Personal Lending Rates

Mortgage rates

Variable mortgages	Maximum term	Repayment	Total rate
Up to 80% loan to value*	30 years	Principal and interest	6.50%

*Mortgage rate effective 1 May 2011. Mortgage rates may vary - for details please make an appointment with a Banking Specialist at 299-5959 or contact your Premier Relationship Manager.

Loan Rates

Apply for a loan online!

Home Equity	Maximum term	Repayment	Total rate
Loan	30 years	Principal and interest	5.75%
Line of credit	5 years	Interest only	5.50%

Personal loans	Maximum term	Repayment	Total rate
Personal - secured **	10 years	Principal and interest	From 7%
Personal - Unsecured financing	5 years	Principal and interest	From 7.75%
Debt consolidation	5 years	Principal and interest	From 9.5%

Overdrafts	Maximum term	Repayment	Total rate
Overdrafts	Minimum 3 months Maximum 3 years	Interest only	From 7%

Education loans	Maximum term	Repayment	Total rate
Secured **	5 years	Principal and interest	From 5.50%
Unsecured	5 years	Principal and interest	From 6.50%

**Acceptable security can be in the form of fixed deposits or savings account proceeds on deposit at HSBC Bermuda.

What you should know before you apply

HSBC Bermuda's current BMD base rate for personal banking customers is 3.50%.
Rates and fees are subject to change without notice.
Preferential mortgage and loan rates may apply. Come and see us.