5 Year Fixed (Non- Package)

5 year fixed rate loan
Category: Home Loans  Last Updated May 17, 2026  Effective June 3, 2026

 General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information O/O Fixed 5 Years P&I (LVR<=80%)
Interest Rate
7.34% PA
Comparison Rate
7.52%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  LVR
Minimum: 0.8001 PERCENT Maximum: 0.9 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.34%, Comparison Rate 7.68%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  LVR
Minimum: 0.0001 PERCENT Maximum: 0.8 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.59%, Comparison Rate 7.74%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 0.8001 PERCENT Maximum: 0.9 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.59%, Comparison Rate 7.91%
  • Repayment Type: Interest Only
  • Loan Purpose: Investment
  LVR
Minimum: 0.0001 PERCENT Maximum: 0.8 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.49%, Comparison Rate 7.70%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Investment
  LVR
Minimum: 0.8001 PERCENT Maximum: 0.9 PERCENT
  • Lending Rate Type: Fixed
  • Interest Rate: 7.49%, Comparison Rate 7.86%
  • 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 process 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
  • 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
  • Loan Splitting Fee (Upfront), Amount: 100.00. Additional Information: For a fourth loan account or more.
  • 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.
  • 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. https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/hl-fees-charges.pdf
  • Discharge Fee (Exit), Amount: 395.00. Additional Information: When we discharge the mortgage over the security 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. https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/hl-fees-charges.pdf
  • 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.

 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)