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First-time home buyer

Take your first step towards home ownership with the right home loan.

Make your dream home yours

Buying your first home is an exciting milestone, but it can be daunting too. As a first-time home buyer, you're not alone, as we are here to help you find a mortgage suited for your home ownership journey. 

Enjoy zero[@mortgages-zero-cost-campaign] moving cost with HSBC HomeSmart/-i

Enjoy financial peace of mind with your upfront cost covered by HSBC when you finance or refinance your home with us.

This offer is valid until 31 December 2024.

Why choose HSBC to take up your first mortgage?

Flexible and affordable home loans

Whether you're looking for the stability of regular monthly payments, or the freedom to move funds for your personal needs, HSBC has the right home loan for you.

Check your eligibility instantly

Fill out our online form and you'll be able to check your affordability of a home loan in just minutes.

Apply from the comfort of your home

You can apply via email from home or walk in to any of our branches in Malaysia – our mortgage specialists will be happy to guide you through the process.

Things to know before taking up your first mortgage

Remember the 3 'T's once you know the amount of financing you need.

  • Types of home loans available so you can find the one that suits your needs
  • Tenure of the home loan, which is the duration in which you choose to pay off your mortgage, depending on your margin of financing
  • Total costs involved, including monthly instalments, charges and fees, to assess your affordability

Own your first home with the right mortgage

Our flexible home loan product can help you pay off your mortgage more quickly and reduce interest payments. How?

  • Reduce interest payments by depositing your salary into your home loan account. You can also opt to withdraw the excess payment at any time with zero cost.
  • Save some of your excess funds every month as even an extra RM50 in your home loan account can help you save on interest charged.
  • A longer tenure means lower monthly instalments. You can enjoy financial flexibility and shorten the tenure by keeping the excess funds in your home loan account.

Explore our mortgage products

Enjoy more control and flexibility to prioritise what is most important to you.
Enjoy more control and flexibility to prioritise what is most important to you based on the principle of Diminishing Musharakah.

How to apply

If you reside in Malaysia

Move one step closer to owning your dream home by getting an estimate on your eligible loan amount.

Residing outside Malaysia or need to contact us?

Email us with your details and we'll contact you for a follow-up.

You might also be interested in

Reach your home or business goals with HSBC Amanah Personal Financing-i at flat rates from as low as 7.5% per year.
Safeguard your home with a customisable insurance plan that lets you choose the level of protection that suits you.
Refer your friends and family to join HSBC Premier to earn up to RM18,000 cashback.


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