International Mortgage

HSBC SG
Loans
Home loans
International mortgage

Australian Property Financing

Whether you're looking to diversify your portfolio by investing in an Australian property for your family’s future or to refinance an existing Australian property, you can finance your property abroad locally with an HSBC International Mortgage.

Features & benefits

Choice of loan currency

You can choose to finance in either Singapore Dollar (SGD) or Australian Dollar (AUD) .
Wide coverage of locations

Finance your properties in up to 5 states: Victoria, New South Wales, Queensland, Western Australia and South Australia.
Attractive interest rates and affordable costs

Take advantage of the attractive interest rates offered by us. Through our strategic partnerships, you can also enjoy more affordable valuation and conveyancing costs.
Global privileges with HSBC Premier

Qualify for HSBC Premier automatically with a minimum loan size of AUD/SGD 200,000 and enjoy the privileges that come with an HSBC Premier status in all countries/regions where you bank with HSBC – allowing you to gain access to our global support and services to facilitate your international banking needs in Australia.
International banking services

Your international mortgage is supported by a number of banking services designed specifically to support your international needs. Learn more.

How to apply

Speak to one of our mortgage specialists to learn how we can help you every step of the way.

Request a call back to leave us your details This link will open in a new window

Referral Reward

From 1 January 2024 to 31 December 2024, get up to SGD1,200 cash credit^* when you refer your friends or family to take up an HSBC International Mortgage.
Loan amount	Your reward
AUD/SGD200,000 - <AUD/SGD800,000	SGD400 cash credit^*
AUD/SGD800,000 - <AUD/SGD1,500,000	SGD800 cash credit^*
AUD/SGD1,500,000 and above	SGD1,200 cash credit^*

From 1 January 2024 to 31 December 2024, get up to SGD1,200 cash credit^* when you refer your friends or family to take up an HSBC International Mortgage.
Loan amount	AUD/SGD200,000 - <AUD/SGD800,000
Your reward	SGD400 cash credit^*

Loan amount	AUD/SGD800,000 - <AUD/SGD1,500,000
Your reward	SGD800 cash credit^*

Loan amount	AUD/SGD1,500,000 and above
Your reward	SGD1,200 cash credit^*

Refer Now about HSBC Home Loan Referral Form This link will open in a new window

^*Terms and Conditions apply.

Banking services designed to support your international needs

HSBC Premier

Enjoy Premier banking experience around the world when you take up an International Mortgage

Worldwide Premier status and enjoy exclusive privileges in different countries/regions and territories
Our HSBC International Banking Centre (IBC) in Singapore to handle your enquiries and assist you on our international services
Dedicated Relationship Manager to support you and your family

Find out more about HSBC Premier Bank Account

Everyday Global Account & Debit Card

The multi-currency account you can carry with you in one card wherever you go.

A single account that gives you access up to 11 different currencies
$0 fee¹ in 10 currencies for your retail purchase, online shopping and cash withdrawal
$0 overseas cash withdrawal fee² accross all ATMs worldwide
Take control of your spend by converting foreign currencies at your preferred rate

Open an account for HSBC Everyday Global Account Discover EGA debit card in HSBC Everyday Global Debit Card page

Foreign Exchange

Transfer money quickly around the globe at your fingertips

Make transfers at competitive real time rates between your HSBC accounts in 26 countries/regions and remit conveniently across over 200 territories globally
Set alerts or auto-conversions at your preferred rate

Download on the App Store This link will open in a new window Get it on Google Play This link will open in a new window

Guide to purchasing Australian property from abroad

Step 1: Find the right home away from home

By asking the right questions and getting the answers you need on your home-buying journey.

How much did the property sell for last time?
What are the area’s annual council rates?
If it’s a unit, what are the strata levies and pending levies?
Are there any approved alteration plans for the property?
How long will the settlement period be?
Do you provide the ‘Contract of Sale’?

Are you professionally qualified to do the work?
Are fees and disbursements (property searches, certificates etc.) included or extra costs?
Will you charge extra for preparing the Contract of Sale?
Do you handle all communication during the buying process?

