Looking to purchase a new home or an investment property?
Buying a new house is exciting and we are here to help you. HSBC Premier is a personalised banking service that is built around you, offering a high level of personal care and attention both in New Zealand and overseas.
Take advantage of a low 4.29% p.a. home loan fixed for two years or view our current home loan rates.
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or call 0800 80 23 80
How we can help you choose an HSBC Premier home loan
- 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
HSBC Home Loans As individual as you are
- Potential contributions towards solicitor’s or valuation fees
- Use our online calculators to work out how much you can borrow
- Multiple repayment options
We’ll help you get the right home loan and, with help from our experienced HSBC Premier relationship managers, make sure it matches your lifestyle.
Our range of Premier Home Loan solutions
- 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
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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 rate loan at the end of the fixed rate term
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As a result both the interest rate applied to your loan and the amount you are required to pay on a monthly or fortnightly basis may also rise or fall. In the case of falling interest rates you can elect to reduce your repayments, or you may prefer to continue making repayments at the higher level, which effectively helps you pay off your loan faster
Also, by ‘splitting’ part of your loan into a fixed interest rate component you can have additional security against rising interest rates.
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Would you like the benefits offered by more than one loan? You can mix and match most of our home loans. All you have to do is consider your priorities and think about the things in a home loan that are essential to you. For example, you may decide a split between a Home Equity Home Loan and a Fixed Rate Home Loan to meet your needs. You’ll have access to funds to grow your wealth with the security of a fixed rate should interest rates rise in the future. Whatever you decide, splitting your loan lets you take advantage of a range of options and strategies to design a home loan that’s as individual as you are.
A construction loan is an interest only Floating Rate Home Loan, which means the interest rate can vary. As a result both the interest rate applied to your loan and the amount you are required to repay on a monthly basis may also rise or fall.
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Top up your home loan
As you repay your loan, you may apply to borrow more for any purpose, still secured by your house and still at HSBC’s competitive home loan interest rate.
Keep the same home loan when you move house
If you sell your home and buy another, you may retain your existing HSBC Premier Home Loan package by simply exchanging the security to your new property.
Make additional repayments without penalty
With a standard Floating Rate and Home Equity Home Loan, there are no penalties for early or lump sum repayments. You can also increase the repayments on your Fixed Rate Home Loan by up to a further 20%, with no penalties (any increase must be for the remainder of the fixed term).