Compare HSBC home loan rates

Find the home loan to best suit your needs. Compare reviews, interest rates, fees and features with Ratecity to make sure you get the right loan.

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 loans

Premier Standard Variable Home LoanSpecialAvailable on new Premier home loan borrowings from $50,000 when applying by 31 July 2018
Advertised rate
3.69%
Variable
Upfront fee
$150.00
Comparison rate*
3.70%
Ongoing fee
$35 monthly
Compare
Home Value Home Loan (Principal and Interest)SpecialNo ongoing monthly or upfront fees and a discounted rate for new borrowings of over $50k. Special offer ends 31 July 2018.
Advertised rate
3.74%
Variable
Upfront fee
$0
Comparison rate*
3.75%
Ongoing fee
$0
Compare
Fixed Rate Home Loan (Principal and Interest) 5 Years
Advertised rate
4.35%
Fixed - 5 years
Upfront fee
$750.00
Comparison rate*
4.93%
Ongoing fee
$0
Compare
Fixed Rate Home Loan (Principal and Interest) 4 Years
Advertised rate
4.25%
Fixed - 4 years
Upfront fee
$750.00
Comparison rate*
4.95%
Ongoing fee
$0
Compare
Fixed Rate Home Loan (Principal and Interest) 3 Years
Advertised rate
4.05%
Fixed - 3 years
Upfront fee
$750.00
Comparison rate*
4.98%
Ongoing fee
$0
Compare
Fixed Rate Home Loan (Principal and Interest) 2 Years
Advertised rate
3.85%
Fixed - 2 years
Upfront fee
$750.00
Comparison rate*
5.04%
Ongoing fee
$0
Compare
Fixed Rate Home Loan (Principal and Interest) 1 Year
Advertised rate
3.80%
Fixed - 1 year
Upfront fee
$750.00
Comparison rate*
5.15%
Ongoing fee
$0
Compare
Premier Fixed Rate Investment Loan (Principal and Interest) 3 Years
Advertised rate
4.25%
Fixed - 3 years
Upfront fee
$450.00
Comparison rate*
5.31%
Ongoing fee
$35 monthly
Compare
Premier Fixed Rate Investment Loan (Principal and Interest) 4 Years
Advertised rate
4.49%
Fixed - 4 years
Upfront fee
$450.00
Comparison rate*
5.33%
Ongoing fee
$35 monthly
Compare
Premier Fixed Rate Investment Loan (Principal and Interest) 2 Years
Advertised rate
4.15%
Fixed - 2 years
Upfront fee
$450.00
Comparison rate*
5.36%
Ongoing fee
$35 monthly
Compare
Premier Fixed Rate Investment Loan (Principal and Interest) 1 Year
Advertised rate
4.10%
Fixed - 1 year
Upfront fee
$450.00
Comparison rate*
5.44%
Ongoing fee
$35 monthly
Compare
Fixed Rate Investment Loan (Principal and Interest) 3 Years
Advertised rate
4.35%
Fixed - 3 years
Upfront fee
$750.00
Comparison rate*
5.50%
Ongoing fee
$0
Compare
Fixed Rate Investment Loan (Principal and Interest) 2 Years
Advertised rate
4.15%
Fixed - 2 years
Upfront fee
$750.00
Comparison rate*
5.59%
Ongoing fee
$0
Compare
Fixed Rate Investment Loan (Principal and Interest) 1 Year
Advertised rate
4.10%
Fixed - 1 year
Upfront fee
$750.00
Comparison rate*
5.74%
Ongoing fee
$0
Compare
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.
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