How much can you borrow?

Eligibility Home Lending Criteria

hsbclogo_bulding HSBC in New Zealand will only provide home lending to new customers if they meet our HSBC Premier qualifying criteria.

If you’re an existing HSBC Premier customer you can apply for a home loan of any value although other home lending criteria may still need to be met, just contact your Relationship Manager.

Calculating how much you can borrow

We understand that you might need an indication of how much you could borrow, as well as work out what the repayments would be and how long it would take to pay it off.

Use our simple calculators to get this information.

Lending guidelines

Depending on how much you have saved and provided you meet the HSBC Premier qualifying criteria, we could lend the following:

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.

The following conditions will apply:

A registered valuation will be required
The loan applies to the purchase of a standard property only and excludes apartments, terraced houses, land and properties under construction
Other criteria may apply
An application fee may apply.