Top of main content

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.

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*

Banking services designed to support your international needs

A gift.

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
A woman holding a camera.

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
Three hot air balloons.

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

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.
  • 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.
  • 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.
  • 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).

Frequently Asked Questions

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.

You might be interested in

Find out more about wealth management; image used for HSBC Singapore International Mortgage
about Wealth management

Wherever you are today, we could help you create a better tomorrow.

Find out more about foreign exchange; image used for HSBC Singapore International Mortgage
about Foreign exchange

Rejoice in knowing that your FX needs are taken care of.

Woman using mobile phone in yoga mat; image used for HSBC Singapore Personal Loans.
about Personal loans

With fixed monthly repayments, low interest rates and long tenor of up to 7 years, seize the opportunity to get more done with HSBC Personal Loans.

Listening to what you have to say about services matters to us. It's easy to share your ideas, stay informed and join the conversation.