Why choose a Home Smart Loan?
-
A debit card that gives you access to your home loan with fee free redraws on available funds
-
Additional funds paid into this loan reduces interest charge
-
Variable interest rate
Featured rate
Interest rate with
Home Loan Package
Comparison Rate
^ Comparison rate warning applies
Enjoy a discount on the variable rate with a Home Loan Package
![An indoor tent, a sofa and some boxes.](/content/dam/hsbc/au/images/home-loans/16-9/tent-living-room-pwsimg-1034.jpg)
Benefit from a discount on the Home Smart variable rate with the HSBC Home Loan Package, and for one annual fee of $390 per annum you will also enjoy:
- $0 Establishment Fee
- $0 Valuation Fee2
- $0 Settlement Fee
Features & Benefits
Get the flexibility you want with the features and benefits you need.
Home Loan Package
Receive a discount on the standard variable rate (owner occupied) for a fee of $390 per annum.
Free redraws of available funds
Unlimited access to free redraws so that you have access to your money when you need it.
Home Loan Manager
A helping hand to guide you through the process.
Free transactions
Easy access to your home loan with a Debit card, Apple Pay3 , unlimited free local transactions.
Home Smart Loan interest rates
Principal and Interest |
Interest Rate |
Comparison Rate |
---|---|---|
Home Smart Reference Rate |
8.76% p.a. |
9.14% p.a. |
Home Smart (with Package) |
6.19% p.a.* |
6.56% p.a. |
Principal and Interest |
Home Smart Reference Rate |
---|---|
Interest Rate |
8.76% p.a. |
Comparison Rate |
9.14% p.a. |
Principal and Interest |
Home Smart (with Package) |
Interest Rate |
6.19% p.a.* |
Comparison Rate |
6.56% p.a. |
Principal and Interest |
Interest Rate |
Comparison Rate |
---|---|---|
Home Smart Reference Rate |
9.38% p.a. |
9.76% p.a. |
Home Smart (with Package) |
6.39% p.a.* |
6.75% p.a. |
Principal and Interest |
Home Smart Reference Rate |
---|---|
Interest Rate |
9.38% p.a. |
Comparison Rate |
9.76% p.a. |
Principal and Interest |
Home Smart (with Package) |
Interest Rate |
6.39% p.a.* |
Comparison Rate |
6.75% p.a. |
The rates shown are for principal and interest repayment and are current as of 15 July 2024. Rates are subject to change.
^ Comparison Rate Warning Applies
Fees
- $0 Establishment Fee
- $0 Settlement Fee
- $0 Valuation Fee2
- $300 variation fee for changes to your loan
Other fees and charges may apply. Please refer to Schedule of Fees and Charges for Home Loans.
Apply for a Home Smart Variable Rate Home Loan
Call us, visit a branch or start a conversation online.
Online
Complete our online enquiry form and one of our home loan managers will be in touch with you.
By phone
Call us on 1300 694 722
In branch
Find your nearest branch to branch finder to speak to us in person.
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