Our database lists [# of products] products on HSBC fixed mortgage rates. The bank is offering the [product] fixed at #.##% with $### for a # year product
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HSBC fixed home loan rates
Fixed Rate Home Loan (Owner Occupiers)
| COMPANY | TYPE | TERM | INITIAL RATE | THE OVERALL COST FOR COMPARISON IS | PRODUCT FEE | LOAN TO VALUE (LTV) |
|---|---|---|---|---|---|---|
| HSBC | 2 year Offset Tracker at BEBR + 1.22% for 2 years Residential Purchase Offset | 2 years | 5.97% | 6.9 APRC | £1749.00 | 75% |
| HSBC | Residential Remortgage Tracker at BEBR + 0.60% | 5 years | 5.35% | 6.4 APRC | £999.00 | 60% |
| HSBC | Residential Remortgage Tracker at BEBR + 1.00% | 5 years | 5.75% | 6.6 APRC | £999.00 | 85% |
| HSBC | Existing Residential Mortgage Customers Reward Tracker | 2 years | 4.89% | 6.6 APRC | £999.00 | 60% |
| HSBC | Existing Residential Mortgage Customers Reward Tracker | 2 years | 5.24% | 6.6 APRC | £0.00 | 60% |
| HSBC | Existing Residential Mortgage Customers Reward Tracker | 2 years | 5.11% | 6.7 APRC | £999.00 | 75% |
| HSBC | Existing Residential Mortgage Customers Reward Tracker | 2 years | 5.25% | 6.6 APRC | £0.00 | 75% |
| HSBC | Existing Residential Mortgage Customers Reward Tracker | 2 years | 5.61% | 6.7 APRC | £99.00 | 80% |
| HSBC | Existing Residential Mortgage Customers Reward Tracker | 2 years | 5.21% | 6.7 APRC | £999.00 | 90% |
| HSBC | Existing Residential Mortgage Customers Reward Tracker | 2 years | 5.95% | 6.8 APRC | £0.00 | 90% |
| HSBC | Existing Residential Mortgage Customers Reward Tracker | 5 years | 5.35% | 6.3 APRC | £999.00 | 60% |
| HSBC | Existing Residential Mortgage Customers Reward Tracker | 5 years | 5.75% | 6.5 APRC | £999.00 | 85% |
| HSBC | Existing Residential Mortgage Customers Reward Offset Tracker | 2 years | 5.97% | 6.9 APRC | £1749.00 | 80% |
| HSBC | Existing Residential Mortgage Customers Reward Offset Tracker | 5 years | 6.00% | 6.7 APRC | £1749.00 | 80% |
| HSBC | Existing Residential Mortgage Customers Reward Tracker | 2 years | 5.10% | 6.6 APRC | £1999.00 | 70% |
| HSBC | Existing Residential Mortgage Customers Reward Offset Tracker | 2 years | 6.65% | 7.0 APRC | £1999.00 | 70% |
| HSBC | Existing Mortgage Customers Reward Buy-to-Let Tracker | 2 years | 5.69% | 8.8 APRC | £1795.00 | 65% |
| HSBC | Existing Mortgage Customers Reward Buy-to-Let Tracker | 2 years | 5.77% | 8.9 APRC | £1795.00 | 75% |
| HSBC | Existing Mortgage Customers Reward Buy-to-Let Tracker | 2 years | 6.30% | 8.9 APRC | £0.00 | 75% |
| HSBC | Existing Mortgage Customers Reward Buy-to-Let Tracker | 2 years | 5.90% | 8.8 APRC | £1795.00 | 60% |
Fixed Rate Home Loan (Investors)
| COMPANY | TYPE | TERM | INITIAL RATE | THE OVERALL COST FOR COMPARISON IS | PRODUCT FEE | LOAN TO VALUE (LTV) |
|---|---|---|---|---|---|---|
| HSBC | 2 year Offset Tracker at BEBR + 1.22% for 2 years Residential Purchase Offset | 2 years | 5.97% | 6.9 APRC | £1749.00 | 75% |
| HSBC | Residential Remortgage Tracker at BEBR + 0.60% | 5 years | 5.35% | 6.4 APRC | £999.00 | 60% |
| HSBC | Residential Remortgage Tracker at BEBR + 1.00% | 5 years | 5.75% | 6.6 APRC | £999.00 | 85% |
