Why choose a home loan product from HSBC?

Looking to purchase a new home or 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.

As one of the largest banking and financial service organisations in the world, with over 6,000 offices in more than 80 countries and territories, we make managing your personal finances easier and help give you more control.

Together with your own dedicated relationship manager you can tailor a home loan solution that suits you. We have a range of home loan options to choose from, so talk to us today.

How we can help you choose an HSBC Premier home loan

  1. Get a home loan pre-approval that is valid for three months, so that you can bid and buy with confidence
  2. Preferential rates exclusive to you – we'll hold the rate for 30 days for free from when your loan is approved and documented
  3. Potential contributions towards solicitor's or valuation fees
  4. Use our online calculators to work out how much you may be able to borrow
  5. 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.

HSBC Premier has the flexibility to move with you as you change

From time to time you may wish to adjust your home loan.

You can talk to us at any time about making your home loan work better for you as we have a range of options available.

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 rate1.

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 property2.

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). For Fixed Rate Home Loans, any lump sum payments made during the fixed rate term must be a minimum of $5,000 and you may be required to pay an early prepayment loss recovery fee.

1Credit criteria apply and top up fee may apply. 
2Subject to approval.