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Fixed Rate Home Loan

Lock in a competitive fixed rate and enjoy the certainty of consistent repayments.

Enjoy peace of mind with the certainty of a fixed rate

With the HSBC Fixed Rate Home Loan, you can be confident in what your loan repayments will be every month with a competitive fixed rate.

  • Choose one of our competitive fixed rates and keep your interest rate the same for a set period of time[@mortgages-fixed-rate-lock]
  • Make extra repayments, up to $10,000 per year[@mortgages-fixed-break]
  • Split your loan with one of our variable loans

3 year owner occupied interest rates

3 year owner occupied fixed rate[@borrowing-from-50k-fixed-rate], principal and interest with package[@mortgages-home-loan-package], 80% LVR or less5.59% p.a.Footnote link 3Footnote link 4

Comparison rate[@mortgages-comparison-warning]6.42% p.a.

Enjoy a discount on your home loan with a Home Loan Package

Benefit from a discount on your mortgage with the HSBC Home Loan Package, and for one annual fee of $390 per annum, you'll also enjoy:

  • $0 establishment fee
  • $0 valuation fee (standard valuations only)
  • $0 settlement fee

Here's what you get with a Fixed Rate Home Loan

Peace of mind

Make up to $10,000 in extra repayments each year or choose to pay interest only.

Split loan option

With a split loan, you can get the most out of the features and benefits that are important to you.

Support from a Home Loan Manager

Get a helping hand to guide you through the process, every step of the way.

Fixed Rate interest rates

These interest rates are the 3 year fixed rates for owner occupied and investment properties with principal and interest repayments (with the Home Loan Package).
Rate type Interest Rate3Footnote link 3Footnote link 3Footnote link 3Footnote link 3 Comaprision Rate
Owner occupied 5.59% p.a.Footnote link 4 6.42% p.a.
Investment 5.79% p.a.Footnote link 4 6.62% p.a.
These interest rates are the 3 year fixed rates for owner occupied and investment properties with principal and interest repayments (with the Home Loan Package).
Rate type Owner occupied
Interest Rate3Footnote link 3Footnote link 3Footnote link 3Footnote link 3 5.59% p.a.Footnote link 4
Comaprision Rate 6.42% p.a.
Rate type Investment
Interest Rate3Footnote link 3Footnote link 3Footnote link 3Footnote link 3 5.79% p.a.Footnote link 4
Comaprision Rate 6.62% p.a.

Comparison rate warning appliesFootnote link 5Footnote link 85Footnote link 5. Fixed rates are available for terms from 1 to 5 years.

Check all of our home loan fixed rates and reference rates.

Fees

Find out the additional costs for your loan – additional fees may apply, please refer to the schedule of fees and charges for home loans.
Fee Details
Establishment fee $600 (or $0 with the Home Loan Package)
Settlement fee $150 (or $0 with the Home Loan Package)
Valuation fee Quoted on application (or $0 with the Home Loan Package)
Variation fee (if you make changes to your loan) $300
Rate lock fee (optional) $7501Footnote link 1Footnote link 1Footnote link 1Footnote link 1
Find out the additional costs for your loan – additional fees may apply, please refer to the schedule of fees and charges for home loans.
Fee Establishment fee
Details $600 (or $0 with the Home Loan Package)
Fee Settlement fee
Details $150 (or $0 with the Home Loan Package)
Fee Valuation fee
Details Quoted on application (or $0 with the Home Loan Package)
Fee Variation fee (if you make changes to your loan)
Details $300
Fee Rate lock fee (optional)
Details $7501Footnote link 1Footnote link 1Footnote link 1Footnote link 1

Break costs may apply[@mortgages-fixed-break].

What you need to know

Ready to get started?

Enquire now

If you'd like to find out more about all our home loans, fill in our enquiry form and one of our home loan managers will get in touch with you. 

Contact us by phone

Speak to a home loan manager today for instant support.

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Important information

Credit provided by HSBC Bank Australia ABN 48 006 434 162. Australia Credit Licence 232595. Home Loan Terms, Personal Banking Booklet, Fees and Charges and lending criteria apply. See Target Market Determinations for our products.