1 Year Fixed (Non- Package)

 General Lending Rates

• Lending Rate Type: Fixed
• Interest Rate: 7.09%, Comparison Rate 7.57%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 7.09%, Comparison Rate 7.84%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 7.34%, Comparison Rate 7.78%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 7.34%, Comparison Rate 8.04%
• Repayment Type: Interest Only
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 7.24%, Comparison Rate 7.76%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

• Lending Rate Type: Fixed
• Interest Rate: 7.24%, Comparison Rate 8.03%
• Repayment Type: Principal And Interest
• Loan Purpose: Investment

 Product Features

• Extra Repayments Additional Information: Up to $10,000 extra repayments per year

• Other Additional Information: Split your loan balance into separate fixed rate and variable rate accounts

 Product Eligibility

• Min Age - 18.

 Bank Fees and Charges

• Establishment Fee (Upfront), Amount: 600.00. Additional Information: When we processes a customers loan application. Waived during campaign

• Settlement Fee (Upfront), Amount: 150.00. Additional Information: When a customers loan is first drawn. Waived during campaign

• Loan Splitting Fee (Upfront), Amount: 100.00. Additional Information: For a fourth loan account or more.

• Guarantor Preparation Fee (Upfront), Amount: 100.00. Additional Information: When there is a guarantor and we prepare a guarantee document

• Multiple Security Property Fee (Upfront), Amount: 150.00. Additional Information: When we prepare each mortgage for the third security or more. Payable in addition to any other security preparation fees.

• Fixed Rate Lock Fee (Upfront), Amount: 750.00. Additional Information: When a fixed loan is first drawn, or is fixed through a variation; and the customer opts for fixed rate lock.

• Discharge Fee (Exit), Amount: 395.00. Additional Information: When we discharge the mortgage over the security property

• Consent / Production Of Title Fee (Event), Amount: 100.00. Additional Information: When we consider a request the customer makes for us to consent to something or where we produce a certificate of title.

• Loan Variation Fee (Event), Amount: 300.00. Additional Information: When we agree to vary the customers loan agreement.

• Pexa Electronic Transaction Service Fee (Variable), Amount: Not Listed.. Additional Information: When we settle the customers new loan or discharge. The amount the electronic settlement operator charges us, which we will charge to the customer.

• Valuation Fee (Variable), Amount: Not Listed.. Additional Information: 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

• Lenders Mortgage Insurance (Variable), Amount: Not Listed.. Additional Information: 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.

• Search Fees (Variable), Amount: Not Listed.. Additional Information: When we conduct searches (e.g. Land Titles Office). This is the amount charged for title searches on the property.

• Break Costs (Variable), Amount: Not Listed.. Additional Information: Payable if during any fixed interest period the customer:- switches to a different interest rate; or- the customer switches product for any reason (including because we have required repayment under your loan contract);- prepay more than $10,000, during any 12-month period starting on the date the interest rate was first fixed or in any following consecutive 12-month period.

 Limitations & Restrictions (Constraints)

• Min Limit of 50000.00

• Max Limit of 15000000.00

• Min Lvr of 0.0001

• Max Lvr of 0.90

 Document Downloads

  terms-and-conditions.pdf (272 K)
  fixed-rate-home-loan.pdf (296 K)
  hl-fees-charges.pdf (40 K)
  fixed-rate-handout.pdf (306 K)