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First time buyers

Helping you to secure your first home

Help every step of the way on your journey to becoming a home owner

Buying your first home is an exciting time. It's also likely to involve some of the most important financial decisions you’ll ever make.

However, the process doesn’t have to be difficult. Our lending specialists are there to help you every step of the way on your journey to becoming a home owner.

Why get a home loan with HSBC?

  • expert help from our lending specialists
  • some of the best rates on the market
  • fixed and variable interest rate options for first time buyers

Classic Home Loan

  • Discover the standard home loan that meets your needs

  • Purchase, build and complete a property that you intend to live in

Terms and conditions apply

About this loan

Maximum loan to value (LTV):

Primary residence 90%

Secondary residence 85%

2.8% pa

Variable interest rate

2.9% pa

Overall cost APRC

HomeStart

  • Pay the interest only during the first 3 or 5 years of your loan, meaning much lower initial interest payments than with a standard capital and interest repayment loan as you're not repaying any capital during these first years

  • See your loan convert to a standard capital and repayment schedule for the rest of the term

Terms and conditions apply

About this loan

Maximum loan to value (LTV):

Primary residence 90%

Secondary residence 85%

2.8% pa

Variable interest rate

2.9% pa

Overall cost APRC

You might be interested in

 

Read our step by step guide of what to expect when you're buying your first home.

 

Find peace of mind with our range of insurance packages.

 

Discover our standard home loan for everyone from first time buyers to seasoned property owners.

Listening to what you have to say about our services matters to us.