Frequently Asked Questions - Home Loan

• What if I am non-resident? Can I get an HSBC home loan?
• What loan is best for me?
• How much can you borrow?
• What is the minimum loan HSBC will lend?
• How long does the whole process take normally?
• Do I need an HSBC bank account to finance my HSBC home loan?
• What are HSBC's current interest rates?
• What are the associated fees and charges?
• What if I go overseas? Can I keep my home loan?
• Who can I call if I have a question about my home loan?
• What are the repayment terms for paying off an HSBC home loan?
• What do I need to know about early repayment of a fixed rate loan?
• How do I apply?
• How do I find out if I am eligible for a home loan?
• How much can I borrow for a residential property?

What if I am non-resident? Can I get an HSBC home loan?

Yes, HSBC do provide loans for customers who live overseas. Conditions apply. Call us on 0800 80 23 80

What loan is best for me?

Use our comparison tools to help you select the right loan for you. If you need further help request a call back and one of our dedicated relationship managers will call you back at a time which suits you. They will be able to guide you through your options.

How much can you borrow?

How much you borrow will be determined by your income, your capacity to repay the loan and the property type. Find out more.

What is the minimum loan HSBC will lend?

HSBC will only provide lending to new customers if they meet HSBC Premier qualifying criteria.

Existing HSBC Premier customers can apply for home loan values of any amount although other home lending criteria may still need to be met.

How long does the whole process take normally?

Please view the section in our 'how to apply' checklist about how long things take. Timings are indicative only.

Do I need an HSBC bank account to finance my HSBC home loan?

You don't need an HSBC account to make repayments on your HSBC home loan, however it will make money management easier if you use HSBC for transactional banking because everything appears on the same statement and you only have to deal with one bank to maintain repayments.

What are HSBC's current interest rates?

Find out our latest interest rates for home loan.

What are the associated fees and charges?

Please view our Personal Financial Services Fees and Charges

What if I go overseas? Can I keep my home loan?

It is possible to continue to repay your HSBC NZ home loan if you live in a different country by setting up automatic payments from a New Zealand bank account.

Who can I call if I have a question about my home loan?

Please call us on 0800 80 23 80, from 6:00am to 10:00pm, 24 hours a day, 7 days a week or request a call back from a dedicated relationship manager.

What are the repayment terms for paying off an HSBC home loan?

Find out what our repayment terms are for all loans

What do I need to know about early repayment of a fixed rate loan?

You may want to repay in part or full your fixed rate loan with HSBC. If you prepay before the end of the fixed rate period a prepayment loss recovery may become payable by you. For more information click here.

How do I apply?

To find out more information on how you can apply for a HSBC home loan please click here

How do I find out if I am eligible for a home loan?

HSBC will only provide lending to new customers if they meet HSBC Premier qualifying criteria.
Existing HSBC Premier customers can apply for home loan values of any amount although other home lending criteria may still need to be met.

To find out more please call us on 0800 80 23 80, 24 hours a day, 7 days a week or request a call back from a dedicated relationship manager.

How much can I borrow for a residential property?

Up to 90% of the value of the property for an owner occupied residential property. Please note for loans over 80%, Lenders Mortgage Insurance will be required. Find out more

Existing HSBC Premier customers can apply for home loan values of any amount although other home lending criteria may still need to be met.