HSBC First home buyer Home Loans, July 2026
HSBC doesn't currently advertise products meeting our visibility filter in this segment. The panel below shows the full 85+-lender market for benchmark.
RBA cash rate 4.35%(effective 17 Jun 2026)|Rates updated |12 products|5 Australian lenders
Editor's Pick · Ratesniffers Editorial Team
Top Home Loan Rates in July 2026
Reviewed by the Ratesniffers Editorial Team, July 2026
HSBC's sharpest first home buyer options.
Type
Lender & product
Rate p.a.
Comp. rate p.a.*
Max LVR
Variable rate
HSBCHome Smart (Package)
5.94%
5.98%
80%
Fixed rate
HSBC1 Year Fixed (Package)
6.29%
6.33%
80%
Interest only
HSBCStandard Variable (Package)
6.24%
6.28%
80%
First Home Buyer Loan
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
5.89%p.a.
58d ago
Comparison*
5.89%p.a.
Monthly repayment
$2,962
LVR 70–90%
myBlue FHB Non Scheme Variable O/Occ P+I (up to 95% LVR)
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
5.99%p.a.
Comparison*
6.03%p.a.
Monthly repayment
$2,995
LVR —
Standard Variable Rate - Home Package Plus Special Offers for First Home Buyers
Owner-occupierVariableP&IOffsetRedrawExtra repayments
Interest
6.08%p.a.
Comparison*
6.12%p.a.
Monthly repayment
$3,024
LVR ≤95%
First Home Buyers (Bendigo Complete Home Loan)
Owner-occupierVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.23%p.a.
Comparison*
6.45%p.a.
Monthly repayment
$3,072
LVR —
OnlineAMP First Home Loan
Owner-occupierVariableInterest onlyOffsetRedrawExtra repayments
Interest
6.44%p.a.
Comparison*
6.48%p.a.
Monthly repayment
$3,141
LVR ≤80%
*Important Information and Comparison Rate Warning
This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.
HSBC · First home buyer
HSBC first home buyer home loans, what to weigh
HSBC's first-home-buyer eligible products, Home Guarantee Scheme accepted where the lender participates. HSBC's sharpest variable currently: 5.99%. Sharpest fixed: 6.29%.
See also HSBC's full product range, repayment calculator, and refinance savings calculator.