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Package
- Owner Occupied
- Fixed 4 years
- 40% min deposit
- P&I
Interest rate p.a.
5.69%
Comparison rate* p.a.
6.31%
Package
- Owner Occupied
- Fixed 4 years
- 40% min deposit
- P&I
Interest rate p.a.
5.69%
Comparison rate* p.a.
6.31%
HSBC Fixed - 4 years Rate Home Loan overview
For Package Fixed Rate Home Loan (Principal and Interest) 4 Years (LVR < 60%)
Principal & Interest (P&I)
Loan type
Loan to value ratio
Interest rate
Comparison rate
Interest only
Loan type
Loan to value ratio
Interest rate
Comparison rate
Details
Maximum LVR
60%
Total repayments
Interest rate type
Fixed - 4 years
Borrowing range
$50k - $7.5m
Suitable for
Owner Occupiers
Loan term range
1 - 30 years
Repayment type
Principal and Interest
Applicable states
ACT, NSW, NT, QLD, SA, TAS, VIC, WA
Repayment options
Fortnightly, Monthly, Weekly
Target Market Determination
Visit HSBC Bank Australia Limited to view Target Market Determination.
Features
Extra repayments
Allowed with restrictions
Redraw facility
Offset account
Split interest facility
Loan portability
Repayment holiday available
Allow guarantors
Available for first home buyers
Other benefits
Application fee (usually $300) waived
Fees
Total estimated upfront fees
$0
Application fee
$0
Legal fee
$0
Valuation fee
$0
Settlement fee
$0
Other upfront fee
$0
Ongoing fee
$390
Discharge fee
$300
Pros and Cons
For Package
Benefits
- Interest rates ranked in the best 20%
- No upfront fees
- Split account option
Drawbacks
- Limited extra repayments
- No redraw and no offset
- Loan reverts to higher rate after fixed period
- Ongoing fee
- Discharge fee at end of loan
- Maximum loan amount is limited to 60% of the property's value
- No repayment holidays
