Everybody's circumstances are different. Because having a home loan can be such a large long-term investment, you may want to consider reviewing / changing the way your home loan works, or could work for you over time.

Below are some examples of why you might want to review your loan. As an existing customer, it is simple to change the way your HSBC home loan is structured. All you need to do is call your existing Relationship Manager or request a call back and we can discuss what you would like to do.

Don't forget, if your fixed rate home loan is about to expire, it's a good time to review this anyway. Bear in mind that if you do not refix or change your home loan at this time, it automatically reverts to a floating rate.

If you currently have your home loan with another lender and are looking to switch find out more about HSBC home loans.

1. I'd like to restructure my loan to reflect changes in the market
Review our latest home loan interest rates and work out what your repayments would be based on these.

2. I need some cash for home renovations, a car, a holiday, etc...
Things may have changed in your life since you took out your home loan and it may be possible for you to get a top up.

3. My income has increased since I took out my home loan, and I'd like to know if this will help me pay my loan off earlier.
HSBC offers a flexible range of home loans which can help you repay your home loan earlier. Find out more about Home Equity loans

4. I have more financial commitments than I did when my home loan was set up and would like the security and certainty of fixed monthly repayments to help me save for the future
If you are looking for peace of mind, Find out more about a Fixed Rate loan.

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1. Transactional accounts to help repay your home loan
Find out about our Online Savings Account which will enable you to make transfers into your HSBC Home Loan account. Customers normally need to open an Online Savings Accounts with $10,000 however this is waived for Home Loan customers. You can apply online for an Online Savings Account

2. Insuring your HSBC home loan
Life is full of change and with any change it is very important to make sure that you and your family are still covered for all risks.

• HSBC Mortgage Insurance :Your home is usually the biggest financial investment you are likely to make and it is worth making sure you are covered if something unexpected happens which prevents you from meeting your home loan payments
• HSBC Home Insurance: Comprehensive protection for both internal and external damage to your home.
• HSBC Contents Insurance : When you calculate how much you spend on personal belongings, it can add up to quite a large amount. HSBC Contents Insurance is designed to provide you with peace of mind and financial protection against damage to, or the loss of, contents in your home. Find out more