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Refinance your home loan

Refinance your loan to HSBC and enjoy flexible options and competitive interest rates.

Feel at home with fuss-free refinancing

When you refinance your home loan with us, we'll help you find a competitive rate to reduce your repayments and help you pay off your loan faster. You can also build up your equity with a lower rate. 

Enquire now for HSBC refinance

Why choose HSBC?

Find the loan that's right for you

Get competitive rates and features that suit your needs across a range of loans

Select from many different options

Choose from flexible loan options with a range of fixed and variable home loans

We're always on hand to help

Get support from a dedicated home loan manager who can guide you through every step of the journey

Explore our home loan options

Home Value Loan  

Enjoy a competitive variable rate home loan with no monthly fees and unlimited extra repayments.

Owner occupied interest rate[@loans-home-value-offer], principal and interest, LVR 60% or less
 

5.99% p.a.
 

Comparison rate[@mortgages-comparison-warning]
 

5.99% p.a.

  Enquire now Enquire now about Home Value Loans

Standard Variable Rate Home Loan  

Make extra payments as often as you like, and combine your loan with an offset account to save on interest.

Owner occupied interest rate[@mortgages-standard-variable], principal and interest with package[@mortgages-home-loan-package], 60% LVR or less

 

6.14% p.a.

 

Comparison rate[@mortgages-comparison-warning]

 

6.51% p.a.

  Enquire now Enquire now about Standard Variable Rate Home Loans

Fixed Rate Home Loan  

Lock in a competitive fixed rate and enjoy the certainty of consistent repayments.

3 year owner occupied fixed rate[@borrowing-from-50k-fixed-rate], principal and interest with package[@mortgages-home-loan-package], 80% LVR or less

 

5.59%p.a.Footnote link 4

 

Comparison rate[@mortgages-comparison-warning]

 

6.42% p.a.

  Enquire now Enquire now about Fixed Rate Home Loans

Tools to help you refinance

Use our borrowing calculator to see how much you could borrow, and our repayment calculator to work out how much you'll need to pay back.

Ready to get started?

Enquire now

Complete our online enquiry form and we'll be in touch to discuss your options.

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Contact us by phone

If you prefer to talk to us over the phone, you can call us to discuss your loan refinancing.

Home loan enquiries

1300 694 722

Other ways to apply 

You might also be interested in

What is refinancing?  

Find out what it means to refinance your home and how you could benefit.

Should you refinance your home loan?  

Learn more about the benefits of refinancing your home loan, and how to get started.

How does refinancing work?  

A step-by-step guide to refinancing a home loan.

How long does it take to refinance a home loan?  

Find out the expected timeline for refinancing your home loan and what you can do to speed it up.

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.
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