	$35 monthly		More details
Premier	2.75% Fixed - 2 years	$150	Premier	3.45%	$35 monthly		More details
Premier	2.59% Fixed - 2 years	$150	Premier	3.46%	$35 monthly		More details
Fixed Rate Loan	3.00% Fixed - 3 years	$750	Fixed Rate Loan	3.47%	$0		More details
Premier	2.75% Fixed - 1 year	$150	Premier	3.49%	$35 monthly		More details
Fixed Rate Loan	2.90% Fixed - 2 years	$750	Fixed Rate Loan	3.50%	$0		More details
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Premier	2.49% Fixed - 1 year	$150	Premier	3.52%	$35 monthly		More details
Premier	2.69% Fixed - 1 year	$150	Premier	3.53%	$35 monthly		More details
Fixed Rate Loan	2.90% Fixed - 1 year	$750	Fixed Rate Loan	3.55%	$0		More details
Premier	2.90% Fixed - 3 years	$150	Premier	3.56%	$35 monthly		More details
Premier	3.13% Variable	$450	Premier	3.58%	$35 monthly		More details
Premier	2.90% Fixed - 2 years	$150	Premier	3.60%	$35 monthly		More details
Premier	2.90% Fixed - 1 year	$150	Premier	3.63%	$35 monthly		More details
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Premier	3.20% Variable	$450	Premier	3.64%	$35 monthly		More details
Home Equity Loan	3.84% Variable	$750	Home Equity Loan	3.89%	$0		More details
Home Value Loan	3.90% Variable	$750	Home Value Loan	3.96%	$0		More details
Home Value Loan	3.90% Variable	$0	Home Value Loan	3.96%	$0		More details
Home Equity Loan	4.23% Variable	$750	Home Equity Loan	4.29%	$0		More details
Variable Rate Loan	4.51% Variable	$750	Variable Rate Loan	4.57%	$0		More details
Variable Rate Loan	4.51% Variable	$750	Variable Rate Loan	4.57%	$0		More details
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Home Smart Loan	4.51% Variable	$750	Home Smart Loan	4.57%	$0		More details
Home Value Loan	4.52% Variable	$750	Home Value Loan	4.58%	$0		More details
Home Value Loan	4.77% Variable	$750	Home Value Loan	4.83%	$0		More details
Variable Rate Loan	5.13% Variable	$750	Variable Rate Loan	5.19%	$0		More details
Home Smart Loan	5.13% Variable	$750	Home Smart Loan	5.19%	$0		More details
Variable Rate Loan	5.38% Variable	$750	Variable Rate Loan	5.44%	$0		More details

Data last updated on 12 Aug 2020

Read our important disclosures and general advice warning

Pros

Large variety of home loan products.
Extensive customer support.
Opportunity to bundle with other HSBC products.
Offers discounts on interest rates.

Cons

Some loans have moderate to high fees.
Some interest rates aren’t competitive.

HSBC customer service

HSBC customers are spoilt for choice when it comes to contacting customer support. The HSBC contact centre hotline operates round the clock giving account holders 24/7 access to customer support. In addition, HSBC customer can contact a personal banking representative directly by email or by using the online enquiry form. HSBC also gives its customers the option of directing customer enquiries through Twitter. Customers also have the option of chatting directly with HSBC customer support through the online chat function on the HSBC website.

Customer service (phone, email branch)

Mobile app

Online banking

Live Chat

How to Apply

Borrowers wanting to apply for an HSBC home loan can either complete an online enquiry form, pop into a branch or call through to the Contact Centre for more support. Before applying for an HSBC home loan, consider what you can afford to borrow and what other costs you need to factor in. To apply for an HSBC home loan, you will need to supply the following information:

Proof of identity by providing 100 points of identification.
Proof of income and employment including employers contact details.
Provide a list of debts, assets and liabilities.

About HSBC home loans

HSBC home loans are popular options for investors buying property using foreign currency (expatriate home loans and market linked home loans) thanks to the bank’s large presence in Hong Kong.

However, it also offers a range of other home loans, including owner-occupier home loans, local investor home loans, construction loans and lines of credit.

HSBC offers home loans to suit a variety of borrowers in Australia:

Investors
First homebuyers
Renovators
Upgraders
Refinancers
Seniors (home equity loans)

Borrowers can also choose from a variety of interest rate options on HSBC mortgages:

Principal-and-interest home loans
Interest-only home loans
Split home loans
Variable interest rates
Fixed interest rates

Some HSBC home loans come with limited-time interest rate discounts and other introductory offers. HSBC Premier home loans also offer additional benefits to customers who meet the eligibility requirements.

HSBC home loan rates range from moderately low to high depending on the type of borrower and home loan. Generally speaking, owner occupiers paying principal and interest receive the lowest interest rates while investors paying interest only receive the highest interest rates.

Home loan rates can also vary based on whether they are variable or fixed, and how much of a deposit is put down.

Typically, HSBC borrowers who can make large deposits can also negotiate lower interest rates. With this in mind, HSBC home loans are generally geared towards customers with existing capital – although high-LVR loans are available in some circumstances.

In terms of fees, upfront fees tend to be high, while ongoing fees tend to be very low. A discharge fee may also apply at the end of the loan term. Loan repayments can be made weekly, fortnightly or monthly.

HSBC home loans review

HSBC offers a range of home loan options, primarily aimed at overseas and local investors. However, it also offers home loans for first homebuyers, upgraders and refinancers.

While some HSBC home loans come with moderately low interest rates, others attract high interest rates – so it’s important to compare what’s on the market before deciding if an HSBC home loan is the most suitable option.

Similarly, some HSBC mortgages come with an offset account and redraw facility while others don’t, meaning the level of flexibility depends on the type of home loan chosen.

Although HSBC is an established and well-known bank, it isn’t necessarily the cheapest when it comes to interest rates and fees. Borrowers may get the most value out of their home loan by taking advantage of rate discounts, special offers or other benefits through HSBC Premier.

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