Fixed Rate Loans Reference Rate
Fixed Rate Loans
- From (owner occupied)
- 7.09%
- 9.19% comparison
Interest Rates
Owner occupied — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 1 year | 7.09% | 9.19% | — |
| Fixed · 2 years | 7.09% | 9% | — |
| Fixed · 3 years | 7.14% | 8.97% | — |
| Fixed · 5 years | 7.34% | 8.83% | — |
| Fixed · 4 years | 7.34% | 8.33% | — |
Owner occupied — Interest only
| Type | Rate | Comparison | Applies To |
|---|
Fees
| Fee | Type | Amount |
|---|---|---|
| Establishment Fee When we process a customers loan application. Waived during campaign | Upfront | $600.00 |
| Settlement Fee When a customers loan is first drawn. Waived during campaign | Upfront | $150.00 |
| PEXA Electronic Transaction Service Fee When we settle the customers new loan or discharge. The amount the electronic settlement operator charges us, which we will charge to the customer. | Other | From $0.00 |
| Valuation Fee When any valuation is required as part of the customers loan application. This is the amount the valuer charges HSBC, which we will then charge the customer. Waived during campaign up to $200 | Event | From $0.00 |
| Loan Splitting Fee For a fourth loan account or more. | Upfront | $100.00 |
| Lenders Mortgage Insurance For mortgage insured loans and when a customer first draws on their loan. This is the amount the insurer charges us, which we will charge to the customer. | Other | From $0.00 |
Features
- Extra repayments
- Up to $10,000 extra repayments per year
- Split your loan balance into separate fixed rate and variable rate accounts
Eligibility
- Minimum age — 18 years
Constraints
- Minimum limit — $50,000.00
- Maximum limit — $15,000,000.00
- Minimum LVR — 0.01%
- Maximum LVR — 90%
More Information
Published by HSBC under the Consumer Data Right · Last updated 17 May 2026 · Product ID FIXED RATE RR · View on CDR.gov.au