| HSBC | Existing Residential Mortgage Customers Reward Tracker | 2 years | 4.89% | 6.6 APRC | £999.00 | 60% |
| HSBC | Existing Residential Mortgage Customers Reward Tracker | 2 years | 5.24% | 6.6 APRC | £0.00 | 60% |
| HSBC | Existing Residential Mortgage Customers Reward Tracker | 2 years | 5.11% | 6.7 APRC | £999.00 | 75% |
| HSBC | Existing Residential Mortgage Customers Reward Tracker | 2 years | 5.25% | 6.6 APRC | £0.00 | 75% |
| HSBC | Existing Residential Mortgage Customers Reward Tracker | 2 years | 5.61% | 6.7 APRC | £99.00 | 80% |
| HSBC | Existing Residential Mortgage Customers Reward Tracker | 2 years | 5.21% | 6.7 APRC | £999.00 | 90% |
| HSBC | Existing Residential Mortgage Customers Reward Tracker | 2 years | 5.95% | 6.8 APRC | £0.00 | 90% |
| HSBC | Existing Residential Mortgage Customers Reward Tracker | 5 years | 5.35% | 6.3 APRC | £999.00 | 60% |
| HSBC | Existing Residential Mortgage Customers Reward Tracker | 5 years | 5.75% | 6.5 APRC | £999.00 | 85% |
| HSBC | Existing Residential Mortgage Customers Reward Offset Tracker | 2 years | 5.97% | 6.9 APRC | £1749.00 | 80% |
| HSBC | Existing Residential Mortgage Customers Reward Offset Tracker | 5 years | 6.00% | 6.7 APRC | £1749.00 | 80% |
| HSBC | Existing Residential Mortgage Customers Reward Tracker | 2 years | 5.10% | 6.6 APRC | £1999.00 | 70% |
| HSBC | Existing Residential Mortgage Customers Reward Offset Tracker | 2 years | 6.65% | 7.0 APRC | £1999.00 | 70% |
| HSBC | Existing Mortgage Customers Reward Buy-to-Let Tracker | 2 years | 5.69% | 8.8 APRC | £1795.00 | 65% |
| HSBC | Existing Mortgage Customers Reward Buy-to-Let Tracker | 2 years | 5.77% | 8.9 APRC | £1795.00 | 75% |
| HSBC | Existing Mortgage Customers Reward Buy-to-Let Tracker | 2 years | 6.30% | 8.9 APRC | £0.00 | 75% |
| HSBC | Existing Mortgage Customers Reward Buy-to-Let Tracker | 2 years | 5.90% | 8.8 APRC | £1795.00 | 60% |
HSBC fixed mortgage rates FAQs
What is a Fixed Rate Lock?
A Fixed Rate Lock with HSBC fixed mortgage rates ensures your interest rate is secure from application to settlement. This protection helps avoid potential rate increases before your loan is finalised. Here's how it works:
Understanding the Fixed Rate Lock
A Fixed Rate Lock is an option available with HSBC fixed mortgage rates. By opting for this feature, the interest rate disclosed at the time of your application is locked until your loan's settlement date. This protects against any potential rate increases during this period.
How to request a Fixed Rate Lock
New applications:
- request a Fixed Rate Lock in your mortgage application
- HSBC will confirm if your request is approved upon unconditional loan approval
Variations to existing loans:
- if you have an existing Fixed Rate Home Loan, you can request a Fixed Rate Lock before your current term expires
- approval will be sent after your variation application is assessed
Fixed Rate Lock fee
A $750 fee applies for this service. This fee is debited when you first draw on your loan or upon acceptance of a loan variation offer. The fee is non-refundable even if you withdraw your request before settlement.
