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HSBC Home Value Loan 3.99% (4.01% CR) Owner Occupier Only

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HSBC Home Value Loan 3.99% (4.01% CR) Owner Occupier Only
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aussie bargain on 02/02/2016 - 01:06 hsbc.com.au (577 clicks)

HSBC home value loan
Rate of 3.99% no offset

Note that HSBC has increased their rates, so this is a pretty good rate.

There's also the Premier home loan at 4.05% (with offset) but as someone pointed out in my previous post, the $35 pm isn't really worthed unless u can get it waived (global premier or work for certain companies).

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  • twocsies on 02/02/2016 - 01:35

    When we click on "Compare Home Loans" (https://www.hsbc.com.au/1/2/personal/home-loans/interest-rat…) we can see that Home Value Loan has a 4.99% (5.05% CR) p.a. comparison rate. But right now there's the promotion for 3.99% (4.01% CR), which 1% less. How does that work? Will they simply keep every loan 1% below whatever rate they announce?

    • tomleonhart on 02/02/2016 - 08:44

      Correct. That 1% is the discount you would get for the life of the loan.

  • dumkaze on 02/02/2016 - 06:30

    work for certain companies ????

    • dumkaze on 02/02/2016 - 07:29

      What are companies for fees waiver ??

    • etan on 02/02/2016 - 10:38

      Home Loan Offers for Corporate Partner Employees.

      • Benefit from no monthly Premier service fees (saving $420 p.a.).
      • HSBC Easy Switch2 gives you simple, accelerated and hassle-free refinancing because we do all the work for you.
      • No up-front fees - $0 Establishment Fee (a saving of $300), $0 Settlement and $0 Valuation Fee (up to $215). Other fees and changes may apply.
  • tomleonhart on 02/02/2016 - 08:47
    +1

    Broker here.

    Note that BOQ is also offering 3.99% (comparison 4.03%) with offset if you borrow more than 500k and LVR <80% for Owner Occupied. Just thought I'll mention :)

    • burningrage on 02/02/2016 - 09:02

      Sweet.

      I am thinking of switching this year but still about 3-4 months away at least.

      • tomleonhart on 02/02/2016 - 09:09

        Cool Banana. May I ask why ? Fixed rate ?

        • burningrage on 02/02/2016 - 09:54

          In short, uncompetitive rates and this is even with Citigold 0.2% additional discounts.

          It's a bit complicated but what I got now is a Int Only 4.4% 2 loans (one of them is offset) that is expiring by next year.

          The intention is probably to have one on fix and one on variable but still on Interest only.

          Aggregate LVR < 70%

        • tomleonhart on 02/02/2016 - 09:58

          @burningrage: Ah right. Well i'm happy to help when the time comes if not you can always go straight to the bank :)

    • bargainbargain on 02/02/2016 - 09:32

      Has anyone had experience with BoQ? How are they as lender?

    • BestofOZB on 02/02/2016 - 11:29

      Will PM you.

  • Associatedmelvinling @ HSBC on 02/02/2016 - 09:12

    Hi all, do PM me if you would like to find out more on the Home Loan Campaign

  • Stalker on 02/02/2016 - 09:58

    Hi guys - this seems like a good deal.

    Who would you recommend for the refinancing of $275k from St George where I am currently getting 4.79% variable? LVR is healthy (property value would be $600k+) and it would be owner occupier. Bells and whistles such as offset and low ongoing fees are of interest, but I'll probably leave my bank account and debit/credit cards with St George, so the rate and an easy refinancing process are of most interest.

    My initial research suggest that Suncorp and BoQ are quite popular, and I like the idea of an established 'bank' as opposed to credit unions or online only lenders.

    All suggestions welcome. Thanks!

    • tomleonhart on 02/02/2016 - 09:59

      I'm a broker but i'm speaking by my own experience.

      Suncorp is great, my loan is with them and i can't complain :)

      • pyramid on 02/02/2016 - 11:44

        tomleonhart - as a first home buyer, im interested in home loan around ~450 to ~470k. Who do you think would be better options HSBC, BOQ, Suncorp or anyother?

        • tomleonhart on 02/02/2016 - 12:05

          Hi,

          I can't really give advice via this medium without taking into account a bit more of your information. Would you mind send me a pm ?

          Thanks

        • pyramid on 02/02/2016 - 12:37

          @tomleonhart: sent. Thanks.

  • vee on 28/02/2016 - 22:10

    I recently have contacted loans.com.au and they are offering 4.08% with offset account. Anyone has experience with them? Read from whirlpool that they are not that great, mixed reviews.. I am currently with NAB at 4.43%.

  • StingerGt on 28/02/2016 - 22:20

    Vee BANKWEST has 4.08% offset also and its part of Commonwealth bank I believe.

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