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Home Loans

Choose the right home loan for you

Buying a new house is exciting and we are here to help. Together with your own dedicated relationship manager you can tailor a home loan offered at competitive interest rates that best suits you.

Home loan rates:   1yr fixed = 4.19% pa  2yrs fixed = 4.39% pa  3 yrs fixed = 4.69% pa  4yrs fixed = 5.09% pa  5yrs fixed = 5.29% pa  Floating = 5.59% pa  Home loan rates:   1yr fixed = 4.19% pa  2yrs fixed= 4.39% pa  3 yrs fixed = 4.69% pa  4yrs fixed = 5.09% pa  5yrs fixed = 5.29% pa  Floating = 5.59% pa

HSBC Premier Fixed Rate Home Loan

Interest
rate
type
Fixed

Loan
term
Maximum 30 years*

Direct salary
payments?
No

Early
repayments?
Yes
(early prepayment costs / fees apply)

Convenient
fund access?
No

Key features and benefits
  • Select your term from six months to five years
  • Competitive interest rates that vary depending on the term of your loan
  • A wide range of loan structures alows you to split your loan over a number of terms to better protect yourself against interest rate rises
  • Security and control to manage your finances confidently, knowing your repayments will not change during the fixed term
  • Choose your interest payment frequency - either fortnightly or monthly interest payments
Like some help?

Call our Premier consultants at
0800 028 088

We’re here 24 hours a day, 7 days a week.

 

HSBC Premier Floating Rate Home Loan

Interest
rate
type
Floating

Loan
term
Maximum 30 years

Direct salary
payments?
No

Early
repayments?
Yes

Convenient
fund access?
No

Key features and benefits
  • Competitive variable interest rate, usually linked to the Official Cash Rate
  • Flexibility, to make additional repayments without penalty to save on interest
  • Control to redraw any additional prepayments (minimum redraw of $2,000 and fee applies)
  • Value No account maintenance fees
Like some help?

Call our Premier consultants at
0800 028 088

We’re here 24 hours a day, 7 days a week.

 

HSBC Premier Home Equity Home Loan

Interest
rate
type
Variable (set over floating rate)

Loan
term
On demand

Direct salary
payments?
Yes

Early
repayments?
Yes

Convenient
fund access?
Yes (all bank channels)

Key features and benefits
  • Pay off your loan faster, by puting all your income and savings into your Home Equity Home Loan account and leaving it there for as long as possible. This effectively lowers your loan balance and reduces the amount of interest you have to pay
  • Build your assets, because the equity you hold in your home is readily available via your line of credit, you can use it for any purpose - for example purchase another property or carry out renovations.
Like some help?

Call our Premier consultants at
0800 028 088

We’re here 24 hours a day, 7 days a week.

 

HSBC Premier Construction Home Loan

Interest
rate
type
Variable (set over floating rate)

Loan
term
On demand

Direct salary
payments?
Yes

Early
repayments?
Yes

Convenient
fund access?
Yes (all bank channels)

Key features and benefits
  • This is the ideal loan if you are building a new home or doing major renovations on your existing home
  • The loan amount is drawn down in stages meaning that you only pay interest on the amount already paid out
  • The money is usually paid direct to the builder or supplier, rather than to you, and your deposit is used first
Like some help?

Call our Premier consultants at
0800 028 088

We’re here 24 hours a day, 7 days a week.

 

HSBC Premier Foreign Currency Home Loan

Interest
rate
type
Fixed every three months

Loan
term
Maximum 20 years

Direct salary
payments?
No

Early
repayments?
Yes

Convenient
fund access?
No

Taking out your home loan in a foreign currency can have a number of benefits
  • Simplicity: Purchase a New Zealand property and have your home loan denominated in the currency in which you earn income (USD or HKD)
  • Certainty: Avoid the uncertainty of currency conversions by matching the currency of your loan with the currency of your overseas income
Like some help?

Call our Premier consultants at
0800 028 088

We’re here 24 hours a day, 7 days a week.