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Home Value Loan

A home loan rate that’ll get the neighbourhood talking.

Why choose a Home Value Loan?

Enjoy a competitive variable rate and your own personal HSBC Relationship Manager to guide you through the home loan process.
  • Unlimited free extra repayments
  • Flexibility to redraw additional payments for free
  • No ongoing monthly service fee 

  • Establishment fee waived for Promotional Offer
Promotional offer available on new borrowings from $50,000, rate available from 19 November 2020 and apply by 31 January 2021.

Promotional Offer

Based on an Owner Occupied Interest Rate (Principal and Interest).
2.59% p.a.*
Interest Rate
2.60% p.a.

Comparison Rate
 

^Comparison rate warning applies

Promotional interest rate

Principal and Interest
Deposit amount
Interest rate
Comparison rate
20% or more
2.59% p.a.*
2.60% p.a.
Less than 20%
2.64% p.a.*
2.65% p.a.
Principal and Interest
Deposit amount
20% or more
Interest rate
2.59% p.a.*
Comparison rate
2.60% p.a.
Deposit amount
Less than 20%
Interest rate
2.64% p.a.*
Comparison rate
2.65% p.a.
Interest Only
Deposit amount
Interest rate
Comparison rate
20% or more
2.98% p.a.
2.99% p.a.
Less than 20%
3.13% p.a.
3.14% p.a.
Interest Only
Deposit amount
20% or more
Interest rate
2.98% p.a.
Comparison rate
2.99% p.a.
Deposit amount
Less than 20%
Interest rate
3.13% p.a.
Comparison rate
3.14% p.a.

Promotional offer available on new borrowings from $50,000, rate available from 19 November 2020 and apply by 31 January 2021.

Key product details

Key product details for the Home Value home loan
Product Features
Details
Interest type
Variable
Maximum Loan to Value Ratio (LVR) Owner Occupied
90%1
Maximum Loan to Value Ratio (LVR) Investment
90%1
Loan amount
Apply for ‘$50,000 to $15,000,000, subject to approval.
Combine
Combine it with one of our other competitive home loan products.
Portable
Transfer your home loan to a new property if you decide to move, subject to approval.
Redraw of available funds
Unlimited free redraw
Repayment options
Principal and Interest or Interest Only2 .
Repayment method
Direct Debit Request (DDR)-external or internal deposit account3.
Payment frequency
Schedule your repayments to match the timing of your income. Choose from weekly, fortnightly or monthly repayments.
Additional repayments
The flexibility to make additional repayments without an early repayment fee could save you interest.
Loan term
1 to 30 years.
Purpose
Available for owner-occupied or investment.
Key product details for the Home Value home loan
Product Features
Interest type
Details
Variable
Product Features
Maximum Loan to Value Ratio (LVR) Owner Occupied
Details
90%1
Product Features
Maximum Loan to Value Ratio (LVR) Investment
Details
90%1
Product Features
Loan amount
Details
Apply for ‘$50,000 to $15,000,000, subject to approval.
Product Features
Combine
Details
Combine it with one of our other competitive home loan products.
Product Features
Portable
Details
Transfer your home loan to a new property if you decide to move, subject to approval.
Product Features
Redraw of available funds
Details
Unlimited free redraw
Product Features
Repayment options
Details
Principal and Interest or Interest Only2 .
Product Features
Repayment method
Details
Direct Debit Request (DDR)-external or internal deposit account3.
Product Features
Payment frequency
Details
Schedule your repayments to match the timing of your income. Choose from weekly, fortnightly or monthly repayments.
Product Features
Additional repayments
Details
The flexibility to make additional repayments without an early repayment fee could save you interest.
Product Features
Loan term
Details
1 to 30 years.
Product Features
Purpose
Details
Available for owner-occupied or investment.

Reference rates

Fees and charges

Other fees and charges may apply. Please refer to fees and charges guide.

Apply for a Home Value Home Loan

New customers

New HSBC Australia customers or existing customer who do not have online banking

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The Canstar 5-Star Rating for Outstanding Value Home Lender, and Variable Home Lender in the Owner Occupied category was awarded in March 2020.

^The comparison rate is based on a secured loan of $150,000 over the term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

*Excludes LVR above 80%. Variable interest rate is current as at 19 November 2020 and is subject to change. Maximum loan amount is $15,000,000. Credit provided by HSBC Bank Australia ABN 48 006 434 162. Australia Credit Licence 232595. Home Loan Terms (PDF, 1.2 MB) and Personal Banking Booklet (PDF,1.5 MB) , fees and charges (PDF, 538 KB) and lending criteria apply.

1 Maximum interest only terms available are 3 Years - Owner Occupied and 5 Years – Investment.

2 Loan to Value Ratio (LVR) subject to HSBC's assessment, lending criteria and Lender's Mortgage Insurance (LMI) acceptance.

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