Category: Home Loans Last Updated February 22, 2024 Effective May 3, 2024
General Lending Rates
Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information O/O Package Fixed 4 Years P&I (LVR 60-80%)
Interest Rate 5.69% PA
Comparison Rate 6.37%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.09%, Comparison Rate 6.62%
Repayment Type: Interest Only
Loan Purpose: Investment
LVR
Minimum: 80.01 PERCENT Maximum: 99.99 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.39%, Comparison Rate 6.92%
Repayment Type: Interest Only
Loan Purpose: Investment
LVR
Minimum: 60.01 PERCENT Maximum: 80 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.09%, Comparison Rate 6.62%
Repayment Type: Principal And Interest
Loan Purpose: Investment
LVR
Minimum: 80.01 PERCENT Maximum: 99.99 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.19%, Comparison Rate 6.86%
Repayment Type: Principal And Interest
Loan Purpose: Investment
LVR
Minimum: 80.01 PERCENT Maximum: 99.99 PERCENT
Lending Rate Type: Fixed
Interest Rate: 5.99%, Comparison Rate 6.67%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
LVR
Minimum: 0.01 PERCENT Maximum: 60 PERCENT
Lending Rate Type: Fixed
Interest Rate: 5.69%, Comparison Rate 6.31%
Repayment Type: Principal And Interest
Loan Purpose: Owner Occupied
LVR
Minimum: 0.01 PERCENT Maximum: 60 PERCENT
Lending Rate Type: Fixed
Interest Rate: 5.89%, Comparison Rate 6.51%
Repayment Type: Principal And Interest
Loan Purpose: Investment
LVR
Minimum: 0.01 PERCENT Maximum: 60 PERCENT
Lending Rate Type: Fixed
Interest Rate: 6.09%, Comparison Rate 6.56%
Repayment Type: Interest Only
Loan Purpose: Investment
Product Features
Extra RepaymentsAdditional Information: Up to $10,000 extra repayments per year
Product Eligibility
Residency Status - Available To Australian Residents Only. Additional Information: not available to non-residents
Min Age - 18.
OtherAdditional Information: 1. To be eligible for HSBC Home Loan Package, you must have minimum borrowings of $150,000 and pay the annual package fee of $390. The package fee will be deducted from the loan proceeds at settlement, and charged to the package home loan on the first business day of the loan anniversary month. Excludes non-resident applications.
Bank Fees and Charges
Establishment Fee (Upfront), Amount: 600.00. Additional Information: "When we processes a customers loan application. Waived during campaign"
Settlement Fee (Upfront), Amount: 150.00. Additional Information: Optional fee to lock in your fixed rate
Pexa Electronic Transaction Service Fee (Variable), Amount: Not Listed.. Additional Information: "When we settle the customers new loan or discharge. The amount the electronic settlement operator charges us, which we will charge to the customer."
Valuation Fee (Variable), Amount: Not Listed.. Additional Information: "When any valuation is required as part of the customers loan application. This is the amount the valuer charges HSBC, which we will then charge the customer. Waived during campaign up to $200"
Loan Splitting Fee (Upfront), Amount: 100.00. Additional Information: For a fourth loan account or more.
Home Loan Package Fee (Periodic), Amount: 390.00. Additional Information: Payable when the home loan package has been selected, and the customer first draws on the loan, or enter the package through a variation; and annually in advance on the second business day of each settlement anniversary month of their loan. It is payable in addition to the monthly loan repayment.
Lenders Mortgage Insurance (Variable), Amount: Not Listed.. Additional Information: For mortgage insured loans and when a customer first draws on their loan. This is the amount the insurer charges us, which we will charge to the customer.
Search Fees (Variable), Amount: Not Listed.. Additional Information: For mortgage insured loans and when a customer first draws on their loan. This is the amount the insurer charges us, which we will charge to the customer.
Guarantor Preparation Fee (Upfront), Amount: 100.00. Additional Information: When there is a guarantor and we prepare a guarantee document
Multiple Security Property Fee (Upfront), Amount: 150.00. Additional Information: When we prepare each mortgage for the third security or more. Payable in addition to any other security preparation fees.
Fixed Rate Lock Fee (Upfront), Amount: 750.00. Additional Information: "When a fixed loan is first drawn, or is fixed through a variation; and the customer opts for fixed rate lock. " https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/hl-fees-charges.pdf
Discharge Fee (Exit), Amount: 300.00. Additional Information: "When a fixed loan is first drawn, or is fixed through a variation; and the customer opts for fixed rate lock. "When we discharge the mortgage over the security property
Break Costs (Variable), Amount: Not Listed.. Additional Information: "Payable if during tany fixed interest period the customer:- switches to a different interest rate; or- the customer switches product for any reason (including because we have required repayment under your loan contract);- prepay more than $10,000, during any 12-month period starting on the date the interest rate was first fixed or in any following consecutive 12-month period.""When a fixed loan is first drawn, or is fixed through a variation; and the customer opts for fixed rate lock. " https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/hl-fees-charges.pdf
Consent / Production Of Title Fee (Event), Amount: 100.00. Additional Information: When we consider a request the customer makes for us to consent to something or where we produce a certificate of title.
Loan Variation Fee (Event), Amount: 300.00. Additional Information: When we agree to vary the customers loan agreement.
