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Standard Variable Rate Home Loan

This variable rate home loan comes with an offset account and a range of features tailored to your needs.

Get a loan that's ready for any home

Get closer to your dream home with an HSBC Standard Variable Rate Home Loan. Make extra payments as often as you like, and combine with an offset account to save on interest. 

  • Save on interest repayments with an offset account
  • Redraw additional payments for free
  • Enjoy this loan's flexibility for existing properties, bridging loans or construction loans

Owner occupied interest rates

Loan to Value Ratio (LVR) 60% or less, principal and interest rate[@mortgages-standard-variable] with package[@mortgages-home-loan-package]6.14% p.a.

Comparison rate[@mortgages-comparison-warning] 6.51% 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

What you get with an HSBC Standard Variable Rate Home Loan

Free redraws

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

Offset account

Save on interest and use your money when you need it with a 100% offset account.

Flexibility

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

Support from a Home Loan Manager

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

Standard Variable Rate Home Loan interest rates

These interest rates are for owner occupied and investment properties with principal and interest repayments (with the Home Loan Package).
Rate type   Interest rate[@mortgages-standard-variable] Comparison rate
Owner occupied 6.14% p.a.
 6.51% p.a.

Investment

 6.34% p.a. 6.70% p.a.
These interest rates are for owner occupied and investment properties with principal and interest repayments (with the Home Loan Package).
Rate type   Owner occupied
Interest rate[@mortgages-standard-variable] 6.14% p.a.
Comparison rate 6.51% p.a.
Rate type  

Investment
Interest rate[@mortgages-standard-variable] 6.34% p.a.
Comparison rate 6.70% p.a.

Rates are current as of 18 November 2024 and are subject to change.

Comparison rate warning applies.[@mortgages-home-loan-package]

Check all of our home 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 $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 for standard valuations)
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 $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 for standard valuations)
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 any of 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.

Other ways to apply 

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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.