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HSBC Premier Fixed Rate Home Loan

Choose an HSBC Premier Fixed Rate Home Loan for peace of mind

With an HSBC Premier Fixed Rate Home Loan, the interest rate is fixed for a term that you choose: six months, one year, two years, three years, four years or five years.

This gives you the security and peace of mind of knowing exactly what you will have to repay over the period of time you have chosen.

At the end of the agreed fixed term, the loan generally reverts to our Floating Rate Home Loan. Alternatively, you can also choose to:

  • Renegotiate a further fixed term, at the interest rates applicable at the time
  • Pay off the loan, in part or full
  • Choose an alternative loan from HSBC that meets your needs

Before you apply, it's a good idea to make sure you are prepared.


Early repayment for HSBC Premier Fixed Rate Home Loans

If you prepay your home loan before the end of the fixed rate period, you may be charged an early prepayment loss recovery.


Answering your questions

We are happy to help you with any questions you may have. Alternatively, you may also want to refer to some of the frequently asked questions that our customers ask us about buying a home.


A helpful checklist

We've created a How to apply checklist that covers helpful information such as:

  • What HSBC needs to know – a comprehensive list of information you may need when you apply
  • What you need to do – to help you understand the steps involved in buying your home
  • What costs are involved – to help you budget
  • How long things might take – to help you plan ahead


Other useful information

Please also refer to the useful information section, which includes:

  • Important considerations associated with having an HSBC New Zealand home loan so there are no surprises
  • Home buying glossary – we aim to keep things simple, but here is a glossary of unfamiliar terms
  • A list of useful websites you might need as part of the New Zealand home-buying process
  • Buying tips in case it's your first home purchase

*Terms and conditions

Customers must provide an owner occupied property as part of the security

Interest rates subject to change or withdrawal without notice. HSBC Premier qualification criteria applies (e.g. combined lending of NZD500,000 or more or NZD100,000 of savings and investments with HSBC). Early repayment fees may apply to fixed rate loans. HSBC Retail Banking and Wealth Management Terms and Conditions apply. Issued by The Hongkong and Shanghai Banking Corporation Limited, incorporated in the Hong Kong SAR, acting through its New Zealand branch (“HSBC”).

Rates are valid as on Friday April 13, 2018

Home Loans Interest Rate (p.a.)
1 year fixed 4.19%      
2 year fixed 4.29%     
3 year fixed 4.89%
4 year fixed 5.29%
5 year fixed 5.59%

Home loan calculators

Check out our home loan calculator to see just how much difference extra repayments can make to your overall loan.

Home loan calculator