RateCity.com.au
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HSBC

Package

Advertised Rate

1.88

% p.a

Fixed - 2 years

Comparison Rate*

2.86

% p.a

Maximum LVR
80%
Real Time Rating™

4.10

/ 5
Monthly Repayment

$1,254

based on $300,000 loan amount for 25 years at 1.88%

Advertised Rate

1.88

% p.a

Fixed - 2 years

Comparison Rate*

2.86

% p.a

Maximum LVR
80%
Real Time Rating™

4.10

/ 5
Monthly Repayment

$1,254

based on $300,000 loan amount for 25 years at 1.88%

Calculate your repayments for this loan

I'd like to borrow

$

Loan term

years

Your estimated repayment

$1,254

based on $300,000 loan amount for 25 years at 1.88%

HSBC home loans are available through brokers who can help find the right loan and manage your application at no charge.

Madhu Chaudhuri

5.0
20 Reviews

Get expert advice from a home loans specialist.

Madhu Chaudhuri’s journey from a practicing Architect to a Broker has shaped her 27-year career in Australia culminating in the formation of her company Finance & Mortgage Solutions in 2001. Her vision to assist people to grow themselves financially, to be able to contribute and flourish in the community is the foundation of her practice, resulting in Industry recognition at the State and National level as a top mortgage broker. At FMS, Madhu leads a multi-lingual team to design and engineer finance solutions whether to build a home and material stability or supporting emerging entrepreneurs to open and run small businesses in their local communities. Coming to Australia as an immigrant herself more than 20 years ago, Madhu has lived experience and understanding of some of the struggles of relocating financially and emotionally- especially for migrants. Recognising the need for multi-lingual and multi-cultural access points, FMS has filled this need for migrant journey’s to be heard and supported. She donates her time for various women’s groups such as Saheli Club and Indian Mums Sydney and receives genuine fulfillment when counselling and advising on financial matters to help women achieve financial independence. She has now also been invited to Lean In Org to be the financial mentor in a workshop series for migrant women. Madhu’s drive lies in genuine connection with the community, recognising that it is built by diverse perspectives and experiences and there is a lot to learn from the young and old collectively. Madhu has sponsored an annual ‘Good Word Award’ at the local public school to support public speaking and communication programs for children for the past 7 years, as well as regular events and outing for the aged South Asian community. Finance & Mortgage Solutions strength lies in guiding, mentoring and coaching clients as well as brokers, which has resulted in growth in cities including Sydney, Melbourne, Brisbane, Adelaide & Canberra. Their services break down a pathway for migrants to financial autonomy into achievable milestones to build a strong, foreseeable financial future in their new country.

Response time: in 31 minutes | Our brokers call during business hours between 9.00am to 6.00pm.

Matthew Hayes

5.0
17 Reviews

Get expert advice from a home loans specialist.

Matthew grew up in Canberra, graduating from Erindale College. As part of the Talented Sports Program for Rugby Union, Matthew developed skills in planning, preparation and execution, skills which he utilises as a mortgage broker to help his clients reach and attain their goals. Matthew is friendly and professional, always ensuring his time with you is stress free and pleasant. He does the hard work for you, helping you find the loan which suits you best. Matthew is dedicated to providing his clients with the best possible service, accommodating you at any time, any location, any day of the week.

Response time: in 10 hours | Our brokers call during business hours between 9.00am to 6.00pm.

Promoted

Quick home loan review

For Package Fixed Rate Home Loan (Principal and Interest) 2 Years (LVR < 80%)

These are the benefits of this home loan.

  • Interest rates ranked in the best 20%
  • No upfront fees
  • Split account option

These are the drawbacks of this home loan.

  • Limited extra repayments
  • No redraw and no offset
  • Loan reverts to higher rate after fixed period
  • Ongoing fee
  • Discharge fee at end of loan
  • No repayment holidays

Home loan overview

For Package Fixed Rate Home Loan (Principal and Interest) 2 Years (LVR < 80%)

Details

Maximum LVR

80%

Total Repayments

Interest rate type

Fixed - 2 years

Borrowing range

Suitable for

Owner Occupiers

Loan term range

1 - 30 years

Principal & interest

Interest only

Applicable states

ACT, NSW, NT, QLD, SA, TAS, VIC, WA

Make repayments

Fortnightly, Monthly, Weekly

Features

Extra repayments

Yes - limited to $10000

Redraw facility

Split interest facility

Loan portable

Repayment holiday available

Allow guarantors

Available for first home buyers

Fees

Total estimated upfront fees

0

Application fee

0

Valuation fee

$0

Settlement fee

0

Other upfront fee

0

Ongoing fee

$390 annually

Discharge fee

300

Application method

Online

Phone

In branch

Specials
  • Cashback Receive $3,288 when you refinance min of $250k
    Terms, condition, eligibility and credit criteria apply. For persons in Australia.
  • Cashback Receive $3,288 when you refinance min of $250k with HSBC
    Terms, condition, eligibility and credit criteria apply. For persons in Australia.
  • Cashback Receive $3,288 when you refinance min of $250k
    Terms, condition, eligibility and credit criteria apply. For persons in Australia.

Other Benefits

Application fee (usually $300) waived

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FAQs

What is the minimum amount you can apply for?

The range you can borrow from this loan is $50k to $7,500,000.

What's the minimum deposit needed for this loan?

This loan option comes with a maximum loan-to-value ratio of 80 percent, which means it requires a minimum deposit of 20 percent

What's the maximum length for this loan?

HSBC allows you to have this loan for a range of 1 to 30 years.

How often can you make repayments?

HSBC allows you to make repayments to this loan option through one of the following repayment schedules: fortnightly, monthly, weekly.

How much will the upfront fees be for this loan?

While it could change based on your circumstances, RateCity estimates that this loan option comes with $0 worth of upfront fees.

Does this loan come with a redraw facility?

No, this loan doesn't come with a redraw facility.

How do you apply for this loan?

To apply for this loan, please contact HSBC.

Can a broker help me with this loan?

Yes, this HSBC loan is available through a broker. Find a broker to help you with your needs.