HSBC home loans

HSBC home loan rates start from 5.49%.

3.8 ★★★★★ (55 reviews) Write a review
HSBC is a global bank offering home loans and other financial services in Australia. HSBC has fixed and variable rate loans, including full-featured package loans. Check out the full table of HSBC products below or read more about the lender and its loans.

Compare HSBC home loans for April 2025

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Name Finder Score Interest Rate p.a. Comparison Rate p.a. Fees Monthly Payment
HSBC logo
Principal & Interest40% min. depositOwner-occupier
HSBC logo
Principal & Interest40% min. depositOwner-occupier
Product NameHSBC Home Value Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.5.74%
Comp. Rate p.a.5.75%
Minimum Loan Amount$50,000
Maximum Loan Amount $15,000,000
Maximum Loan Term30 years
Maximum LVR ≤60%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionNo
Loan Portable
Extra Repayments Yes
Finder score
Interest Rate
5.74%
Comparison Rate
5.75%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$876
HSBC logo
Principal & Interest30% min. depositInvestment
HSBC logo
Principal & Interest30% min. depositInvestment
Product NameHSBC Home Value Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.5.99%
Comp. Rate p.a.6%
Minimum Loan Amount$50,000
Maximum Loan Amount $15,000,000
Maximum Loan Term30 years
Maximum LVR ?70%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionNo
Loan Portable
Extra Repayments Yes
Finder score
Interest Rate
5.99%
Comparison Rate
6%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$900
HSBC logo
Principal & Interest40% min. depositInvestmentOffset account
HSBC logo
Principal & Interest40% min. depositInvestmentOffset account
Product NameHSBC Standard Package Variable Rate
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.09%
Comp. Rate p.a.6.46%
Minimum Loan Amount$50,000
Maximum Loan Amount $15,000,000
Maximum Loan Term
Maximum LVR 60%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan Facility
Fixed Interest OptionNo
Loan Portable
Extra Repayments Yes
Finder score
Interest Rate
6.09%
Comparison Rate
6.46%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$909
HSBC logo
Principal & Interest40% min. depositOwner-occupierOffset account
HSBC logo
Principal & Interest40% min. depositOwner-occupierOffset account
Product NameHSBC Standard Package Variable Rate
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.5.89%
Comp. Rate p.a.6.26%
Minimum Loan Amount$50,000
Maximum Loan Amount $15,000,000
Maximum Loan Term
Maximum LVR 60%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan Facility
Fixed Interest OptionNo
Loan Portable
Extra Repayments Yes
Finder score
Interest Rate
5.89%
Comparison Rate
6.26%
Fees
Application: $0
Ongoing: $390 p.a.
Monthly Payment
$890
HSBC logo
Principal & Interest40% min. depositInvestment
HSBC logo
Principal & Interest40% min. depositInvestment
Product NameHSBC Home Value Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.5.94%
Comp. Rate p.a.5.95%
Minimum Loan Amount$50,000
Maximum Loan Amount $15,000,000
Maximum Loan Term30 years
Maximum LVR ≤60%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionNo
Loan Portable
Extra Repayments Yes
Finder score
Interest Rate
5.94%
Comparison Rate
5.95%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$895
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HSBC key facts

  • HSBC has online banking support and some branch coverage in major cities, but branch coverage is not as extensive as the Big Four or some local competitors.
  • You need at least a 10% deposit to qualify for most HSBC home loans. Many require a 20% deposit or, in some cases, even higher.
  • HSBC also offers personal loans, credit cards, savings accounts, insurance products and other banking services.

Review by our senior home loans writer Richard Whitten

HSBC mortgage features

Here are the key features and details you need to know about HSBC's mortgage products.

FeatureDetails
Minimum depositMany HSBC loans have 90% maximum LVRs. This means you can get the loan with a 10% deposit, but many others require a 20% deposit.
Offset account?Some HSBC loans come with 100% offset accounts, but not all of them do, so check carefully before applying.
FeesWhile HSBC's package loans come with a standard annual fee, many HSBC loans have very minimal fees.
Repayment optionsBoth HSBC's fixed and variable rate loans allow you to make interest-only repayments for a limited period. The lender also offers the standard principal-and-interest repayments on its loans.
Split rateMost HSBC mortgages allow you to split your loan into fixed and variable portions.

How do I apply for an HSBC mortgage?

When applying for any home loan, you will need various documents to establish your identity, financial situation, employment status and details about the property.

Eligibility

Each HSBC product has specific eligibility criteria, but the following will apply to all products:

  • Age. You must be over 18 years of age.
  • Residency. You should be a resident of Australia.
  • Employment. You should have a regular source of income.

Documents required

When you apply for a mortgage with HSBC, you are required to provide certain information, so make sure you have all your documents ready before you apply. You will be expected to provide the following documents:

📄 Property details: You can start a loan enquiry before you've bought a property, but to complete an application, you need the address of the property and a signed contract of sale.

📄 Identification documents. You will need identification such as a driver's licence, passport or birth certificate.

📄 Proof of income documents. Recent payslips can establish your income.

📄 Asset and liability documents. You need to provide documents showing your current assets (savings accounts and investments) and liabilities (your outstanding debt).

How to apply for a home loan

Lenders like HSBC

There are a few international finance groups operating in Australia that are comparable to HSBC. You may also want to consider home loans from a large local bank or an online lender.

  • Citibank. Citigroup is an international bank that has been operating in Australia for decades and offers home loans.
  • ING. This online bank is part of the global, Dutch-based financial group of the same name.

More home loan questions

Compare other products from HSBC

What is Finder Score?

The Finder Score crunches 7,000 home loans across 120+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.

To provide a Score, we compare like-for-like loans. So if you're comparing the best home loans for cashback, you can see how each home loan stacks up against other home loans with the same borrower type, rate type and repayment type. We also take into consideration the amount of cashback offered when calculating the Score so you can tell if it's really worth it.

Read the full Finder Score breakdown

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Richard Whitten's headshot
Money Editor

Richard Whitten is Finder’s Money Editor, with over seven years of experience in home loans, property and personal finance. His insights appear in top media outlets like Yahoo Finance, Money Magazine, and the Herald Sun, and he frequently offers expert commentary on television and radio, helping Australians navigate mortgages and property ownership. Richard holds multiple industry certifications, including a Certificate IV in Mortgage Broking (RG 206) and Tier 1 and Tier 2 certifications (RG 146), as well as a Graduate Certificate in Communications from Deakin University. See full bio

Richard's expertise
Richard has written 596 Finder guides across topics including:
  • Home loans
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Read more on HSBC Home Loans

  • HSBC Home Value Loan

    This HSBC home loan gives you flexibility, a low rate and minimal fees. You can get it with a 10% deposit.

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