Home Equity line of credit and loans | HSBC

Home Equity Line of ChoiceSM

To learn more call 866.960.1367 or

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Make the most of your home's equity

Home equity is the difference between the current market (appraised) value of your home and the outstanding balance of your mortgage. Our Home Equity Line of ChoiceSM can you help turn your home's equity into a source of cash for home improvements1, debt consolidation or other major expenses.

Benefits of a Home Equity Line of ChoiceSM

  • Flexible and convenient access
    Access your funds whenever you need by simply writing a check.
  • Discount rates2 available for HSBC Premier3 and Advance4 clients
    If you're an HSBC Premier or Advance client, you receive discounted rates when you elect auto-pay from your HSBC checking account.
  • Use for a variety of reasons
    Fund renovations1, education expenses, a car, a wedding or other major expenses.
  • Lower your monthly payments by consolidating high interest debt
    Our home equity interest rates can be lower than rates on credit cards and personal loans.

To learn more, call 866.960.1367, request a callback or visit your local HSBC branch.

For more information regarding home equity products and features with Interest Only Options, read our Key Facts document.

1 Home Equity Line of ChoiceSM for the purpose of home improvement is not eligible in New Jersey.

2 Discounts and loan amount depend on specific program and may require certain Premier or Advance balances, reserves, equity and automatic payment from an HSBC Premier or Advance checking account. For home equity accounts, the Premier APR includes an auto-pay discount of 1.00% and the Advance APR includes an auto-pay discount of 0.50%.

3 To qualify for an HSBC Premier relationship, you need to open an HSBC Premier checking account and maintain $100,000 in combined U.S. personal deposit and investment balances. Business owners may use their commercial balances to qualify for a personal HSBC Premier relationship. A monthly maintenance fee of $50 will be incurred if minimum balance requirements are not maintained.

4 To qualify for an HSBC Advance relationship, you need to open an HSBC Advance checking account and maintain combined U.S. personal deposit and investment balances of at least $10,000 OR at least $5,000 with a recurring direct deposit from a third party to an HSBC Advance checking account at least once per monthly cycle. Business owners may use their HSBC commercial balances to qualify for a personal HSBC Advance relationship. A monthly maintenance fee of $25 will be incurred if minimum balance or minimum balance with direct deposit requirement is not met.

Mortgage and home equity products are offered in the U.S. by HSBC Bank USA, N.A. and are only available for properties located in the U.S. Subject to credit approval. Borrowers must meet program qualifications. Programs are subject to change. Geographic and other restrictions may apply. Discounts can be cancelled or are subject to change at any time and cannot be combined with any other offer or discount.

Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.

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HSBC Home Equity Rates

Check out the Home Equity rates HSBC is offering

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†† Investments, Annuity and Insurance Products:
ARE NOT A BANK DEPOSIT OR OBLIGATION OF THE BANK OR ANY OF ITS AFFILIATES ARE NOT FDIC INSURED ARE NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY ARE NOT GUARANTEED BY THE BANK OR ANY OF ITS AFFILIATES MAY LOSE VALUE

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