Home Loans

• Get a home loan pre-approval that is valid for three months, so that you can bid and buy with confidence
• Preferential rates exclusive to you – we'll hold the rate for 14 days for free from when your loan is approved and documented
• Potential contributions towards solicitor's or valuation fees
• Use our online calculators to work out how much you can borrow
• Multiple repayment options

We have a range of home loan options to choose from, we can tailor a home loan solution that suits you.

Home Equity Home Loan	Fixed Rate Home Loan	Floating Rate Home Loan	Foreign Currency Home Loan
As long as you have at least 20% equity in your home, you can take advantage of our Home Equity Home Loan, which will give you access to the funds you need to forge ahead. And whilst you are building your assets, you'll find a Home Equity Home Loan delivers a lot of other advantages including: The opportunity to pay off your loan faster A smarter way to work with the money you have A competitive, variable interest rate Flexibility to repay the principal when you choose Find out more If you would feel more comfortable knowing exactly what your repayments are, or want to protect yourself against interest rate rises, our Fixed Rate Home Loan will give you security and control, plus a number of other benefits including: Competitive interest rates Control over your money A range of fixed interest rate terms from six months to five years Automatic access to a standard floating Find out more Not everyone wants or needs a loan with all the bells and whistles. Which is why our Floating Rate Home Loan delivers a simple, straightforward approach and some very attractive benefits including: Competitive interest rates The flexibility to make additional repayments without penalty to save on interest Freedom to redraw any additional prepayments (minimum redraw of $2,000 and fee applies) No account maintenance fees Find out more HSBC also offers home loans in Foreign Currencies for the purchase of a residential property in New Zealand. A Foreign Currency Home Loan is available to people who earn the majority of their income in a foreign currency. Loans are currently available in six international currencies (USD, HKD, SGD, AUD, JPY, EUR). Taking out your home loan in a foreign currency will allow you to: Purchase a New Zealand property and have your home loan denominated in the currency in which you earn income Avoid the uncertainty of currency conversions by matching the currency of your loan with the currency of your overseas income Find out more

Call us: 0800 80 23 80 (or +64 9 918 8350 from overseas) seven days a week and we will contact you within 24 hours

• View the HSBC Premier Home Loan rates
• Download the complete Home Loans brochure
• Compare home loans

• How Much Can You Borrow?
• What Kind of Home Loan Do You Need?
• How to Apply for a Home Loan
• Reviewing Your Home Loan
• Things You Need to Know
• HSBC Premier Home Loan rates

For HSBC Premier home loan rates eligibility criteria and HSBC Premier Terms and Conditions apply.

HSBC normal lending criteria apply. Full terms and conditions for HSBC loans are available upon application. Interest rates quoted are subject to change without notice. Fees and charges may apply. Early Loan Prepayment fees may apply to fixed home loans. Retail Banking and Wealth Management Terms and Conditions apply.

Our calculators provide an estimate/illustration only and are based on the accuracy of the limited financial information provided by you. HSBC does not guarantee the accuracy or reliability of this service. HSBC specifically disclaims any liability for any damages or loss arising out of the use of or reliance on any calculator. Results do not take into account any other additional payments and assume a constant interest rate for the term of the loan. In practice, interest rates are subject to change. Early repayment loss may apply to fixed rate loans and these calculators do not take into account any break costs or fees or charges associated with early repayment. Additional assumptions may apply to each calculator. These calculators do not constitute an offer of finance by HSBC and a full lending application is required to be completed.

This material is for information purposes only. Its content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a personalised financial adviser service under the Financial Advisers Act 2008. You should not make any decisions based on the information set out above or obtained using any calculator without consulting your financial adviser, solicitor, accountant or all of them.