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A red paint color tin can and a brush on the floor; image used for HSBC Australia renovation loan page.

HSBC Renovation Loan

Live more comfortably. Improve your home faster with an HSBC Renovation Loan.

Why choose a renovation loan from HSBC?

Are you looking to renovate a kitchen? Decorate a bedroom? Even landscape a garden? Whatever you want to do to improve your home, with a Renovation Loan from HSBC you can make it happen faster.

 

By arranging a Renovation Loan, you have a set budget, set repayments, and you’re ready to start making where you live truly yours. Borrow what you need, from $5,000 to $50,000 with flexible loan terms from 1 – 5 years.

12.99% p.a.
Flat Rate
13.54% p.a.

Comparison Rate

The comparison rate is based on an unsecured loan of $30,000 over the term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Receive funds fast in 3 easy steps

1.Apply Online

Tell us how much you want to borrow and complete the application.

2.Verify yourself online

We can verify your identity and upload your documents online.

3.Receive the funds

Funds will be released to your account the next day upon approval of the loan and acceptance of your letter of offer.

Rates and fees – Renovation Loan

Rate Type

Details

Fixed interest rate

Flat rate 12.99% p.a.

Comparison rate^ 13.54% p.a. 

Establishment fee

$150

Monthly account servicing fee

$5

Early termination fee1

$199

Rates and fees – Renovation Loan

Rate Type

Fixed interest rate

Details

Flat rate 12.99% p.a.

Rate Type

Comparison rate^

Details

13.54% p.a. 

Rate Type

Establishment fee

Details

$150

Rate Type

Monthly account servicing fee

Details

$5

Rate Type

Early termination fee1

Details

$199

^The comparison rate is based on an unsecured loan of $30,000 over the term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Fees apply for other account services. Please refer to our current Personal Banking Booklet (PDF, 1.50 MB) for full details.

Ready to apply for an HSBC Renovation Loan?

Are you eligible?

To apply for an HSBC Personal Loan, you'll need to:

  • Be aged 18 years or older
  • Be an existing HSBC Australia customer for at least 12 months; or have an existing Mortgage with HSBC; or hold HSBC Premier status at the time of application
  • Be an Australian citizen, permanent resident, or hold an eligible visa
  • Earn at least AUD40,000 per year
  • Have a good credit rating

Information needed

  • Identification
  • Address details
  • Income and employment

What to expect

  • Apply online
  • Complete your application in around 10 minutes
  • Track and upload documents online

Apply for an HSBC Renovation Loan

Let's get started?

Apply in around 10 minutes via online banking or the HSBC Mobile Banking app.

Want to talk later?

Fill in our short online enquiry form and one of our Consultants will be in touch within 2 business days.

If you need additional support with your application, please call us on 1300 131 605 (Monday to Friday, 8:00am to 8:00pm AEST) or visit your local branch.

Important information

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Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162 Australian Credit Licence 232595. Fees, charges, terms & conditions apply. Visit hsbc.com.au or call 132 152.

All applications are subject to HSBC lending criteria. Personal Loan Terms (PDF, 684 KB), Personal Banking Booklet (PDF, 1.50 MB) apply.

Rate is applicable to new applications. Early termination fee does not apply in the last 6 months of the loan term.