Foreign bank

HSBC Bank Australia

Australian arm of global HSBC. Premier banking for high-income borrowers; offshore-income-aware home loan policy.

SydneyFounded 1965Australian Credit Licence 232595

HSBC at a glance

HSBC Bank Australia is the Australian subsidiary of an overseas banking group. It offers home loans.

On APRA’s August 2026 figures, HSBC Bank Australia Limited held $34.4 billion of home loans on its Australian books: 1.4% of the housing lending by the deposit-taking institutions APRA reports, the 10th largest of the 64 with home loans.

Lender type: Foreign bank
Bank or non-bank: Authorised deposit-taking institution (HSBC Bank Australia Limited)
Credit licence: ACL 232595, HSBC Bank Australia Limited
Lends: Home loans
Headquarters: Sydney

Strengths

Premier package for high-income borrowers
Offshore-income policy more accommodating than mainstream
Global banking reach

Watch out for

Premier eligibility income test
Limited branches outside major cities

HSBC loans and products

What HSBC offers in each category, with the features, eligibility and trade-offs we note. For the current rate on each product, follow the link to HSBC’s own rate card.

HSBC home loans

Compare home loans lenders

Variable

Premier Home Loan Variable

100% offset
Premier banking benefits
Multi-currency account access

Current rate: published on HSBC's own rate card

Alternatives to HSBC

Other lenders in our directory that offer home loans, starting with other foreign bank lenders.

See every lender of this kind in the directory

HSBC: frequently asked questions

Is HSBC a bank?

Yes. HSBC’s loans are provided by HSBC Bank Australia Limited, which is on APRA’s register of authorised deposit-taking institutions (ADIs), the list of banks, building societies and credit unions licensed under the Banking Act 1959.

What is HSBC’s credit licence number?

HSBC Bank Australia Limited holds Australian Credit Licence 232595. You can check a licence on ASIC’s Professional Registers before you apply.

General Advice Warning

The information on this website is educational and general in nature only. It does not take into account your personal objectives, financial situation, or needs. You should consider whether the information is appropriate for you and seek advice from a qualified professional before acting.

Last reviewed 13 October 2026

Licensing

Your Finance Guide is the publishing brand and is not licensed to provide credit assistance. Credit assistance is provided by the licensed broker you are introduced to, who holds an Australian Credit Licence or is a credit representative of a licensee.

Last reviewed 13 October 2026

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Last reviewed 13 October 2026

Your Finance Guide publishes the disclosures above as a single editorial source of truth. Updates are versioned centrally, the dates beside each item reflect the most recent review.