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Mortgages

Walk into your dream home

Low interest HSBC Home Loans

With HSBC's global expertise, we understand your needs and how we can best serve you. Part of our services includes helping you find the best financial tools to purchase, build, renovate your dream home or refinance your existing home loan.

What's more, with HSBC's Home Loan, you have access to flexible features and world-class benefits that allow you to customize your loan to fit your unique needs and requirements.  Enjoy the following:

Instant recognition

Opening a Home Loan account of at least PHP6,000,000 entitles you to enjoy the exclusive privileges available to HSBC Premier Clients for a trial period of 2 years. This includes a home loan preferential re-pricing discount of 1.00%! To continue enjoying the HSBC Premier status after the trial period, you will need to maintain the required Total Relationship Balance of PHP4,000,000 with the bank.

Straight-line or reducing balance calculation method

Opt for our straight-line scheme so you can easily forecast your amortization cost along with your other expenses.  Or, go for the Reducing Balance option to save on interest payments*.

Exclusive for Premier and Advance banking depositors only.

Buying a home

Buying a home might just be the largest investment you will ever make. Shopping for a house is filled with excitement, yet when the final decision needs to be made, it is normal to feel anxiety or apprehension. As a home buyer, you have a lot of questions and a lot of important decisions to make. 

Building a home

Building your home draws you closer to the life of your dreams. The process of constructing your house takes a lot of time, patience, and most importantly, money. Planning wisely makes you see the impact of the many factors you should consider. 

Refinancing a loan

Lighten your burden, enjoy additional savings and gear up on benefits by refinancing your mortgage with us. Whether you're looking to lower your monthly mortgage payment, switch to a fixed rate, or even get cash out to finance a major expense, we have the mortgage refinance information you need. We can work with you in realizing the savings you can enjoy when you decide to move your home loan with us from another bank. 

If you have been paying down your existing mortgage for some time, HSBC allows you to borrow back in whole or in part the equity you have in your property.

Refinancing your mortgage can be the second smartest decision you have ever made (next to buying your house). Find out how much you can stretch your budget and the savings you can get.

 

There are many benefits of refinancing. You may enjoy:

  • Lower interest rates
  • Reduction of monthly instalments
  • Free up cash for other life´s purposes
  • More flexible home loan/financing features such as ATM, cheque book and online banking facility

 

How does refinancing work?

  • You take advantage of your property’s rising value to obtain a larger home loan/financing amount
  • Your refinanced home loan/financing pays off your current home loan/financing
  • You are free to use the balance as you wish

Home Equity Loan

Your home can be a source of extra financing to help meet your financial goals. Whether you want to invest in a business, make home improvement or pay for you child´s education. No matter the reason, we have a convenient, affordable way to turn your home's equity into ready cash. 

Mortgage options

At HSBC, our goal is to give you the right amount of confidence by making you understand the options available to you.

Mortgage options and description
 
What you get What you can do Purchase loan Construction loan Refinance Home equity
Flexible repayment schemes
Opt for our Straight-Line Scheme, which allows you to forecast your expenses easily, or go for our Reducing Balance Scheme and save on interest payments.
Yes Yes Yes Yes
Friendly interest review dates / repricing
Select from annual, 2 years, 3 years, or 5 year interest rate repricing options. Choose which arrangement best fits your assessment of the interest rate trends.
Yes Yes Yes Yes
Wide range of loanable amounts
Loan amount should be PHP700,000 to PHP50,000,000 
Yes Yes Yes Yes
Fast processing
Get quick feedback about the status of your loan. Jumpstart your plans of moving in to your dream house by setting an appointment with our Home Loan Specialist.
Yes Yes Yes Yes
Personalised service
Take advantage of our team of dedicated Home Loan Specialists who will help you get the best deal and assist you in your home loan application.
Yes Yes Yes Yes
Appropriately-timed loan releases
Use the funds based on your needs throughout the entire period of construction. On the first release, you can enjoy the portion of your loanable amount attributed to the value of your lot. The remaining loan balance shall be distributed equally in 3 batches matching the stages of completion of your construction.
No Yes No No
Mortgage options and description
 
What you get Flexible repayment schemes
What you can do Opt for our Straight-Line Scheme, which allows you to forecast your expenses easily, or go for our Reducing Balance Scheme and save on interest payments.
Purchase loan Yes
Construction loan Yes
Refinance Yes
Home equity Yes
What you get Friendly interest review dates / repricing
What you can do Select from annual, 2 years, 3 years, or 5 year interest rate repricing options. Choose which arrangement best fits your assessment of the interest rate trends.
Purchase loan Yes
Construction loan Yes
Refinance Yes
Home equity Yes
What you get Wide range of loanable amounts
What you can do Loan amount should be PHP700,000 to PHP50,000,000 
Purchase loan Yes
Construction loan Yes
Refinance Yes
Home equity Yes
What you get Fast processing
What you can do Get quick feedback about the status of your loan. Jumpstart your plans of moving in to your dream house by setting an appointment with our Home Loan Specialist .
Purchase loan Yes
Construction loan Yes
Refinance Yes
Home equity Yes
What you get Personalised service
What you can do Take advantage of our team of dedicated Home Loan Specialists who will help you get the best deal and assist you in your home loan application.
Purchase loan Yes
Construction loan Yes
Refinance Yes
Home equity Yes
What you get Appropriately-timed loan releases
What you can do Use the funds based on your needs throughout the entire period of construction. On the first release, you can enjoy the portion of your loanable amount attributed to the value of your lot. The remaining loan balance shall be distributed equally in 3 batches matching the stages of completion of your construction.
Purchase loan No
Construction loan Yes
Refinance No
Home equity No

Home loan calculator

Your quick and instant tools to get facts and figures about your loans. 

Apply online

Apply by phone

Speak to our team of dedicated Home Loan Specialists who will help you come up with a custom loan package that best fits your needs. Call us on:

*For either calculation method, interest shall be computed based on the outstanding balance of the loan at the beginning of an interest period

For existing home loan accounts due for re-pricing, please contact your HSBC Relationship Manager or branch of account for the latest interest rates. Rates subject to change without prior notice.

Terms and Conditions apply.

For inquiries or complaints, please call HSBC's Customer Services at +63(2) 85-800 from Metro Manila, 
+1-800-1-888-8555 PLDT domestic toll-free, +63(2) 976-8000 from overseas, (country code) + 800-100-85-800 international toll-free for selected countries, or send an email to hsbc@hsbc.com.ph. If you want to find out more about HSBC's customer feedback procedures, please visit hsbc.com.ph/feedback.

The Hongkong and Shanghai Banking Corporation Limited is an entity regulated by the Bangko Sentral ng Pilipinas (Bangko Sentral). You may also contact the Bangko Sentral Financial Consumer Protection Department at 
(02) 708-7087 or consumeraffairs@bsp.gov.ph.

Note: Do not provide your account or credit card numbers or disclose any other confidential information or banking instructions through email.