As an Australian expat, see what home loans are available at HSBC Australia.

Getting HSBC Home Loan has never been so comfortable

HSBC 2-Year Fixed Rate

Expats looking for security can find it with the HSBC fixed-rate package. With this loan, customers can be confident that their monthly repayments will be the same.

HSBC offers competitive rates and the option to split with variable loans. The minimum loan amount is $50,000.

Other HSBC’s fixed rates are available for 1, 2, 3 and 5 years, but the 2-year fixed rate is the most popular.

Standard Variable-Rate

Most borrowers prefer to use variable-rate loans to utilise the offset account and save on interest payments. Borrowers have access to a 100% offset account and the flexibility to redraw additional fees for free.

This variable-rate home loan is excellent for purchasing existing properties and construction projects.

*Note that interest rates apply on the day you draw your loan. Not at the time of application. Thus, they are subject to change.​

HSBC Home Value Loan Review 

Home Value Loan is HSBC’s featured variable rate product. Borrowers can make extra repayments without paying additional fees and can redraw the additional amount should they require the funds.

This loan requires one-off fees such as valuation fee, establishment fee and settlement fee but will waive monthly or annual fees after.

Benefits of choosing HSBC Australia

HSBC Australia offers a variety of benefits and features on its home loan packages.

Pros Cons
Competitive interest rates to HSBC Australia's premier customers
HSBC Australia only does home loans with an LVR of up to 60% for expats
More extensive deposits will allow customers to secure lower interest rates
Known for hefty overseas income shading
Flexibility with prepayments
Not suitable for first-home buyers with a lower deposit
HSBC is a significant global bank with branches and ATMs in 70+ countries
Interest rates are less competitive than others in the market

Allow us to find you the perfect home loan.

Apply online to get expert recommendations with real interest rates and repayments.

HSBC home mortgage loan review and features

Here are the main features of HSBC Australia’s home loan options.

Feature Details
Deposit Size
HSBC has a maximum LVR of 60%, meaning you'll need a 40% deposit.
Repayment Options
Make unlimited free extra repayments with a home value loan.
Cashback offers
HSBC offers customers cashback when refinancing a home loan.
Interest Rates
2-year fixed rate of 5.49% for expats investing in property in Australia. Variable-rate loans at 4.69%.
Expat Information
Buyers from overseas will need a lower LVR.

Facts about HSBC home mortgage loans

Best interest rates for HSBC premier customers living overseas.

Cashback is available when refinancing to HSBC.

Free extra repayments every year are available with home loan packages.

A significant presence in Hong Kong.

How do I apply?

When you apply for a home loan with HSBC Australia, you must provide several documents.

Who is eligible?

  • You don’t need to be a previous HSBC customer
  • Over the age of 18

What documents will I require?

HSBC Australia requires you to provide several documents, including:

Form of Identification​

Passport, driver's licence, birth certificate etc.


Bank account statements showing three months of salary income.

Existing Loan Details

Details on other loans (housing, personal, or car).

Property Details

Mortgage and rental income statement.

Feel free to speak with one of our professional brokers and find out if you meet HSBC Australia’s home loan criteria!

Allow us to find you the perfect home loan.

Apply online to get expert recommendations with real interest rates and repayments.

Other related products from HSBC

HSBC Australia offers other home loan products, including the following:

HSBC Premier Loan

Premier customers can enjoy discounted interest rates and fees. They can also benefit from Premier Mastercard with HSBC rewards, no annual credit card fee, and a personal relationship manager.

HSBC Everyday Global Account

Make life easier with an all-in-one currency account for your everyday banking needs—no ATM or transaction fees at home or overseas.

Was our HSBC mortgage loans review helpful? Let us know by contacting us at

FAQs about HSBC mortgages

HSBC Australia offers a variety of features on their home loans for those looking to purchase in Australia. These features include unlimited free extra repayments on variable home loans and cashback offers for those looking to refinance with HSBC. Buyers from overseas will be required to have a maximum LVR of 60%.

Yes. HSBC is a global financial institution becoming increasingly popular with overseas buyers looking to purchase a property in Australia. You’ll be required to provide a deposit of 40%, but this will allow you to secure a lower interest rate than those with lower stakes.

When we have found a property that matches your borrowing capacity in the pre-approval stage, Westpac will need a confirmed contract of sale before settlement can commence. Once this is all provided, the settlement process will take between 4 and 8 weeks.

See What You Qualify For