Rate lock period and applicable interest rate
- the locked rate is valid for 90 days from unconditional approval
- if settlement happens within this period, the rate will be the lower of the locked rate or the reference rate on the settlement date, adjusted by any agreed margins
Changes to your home loan application
If you alter your loan application, such as change the loan purpose or repayment type, the locked rate becomes invalid. You may request a new Fixed Rate Lock, subject to approval.
Final considerations
Choosing a Fixed Rate Lock with HSBC fixed mortgage rates can provide peace of mind by securing your interest rate during the application process. This feature ensures financial predictability and shields you from potential rate hikes before your loan is finalised.
How to apply for an HSBC home loan
Applying for HSBC fixed home loan rates involves several steps. Begin by gathering your identification, proof of income, and property details. You can apply online, over the phone, or by going to a branch.
Eligibility criteria
To be eligible for HSBC fixed mortgage rates, you must:
- be over 18 years of age
- be an Australian resident
- have a regular source of income
Required documents
When applying, ensure you have:
- identification: provide one primary document such as:
- Australian driver’s licence
- Australian passport
- or two secondary documents, which include:
- Medicare card
- Australian citizenship certificate
- Australian birth certificate
- proof of income: verify your ability to repay the loan with:
- payslips for PAYG employees
- tax returns for self-employed individuals
- bank account statements showing salary credits
- financial position: document your assets and liabilities, including:
- your assets are everything you own such as vehicles
- liabilities can include personal loans, debts, and more
- minimum of 3 months of statements to check ownership and account conduct
- living expenses: detail your monthly expenses, such as:
- utilities, internet, electricity, TV, telephone bill, and more
- the bank will review your spending account to match declared expenses
Starting your HSBC home loan application
You can apply for HSBC fixed term mortgage rates through:
- online: fill out the enquiry form on HSBC's website
- phone: call HSBC's mortgage service
- branch: visit an HSBC branch for in-person assistance
When applying for HSBC fixed mortgage rates, first check your eligibility for a home loan. If eligible, prepare the required documents to ensure a seamless application process. Finally, contact HSBC directly or consult your mortgage adviser for an easier transaction.
What are the benefits of HSBC fixed mortgage rates?
HSBC fixed rates offer stability and predictability for your repayments. These benefits are ideal for borrowers seeking certainty in their financial planning. Here’s a deeper look into what makes HSBC fixed mortgage rates advantageous.
What is a fixed rate?
A fixed rate home loan means your interest rate remains unchanged for a set period, ensuring consistent repayments and financial stability. If interest rates fall, your fixed rate stays the same. Breaking the fixed term early may incur fees.
Advantages of HSBC's fixed home loans
HSBC’s fixed home loans come with several benefits, including:
- rate stability: protects you against rising interest rates
- additional repayments: you can make additional repayments of up to $10,000 annually
- home loan package: receive a discount on fixed rates for an annual fee
A home loan manager will help and guide you throughout the mortgage process, ensuring you have support at every step.
Is HSBC a good bank for mortgages?
HSBC offers comprehensive mortgage solutions with competitive rates and flexible options. Their international network supports expats and those needing global banking services, making HSBC a reliable choice for various borrowers.
Is it worth breaking a fixed rate mortgage?
Breaking a fixed rate mortgage can be beneficial in certain situations. Assess your financial goals and potential savings before deciding. Here's a closer look at the factors involved:
How do break costs work?
Breaking a fixed rate mortgage involves fees. You incur these costs if you breach the terms of your loan contract during the fixed period. These fees compensate the lender for their funding loss.
HSBC break costs
When breaking HSBC fixed mortgage rates, you will pay the bank if:
- more than $10,000 is paid in additional repayments annually
- you switch loan products or repayment types
- the entire loan is paid off early
- a default occurs
Reasons to break your fixed rate home loan
Consider breaking your loan if:
- variable rates are lower than your fixed rate
- you need features like a redraw facility
- You’re nearing the end of your fixed term and want to secure a new rate
Evaluating your options
Breaking a fixed mortgage with HSBC can offer flexibility but it incurs costs. Evaluate your financial situation and consult with a Home Loan Specialist to make an informed decision.
