Top of main content

How much can I borrow?

Eligibility home lending criteria

HSBC in New Zealand will only provide home lending to new customers if they meet our HSBC Premier qualifying criteria.

If you’re an existing HSBC Premier customer, you can apply for a home loan of any value, although other home lending criteria may still need to be met.

Find out by contacting your relationship manager.

Calculating how much you can borrow

We understand that you might need an indication of how much you could borrow. You may also want to work out what the repayments would be and how long it would take to pay a home loan off.

Use our simple calculator to get this information.

Lending guidelines

Depending on how much you have saved, and provided that you meet the HSBC Premier qualifying criteria, we could lend you:

  • Up to 80% of the value of the property for a residential property


To qualify for HSBC Premier, you need to meet the following qualifying criteria:

  • A minimum value of NZD500,000 in home loans with HSBC in New Zealand (facility limit not outstanding balance); and/or
  • A minimum value of NZD100,000 in savings and investments with HSBC in New Zealand; and/or
  • If you are an overseas HSBC Premier customer you will automatically qualify for Premier customer status in New Zealand.

After qualifying as a HSBC Premier customer, minimum home loan values no longer apply, although other home lending criteria may still need to be met. Eligibility criteria applies to HSBC Premier and the eligibility criteria is set at our discretion.