Top of main content

Home Value Loan

See the potential in every property with the home loan with a low variable rate and no monthly service fee.

Make your dream home a reality with the HSBC Home Value Loan

Get a competitive variable rate and the support of a dedicated HSBC home loan manager to guide you through the process.

  • Unlimited free extra repayments
  • Access your money when you need it with free redraws
  • Save with no monthly service fee

Owner occupied interest rates

Loan to Value Ratio (LVR) 60% or less, principal and interest rate[@loans-home-value-offer] 5.99% p.a.Footnote link 1

Comparison rate[@mortgages-comparison-warning]
5.99% p.a.

What you get with an HSBC Home Value Loan

Flexibility

You can make additional repayments as you wish or choose to pay interest only.

Free redraws

Get unlimited access to free redraws so that you can use your money when you need it.

Low fees

Save more with no monthly service fees or annual fees.

Support from a Home Loan Manager

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

Home Value interest rates

These interest rates are for owner occupied and investment properties with principal and interest repayments.
Rate type Interest rate1 Comparison rate
Owner occupied 5.99% p.a.Footnote link 1 5.99% p.a.

Investment

6.19% p.a. 6.19% p.a.
These interest rates are for owner occupied and investment properties with principal and interest repayments.
Rate type Owner occupied
Interest rate1 5.99% p.a.Footnote link 1
Comparison rate
5.99% p.a.
Rate type

Investment

Interest rate1 6.19% p.a.
Comparison rate
6.19% p.a.

Rates are current as of 23 December 2024 and are subject to change.

Comparison rate warning applies.[@mortgages-comparison-warning]

Check all of our Home Value Loan interest 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 $0
Settlement fee $150 (or $0 with our promotional offer)
Valuation fee Quoted during your application
Variation fee (if you make changes to your loan) $300
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 $0
Fee Settlement fee
Details $150 (or $0 with our promotional offer)
Fee Valuation fee
Details Quoted during your application
Fee Variation fee (if you make changes to your loan)
Details $300

Important documents

Ready to get started?

Enquire now

If you'd like to find out more about 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.

You might also be interested in

Find out roughly how much you might be able to borrow for a home loan.
Whether you're buying, investing or refinancing, we have a home loan to suit your needs.
It can be hard to know how to get started – we're here to help make the process of becoming a first home buyer easier.

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.