Compare home loan features and terms

Summary of the features and terms of our home loan products.
Home Loan product Interest rate type Loan term Direct salary payments? Early repayments? Convenient fund access?
Fixed Rate Home Loan Fixed Maximum 30 years
No Yes (early repayments costs/ fees apply) No
Floating Rate Home Loan Floating Maximum 30 years No Yes No
Constrution Loan Variable (set over floating rate)
On demand
Yes Yes Yes
Home Equity Loan Variable (set over floating rate)
On demand
Yes Yes Yes
Split Loan Not Applicable
Not Applicable
Not Applicable
Not Applicable
Not Applicable
Summary of the features and terms of our home loan products.
Home Loan product Fixed Rate Home Loan
Interest rate type Fixed
Loan term Maximum 30 years
Direct salary payments? No
Early repayments? Yes (early repayments costs/ fees apply)
Convenient fund access? No
Home Loan product Floating Rate Home Loan
Interest rate type Floating
Loan term Maximum 30 years
Direct salary payments? No
Early repayments? Yes
Convenient fund access? No
Home Loan product Constrution Loan
Interest rate type Variable (set over floating rate)
Loan term On demand
Direct salary payments? Yes
Early repayments? Yes
Convenient fund access? Yes
Home Loan product Home Equity Loan
Interest rate type Variable (set over floating rate)
Loan term On demand
Direct salary payments? Yes
Early repayments? Yes
Convenient fund access? Yes
Home Loan product Split Loan
Interest rate type Not Applicable
Loan term Not Applicable
Direct salary payments? Not Applicable
Early repayments? Not Applicable
Convenient fund access? Not Applicable

Fixed Rate Home Loan

The comfort of knowing exactly what your HSBC Premier Fixed Home Loan repayments will be.

  • 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

Floating Rate Home Loan

Not everyone wants or needs a loan with all the bells and whistles. So enjoy a simple straightforward approach instead with our HSBC Premier Floating Rate Home Loan.

  • Competitive variable interest rate
  • Flexibility to make additional repayments without penalty to save on interest
  • Control to redraw any additional prepayments1
  • Value with no account maintenance fees

Construction Loan

Building a house is a very time-consuming and often stressful event in your life. Make sure your HSBC Premier Construction Home Loan allows for all of these finishing touches, and ensure there is enough money available for the unexpected and for any finishing details.

Home Equity Loan

Growing your assets to create greater wealth.

  • Pay off your loan faster
  • Build your assets

Split Loan

Enjoy the benefits offered by more than one loan.

 

  • Combine up to six HSBC Premier home loans

1Minimum redraw of NZD2,000 and fee applies

Fixed or floating, whatever your preference, we have a home loan suited for you.

Home Loans resources

 

Not yet there? Use our home loan calculators to take the guesswork out and help you decide.

 

Save thousands over the life of your home loan with our consistently affordable rates.

 

Don’t know where to start? We have information to help you know everything there is to know about home buying.

 

Common questions about HSBC home loans products and services.