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A red paint color tin can and a brush on the floor; image used for HSBC Australia renovation loan page.

HSBC Renovation Loan

Live more comfortably. Improve your home faster with an HSBC Renovation Loan.

Why choose a renovation loan from HSBC?

Are you looking to renovate a kitchen? Decorate a bedroom? Even landscape a garden? Whatever you want to do to improve your home, with a Renovation Loan from HSBC you can make it happen faster.

 

By arranging a Renovation Loan, you have a set budget, set repayments, and you’re ready to start making where you live truly yours. Borrow what you need, from $5,000 to $50,000 with flexible loans terms from 1 – 5 years.

Interest Rates

from
8.50% p.a.1
Fixed Rate
from
9.06% p.a.

Comparison Rate

(^Comparison rate warning applies)

Receive funds fast in 4 easy steps

1.Get your rate in a minute

Enter your details to get a personalised rate. This will not impact your credit score.

2.Apply Online

Tell us how much you want to borrow and complete the application.

3.Verify yourself online

We can verify your identity and upload your documents online.

4.Receive the funds

Funds will be released to your account the next day upon approval of the loan and acceptance of your letter of offer.

Rates and fees – Renovation Loan

Rates and fees for a Renovation Loan

Rate Type

Details

Fixed interest rate

from 8.50% p.a. to 16.99% p.a.1 

Comparison rate(^Comparison rate warning applies)

from 9.06% p.a. to 17.53% p.a.

Establishment fee

$150

Monthly account servicing fee

$5

Early termination fee

$199

Rates and fees for a Renovation Loan

Rate Type

Fixed interest rate

Details

from 8.50% p.a. to 16.99% p.a.1 

Rate Type

Comparison rate(^Comparison rate warning applies)

Details

from 9.06% p.a. to 17.53% p.a.

Rate Type

Establishment fee

Details

$150

Rate Type

Monthly account servicing fee

Details

$5

Rate Type

Early termination fee

Details

$199

^The comparison rate is based on an unsecured loan of $30,000 over the term of 5 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.

Fees apply for other account services. Please refer to our current Personal Banking Booklet (PDF, 1.50 MB) for full details.

Ready to apply for an HSBC Renovation Loan?

Who can apply

  • Must be over 18 and be an Australian resident
  • Earn at least $40,000 p.a.
  • Have a good credit rating

Information needed

  • Identification
  • Address details
  • Income and employment

What to expect

  • Complete a short form to know if you are eligible & get your personalised rate
  • Get an instant response in 60 seconds
  • Track application and upload documents online

Renovation Loan FAQs

What is the interest rate on an HSBC Renovation Loan?

The interest rate on an HSBC Renovation Loan is personalised. When you apply online, you will receive an indicative interest rate on your renovation loan.

Fixed Interest Rate                     from 8.50% p.a. to 16.99% p.a.

Comparison Rate                       from 9.06% p.a. to 17.53% p.a.

^Comparison rate warning applies

What is included in the monthly repayment amount?

Your standard monthly repayment will include, interest on loan, monthly service fee, loan repayments. Other payment may apply such as late payment fee, and dishonour fees. Your standard monthly repayments will depend on the amount you are approved for, as well as, the term of your loan.

How long does it take to apply for an HSBC Renovation Loan?

You can apply online in around 10 minutes. You will then receive a response in around 60 seconds along with your indicative Renovation Loan interest rate.

Can I change the frequency of my repayments?

No, your Renovation Loan repayments are fixed monthly over the life of the loan. However, you do have the flexibility to make extra repayments to your Renovation Loan.

Apply for an HSBC Renovation Loan

Ready to Apply?

By clicking on Get started, you will be taken to a short form hosted by our partner Equifax, to determine your Equifax Score Band and the indicative interest rate you could be eligible for.

Want to talk later?

Fill in our short online enquiry form and one of our Consultants will be in touch within 2 business days.

 

Important information

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Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162 Australian Credit Licence 232595. Fees, charges, terms & conditions apply. HSBC's lending criteria apply. Visit hsbc.com.au or call 132 152.

All applications are subject to HSBC lending criteria. Personal Loan Terms (PDF, 684 KB), Personal Banking Booklet (PDF, 1.50 MB) apply.

  1. Rate is applicable to new applications received from: 2 September 2019 (and subject to change). Interest rates range from 8.50% p.a. to 16.99% p.a. and is based on the applicant’s individual Equifax Score Band and may be different to the lowest advertised interest rate. Early termination fee does not apply in the last 6 months of the loan term.

    HSBC have partnered with Equifax who is an Australian consumer credit reporting body. When obtaining your Equifax Score Band, a soft credit check is performed which will not impact your credit rating.
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