Variable Rate Loan - Owner Occupied (LVR 70% to 80%)

Variable Rate
4.41% p.a.
Comparison Rate*
4.47% p.a.
  • $3,288 cashback offer: To be eligible for the $3,288 refinance cashback, you must submit your new home loan applications for full approval between 15 February 2021 and 31 December 2021 and settled by 28 February 2022 and have refinanced from a financial institution other than HSBC Bank Australia. The offer is only available once per customer within this period. Maximum cashback amount of $3,288. Limit of one $3,288 cashback payment per borrowing entity and per customer. Where a home loan has more than one applicant and one applicant receives the cashback, all applicants are deemed to have received the cashback. Minimum refinance amount of $250,000 applies. Offer excludes construction loans, bridging loans and principal increases, non-residents and non-natural persons (such as trusts and companies). Cashback will be credited into your HSBC Transaction or Home Loan account within 60 days of settlement. Tax consequences may arise from this promotion for investors and you should seek independent financial or legal advice. Offer current as at 1 October 2021 and subject to change. Credit criteria, fees and charges apply.

Key Features
Loan Type
Min Loan
Max Loan
Application Fee
Borrow upto
of property value
Ongoing fee
Redraw Facility
Offset Account

Loan Details

Loan Type Variable
Security Type ResidentialProperty
Availability Owner Occupiers
Repayment Options Principal & Interest
Repayment Frequency Weekly, Fortnightly, Monthly
Min Loan Term 0
Max Loan Term 30
Max Loan to Value Ration (LVR) 80%
Max LVR with Mortgage Insurance 70%
Min Loan Amount $1.00
Max Loan Amount $15,000,000.00
Interest Rate Notes
Available on new home loan borrowings from $50,000 when applying by 30 April 2021


Extra Repayments
Loan is Transferable (Portable)
Transfer Fee $300.00
Mortgage Offset Available
Mortgage Offset 100%
Mortgage Offset Rate 0%
Redraw Available
Min Redraw Amount $0.00
Max Redraw Amount $0.00
Redraw Fee $0.00
Redraw Notice Period
Redraw Method
Redraw Notes & Comments

Split Account

Split Available
Max No. of Accounts for Split 6
Separate Statements for Split
Statement Frequency
Fixed Option
Fee for Fixing $0.00


Application Fee $0.00
Legal Fee $0.00
Valuation Fee $0.00
Settlement Fee $0.00
Service Fee $0.00
Exit Fee $300.00
Early Termination Fee

Break Costs

General Fee Notes:

General Notes:

*The comparison rates in this table are based on a secured loan amount of $150,000 and a term of 25 years. WARNING: These comparison rates apply only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and costs savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. Comparison rates are not calculated for revolving credit products.