Make your house a home with a smart loan
With the HSBC Home Smart Loan, you’ve got flexibility at your doorstep. You'll get a variable rate mortgage with principal and interest repayments. Plus, you can put your income and savings towards your loan to pay it off faster.
- Get a debit card that gives you access to your home loan
- Make unlimited redraws from your available funds
- Reduce your interest charges with additional repayments to your loan
Owner occupied interest rates
Loan to Value Ratio (LVR) 80% or less, principal and interest rate[@loans-smart-home-promo-offer] with package[@mortgages-home-loan-package]6.24% p.a.Footnote link 1
Comparison rate[@mortgages-comparison-warning]
6.60% p.a.Footnote link 1
Enjoy the benefits of our Home Loan Package, included
Benefit from our Home Loan Package, included with all Home Equity and Home Smart loans. For only $390 per year, you'll enjoy:
- $0 establishment fee
- $0 valuation fee (for standard valuations only)
- $0 settlement fee
What you get with a Home Smart Loan
Home Smart interest rates
| Rate type | Interest rateFootnote link 1 | Comparision rate |
|---|---|---|
| Owner occupied | 6.24% p.a. | 6.60% p.a. |
| Investment | 6.44% p.a.Footnote link 2 | 6.80% p.a. |
| Rate type | Owner occupied |
|---|---|
| Interest rate1Footnote link 1 | 6.24% p.a. |
| Comparision rate |
6.60% p.a. |
| Rate type | Investment |
| Interest rate1Footnote link 1 | 6.44% p.a.Footnote link 2 |
| Comparision rate |
6.80% p.a. |
Rates are current as of 16 December 2024 and are subject to change.
Comparison rate warning applies.[@mortgages-comparison-warning]
Check all of our home loan interest rates and reference rates.
Fees and charges
| Fee or charge | Details |
|---|---|
| Establishment fee | $0 |
| Settlement fee | $0 |
| Valuation fee (for standard valuations only) | $0 |
| Home Loan Package fee | $390 |
| Variation fee (if you make changes to your loan) | $300 |
| Fee or charge | Establishment fee |
|---|---|
| Details | $0 |
| Fee or charge | Settlement fee |
| Details | $0 |
| Fee or charge | Valuation fee (for standard valuations only) |
| Details | $0 |
| Fee or charge | Home Loan Package fee |
| Details | $390 |
| Fee or charge | Variation fee (if you make changes to your loan) |
| Details | $300 |
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.