Home Loans

HBF Home Loan products and rates

Owner Occupier Home Loan - Variable Rate

The HBF Variable Rate Home Loan provides maximum flexibility, with competitive interest rates and no annual or monthly service fees.

Owner Occupier Home Loan - Fixed Rate

The HBF Fixed Rate Home Loan offers the peace of mind of knowing your interest rate will be fixed for an agreed period of time - protecting you from fluctuations in interest rates. There are no annual or monthly service fees.

Investment Home Loan - Variable Rate

The HBF Variable Rate Investment Home Loan allows you to invest in property offering maximum flexibility, with competitive interest rates and no monthly service fees.

Investment Home Loan - Fixed Rate

The HBF Fixed Rate Investment Home Loan lets you invest in property, with the peace of mind of knowing your interest rate will be fixed for an agreed period of time - protecting you from fluctuations in interest rates. There are no annual or monthly service fees.

Line of Credit facility

The totally flexible HBF Line of Credit is linked to the equity in your residential property. You can use the Line of Credit facility to buy an investment property, build a share portfolio or to make home renovations or extensions.

The HBF Line of Credit is an ongoing overdraft which allows you to draw on your available credit whenever you want - you don't have to reapply. You have the flexibility to repay any amount you choose, as long as your outstanding balance stays within your maximum loan amount, (which means you must at least meet the monthly interest charge).

The HBF Line of Credit has a minimum loan amount of $25,000 and no monthly or annual service fees.

Today's Rates

In this section, you can see what the current interest rates are for HBF Home Loan products, in the Comparison Rate Schedule.

Compare home loans

In this section, you can compare features and benefits of HBF Home Loan products. This can help you decide which loan might be best for you.

Important Information

If you choose to apply for an HBF Home Loan you will need to read and understand the following documents. A copy of these documents will be provided to you during the application process.

The Code of Banking Practice is a voluntary code of conduct which sets standards of good banking practice for financial institutions to follow when dealing with persons who are, or who may become, our individual and small business customers and their guarantors.

Code of Banking Practice

Find out more about the flexible features offered by HBF Home Loans, or use one of five home loan calculators.

HBF Financial Services Pty Ltd ABN 18 009 123 675, Broker licence FB3517 ("HBF"). Bank of Queensland Limited ABN 32 009 656 740. ("the Credit Provider") provides credit for HBF Home Loans. The Credit Provider's standard credit assessment criteria apply. Fees and charges are payable. HBF distributes HBF Home Loans under an agreement with the Credit Provider. Accordingly, reference to "we", "us" and "our", depending on the context, may be a reference to the Credit Provider. This website contains general advice, prepared without taking account of your objectives, financial situation or needs. You should consider the appropriateness of any advice before acting on it. You should read the Personal Lending Terms and Conditions, and Personal Banking Guide to Fees and Charges for the product before making any decision about whether to acquire or continue to hold it. Full terms and conditions are available from any HBF Personal Consultant.