Important disclosure

HSBC Bank Australia Limited

Package

  • Owner Occupied
  • Fixed undefined year
  • 40% min deposit
  • P&I
Interest Rate

5.69%

p.a

Comparison Rate*

6.31%

p.a

Real Time Rating™
Tags
  • Owner Occupied
  • Fixed undefined year
  • 40% min deposit
  • P&I
Interest Rate

5.69%

p.a

Comparison Rate*

6.31%

p.a

Monthly Repayment

$3,127

based on $500,000 loan amount for 25 years at 5.69%

Calculate your repayments for this loan

$

Your estimated repayment

$3,127

based on $500,000 loan amount for 25 years at 5.69%

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

Spencer Lawson

QLD, 4300

Australian Credit Licence: 392200

Alisa Keattichaidumrong

VIC, 3978

Customer Representative Number: 542499

Viet Nguyen

VIC, 3023

Australian Credit Licence: 392200

Pros and cons

For Package Fixed Rate Home Loan (Principal and Interest) 4 Years (LVR < 60%)

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

HSBC Fixed - 4 years Rate Home loan overview

For Package Fixed Rate Home Loan (Principal and Interest) 4 Years (LVR < 60%)

Details

Maximum LVR

60%

Total Repayments

Interest rate type

Fixed - 4 years

Borrowing range

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

Yes - limited to $10000

Redraw facility

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

Valuation fee

$0

Settlement fee

$0

Other upfront fee

$0

Ongoing fee

$390

Discharge fee

$300

How to apply

If you'd like to apply for this home loan or just get more information, follow the application process to speak to an HSBC mortgage specialist.

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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 60 percent, which means it requires a minimum deposit of 40 percent

What's the maximum length for this loan?

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

How often can you make repayments?

HSBC Bank Australia Limited 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 Bank Australia Limited.

Can a broker help me with this loan?

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