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.


  • 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.

Select the right loan

Rainbow stairs, image used for HSBC Mortgage to buy a new property
with an HSBC home loan

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

 Couple using a laptop, image used for HSBC Mortgage to 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.

A woman is selling products in a shop, image used for HSBC Mortgage to 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.

Mother is doing Yoga with daughter, image used for HSBC Mortgage to refinance my home loan
to enjoy savings on your monthly repayments

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

More information


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.