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Mortgages

How HSBC Mortgages can help you

Everyone has different needs for the place they call home. Perhaps it's extra space for a growing family or upgrading to a better location. Whatever it may be, our mortgages can keep up with your needs. If you've had your current mortgage for a number of years, it may be time to consider refinancing. Benefit from lower interest rates, reduce your monthly repayment or simply free up cash.

Products and services

  • Ideal Home Plan
    The Ideal Home Plan is especially suited to first time home buyers of a property worth up to RM250,000 in Peninsular Malaysia or RM300,000 in East Malaysia.
  • HSBC HomeSmart
    As you move through life your priorities change. HomeSmart is a flexible home loan that lets you rearrange your priorities anytime.
  • HSBC HomeSmart-i
    Based on the principle of Diminishing Musharakah, HomeSmart-i gives you more control in your life and the flexibility to adapt to different priorities. Find out more.
  • Expert advice on buying your first home
    Eyeing your first home? Getting the right home loan/financing is your first step towards home ownership.
  • Guidance on buying your second home
    A second home? The most important factor to consider is how you plan to use it. You may be looking at an upgrade or even a holiday home.
  • Refinance to free up cash
    If you've had your mortgage for a number of years, such as 5 years or more, you may be eligible for refinancing your mortgage to benefit from lower interest/financing rates and monthly instalments repayment.

Contact us to find out more about mortgages

Apply in branch

Find your nearest branch to find out more about mortgages.

Apply by phone

Leave us your contact details and we will be in touch within 24 hours or the next working day.

Or call our Customer Service Officers at 1300-88-1388.

If you are overseas, please call +603 8321 5400.

Things you should know

Effective Lending Rate for standard housing loan* for loan amount of RM350,000; 30 years tenure; no lock-in period
Item Details

Reference Rate

Base Rate (BR) = 3.89%

(On and after 1 February 2018)

Interest Rate p.a.

BR + 1.11%

Effective Lending Rate p.a.

5.00%

Effective Lending Rate for standard housing loan* for loan amount of RM350,000; 30 years tenure; no lock-in period
Item

Reference Rate

Details

Base Rate (BR) = 3.89%

Item

(On and after 1 February 2018)

Details
Item

Interest Rate p.a.

Details

BR + 1.11%

Item

Effective Lending Rate p.a.

Details

5.00%

*A standard housing loan is a term loan with a fixed repayment schedule.