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]6.46% 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
Fixed Rate interest rates
| Rate type | Interest Rate3Footnote link 3Footnote link 3Footnote link 3Footnote link 3 | Comaprision Rate |
|---|---|---|
| Owner occupied | 5.59% p.a.Footnote link 4 | 6.46% p.a. |
| Investment | 5.79% p.a.Footnote link 4 | 6.65% p.a. |
| Rate type | Owner occupied |
|---|---|
| Interest Rate3Footnote link 3Footnote link 3Footnote link 3Footnote link 3 | 5.59% p.a.Footnote link 4 |
| Comaprision Rate | 6.46% p.a. |
| Rate type | Investment |
| Interest Rate3Footnote link 3Footnote link 3Footnote link 3Footnote link 3 | 5.79% p.a.Footnote link 4 |
| Comaprision Rate | 6.65% 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
| 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 |
| 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
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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.