SmartMortgage | Mortgage

HSBC SG
Mortgage
SmartMortgage

HSBC SmartMortgage

Links your home loan account with a current account, reducing interest on your home loan by offsetting interest earned on your current account¹.

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Benefits

Reduce the interest payable on your mortgage

With SmartMortgage, the interest² earned on your current account¹ will offset the interest payable on your home loan. Paying less interest means that you can save more and pay off your home loan in less time.
Manage your finances the way you want

With SmartMortgage, your current account¹ is linked to your home loan, giving you flexibility to maximise control in the management of your finances and savings.

SmartMortgage links your current account to your home loan by allowing the interest that you earn from the money you have in your SmartMortgage current account to offset your home loan. The interest earned from your current account is calculated by multiplying the total amount of money you have in your current account by the interest rate. The interest you will have to pay on your home loan is calculated by multiplying your loan balance by the interest rate applicable on the loan.

Select the right loan

Buy a new property

with an HSBC home loan

HSBC Home Loans are the ideal way to start financing your dream home.

Get a home equity loan

to tap into the value of your home

Tap into the value of your home to capture investment or business opportunities.

Buy a property for commercial use

with an HSBC investment property loan

With the HSBC Investment Property loan, you can enjoy competitive rates and benefits.

Refinance my home loan

to enjoy savings on your monthly repayments

Enjoy savings on your monthly repayments by refiancing your existing loan.

More information

Disclaimer

¹SmartMortgage current account terms and conditions.

The Bank reserves the right to adjust the SmartMortgage current account interest rate.

²SIBOR-pegged SmartMortgage terms and conditions.

SIBOR refers to the 1-month or 3-month Singapore Interbank Offered Rate for Singapore Dollar fixed at 11 a.m. Singapore time by the Association of Banks in Singapore (ABS) on the first business day of the calendar month.

The applicable interest rates, discounts and terms are subject to changes and HSBC's right of review.

Other terms and conditions apply.

Deposit Insurance Scheme

Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$75,000 in aggregate per depositor per Scheme member by law.