Step 2: Determine your budget

Up to 70% of the value of the property can be borrowed and you will need a deposit of at least 10% of the purchase price.

Loan set up costs
Valuation fees
Conveyancing/legal fees
Stamp Duty (Stamp Duty varies from state to state and you are advised to consult your lawyer)

Step 3: Get the right financing solution

Simply speak to our friendly HSBC Mortgage Specialists who will advise you on the application process and recommend financing solution based on your needs.

Step 4: Property inspections and legal advice

Up to 70% of the value of the property can be borrowed and you will need a deposit of at least 10% of the purchase price.

Building inspection and pest inspections are important to ensure that there are no existing or potential problems with the physical condition of the building or any termite or woodworm infestations.

Appoint a lawyer to take care of the legal side of the purchase including research, title and contracts.
Need a recommendation? Speak to friends, family, real estate agents or our own HSBC Mortgage Specialists.

Step 5: Loan acceptance

Once you have submitted all required documents and passed credit assessment, an offer will be made to you. Our mortgage specialist will arrange an appointment with you to explain the terms and conditions before you accept the offer. Prior to settlement please ensure that you purchase your home (building) insurance for your new property effective from the date of settlement.

Step 6: Settlement

The date of settlement is the date you take legal ownership of the property. The balance of the purchase prices has to be paid that day. It's usually six weeks (30 days in Queensland).

Your lawyer will prepare and arrange for you to sign a Transfer of Land document. This should be done at least two weeks prior to the settlement date. It will be handed over at settlement to HSBC, and we’ll register it at the State/Territory Title's Office on your behalf. That’s when the property will be changed over to your name.
Your lawyer will contact us, the seller's lawyer and any other interested parties to arrange the date, place and time of settlement.
Your lawyer should advise you one week before the settlement, of the exact date and time of settlement, and the amount of funds you need to provide prior to it (if applicable).
After settlement, the seller's lawyer will contact the real estate agent who sold you the property and advise them to hand over the keys to the property to you.
Your lawyer should contact you and confirm that settlement has taken place. They’ll also send you a Statement of Adjustment, to show you how the funds have been disbursed to the parties involved.

Frequently Asked Questions

To be eligible, you must have a valid National Registration Identity Card (NRIC) / Passport.

You are not eligible to take up the product if you are residing in Australia.

Please complete HSBC’s Property Loan Application Form (For Australia Property) and enclose the following:

Copy of NRIC/Passport
Employment Pass (for foreigners)
Latest Notice of Assessment
Computerised Payslips (for salaried applicants)
Central Provident Fund (CPF) Contribution History (for Singaporean / Permanent Residents)
Proof of other income or assets (if applicable)
Australian Foreign Investor Review Board (FIRB) approval

Please note that the Bank may request for additional documents, where necessary, at any time during the loan application process.

Where applicable, you are required to obtain approval from FIRB to acquire interest in residential land in Australia.

We finance your choice of residential properties in major metropolitan locations including Sydney, Melbourne, Perth, Brisbane and Adelaide.

Read full FAQ find out more the faq of International Mortgage

Things you should know

¹Applies to successful retail purchase, online shopping and cash withdrawal made via the 10 supported currencies. If you do not have sufficient foreign currencies to complete the transactions, we will convert the transaction at a prevailing rate as determined by the bank and bill you in Singapore dollar.

²For more information, please visit HSBC Everyday Global Debit Card.

Australian Property Loans Standard Terms (PDF) Download

Australian Property Financing

Features & benefits

How to apply

Referral Reward

Banking services designed to support your international needs

HSBC Premier

Everyday Global Account & Debit Card

Foreign Exchange

Guide to purchasing Australian property from abroad

For your property agent:

For your conveyancer or solicitor:

Don't forget other costs associated with buying

Property inspections

Legal advice

What happens during settlement?

Frequently Asked Questions

Am I eligible for International Mortgage(for Australian Property)?

What documents do I need to provide when I apply for International Mortgage?

Are there any Australia regulations that I would need to adhere to?

Which cities in Australia can I get financing for?

Is there any minimum loan amount requirement?

Things you should know

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