Home Smart

But Home Smart incorporates the all-in-one transaction and variable rate loan facility of a Revolving Credit Mortgage with structured monthly payments. This ensures that your loan is paid off over the term of the loan, but still giving you instant access to any additional funds you have paid into the loan, at any time, for any purpose, and without penalty. It really is the best of both worlds - the control you want, with the freedom you need.

*Assumes a $160,000 loan over 25 years with an interest rate of 6.65% p.a. a monthly salary of $4,055 and monthly expenses of $2,400.

Home Smart can become the foundation of your wealth building strategy, helping you build equity in your home and saving you interest at the same time. Managed correctly, Home Smart can help you pay off your loan years sooner.

There are several ways you can apply for a Home Smart home loan. Choose the one which suits you:

• Visit an HSBC branch
• Apply online
• Arrange for one of our Home Loans Specialists to call you at a time which suits you
• Call us on 0800 80 23 80
You might want to refer to our useful section about how to apply for a home loan before applying

If you would like to know more about Home Smart Home Loans, read our frequently asked questions or call us on 0800 80 23 80.

If you have a specific question which isn't covered here, complete our short online form and one of our Home Loan Specialists we will get back to you within 2 business days.

Normal lending criteria and minimum loan value applies. Standard Loan Terms and conditions apply and are available upon application. A registered valuation may be required. Mortgage lenders insurance and/or an application fee may apply. Discharge fees may apply. For full details please refer to our Personal Financial Services Fees and Charges section.