The details shown below are for an owner occupier taking out a principal & interest loan of at least $20,000 with an LVR below 90%
The details shown below are for an investor taking out a principal & interest loan of at least $20,000 with an LVR below 90%
The details shown below are for an investor taking out a interest only loan of at least $20,000 with an LVR below 90%
Choose the version of this loan that suits you best
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
| | Owner Occupier | Principal & Interest | < 90% | $20,000 | |
| | Investor | Principal & Interest | < 90% | $20,000 | |
| | Investor | Interest Only | < 90% | $20,000 |
Owner Occupier (Principal & Interest)
LVR < 90%
Loan: $20,000
Investor (Principal & Interest)
LVR < 90%
Loan: $20,000
Investor (Interest Only)
LVR < 90%
Loan: $20,000
n/a
n/a
n/a
n/a
2.59% (4.46%*)
2.59% (4.30%*)
2.59% (4.14%*)
n/a
2.79% (3.95%*)
n/a
n/a
4.49% p.a.
$600.00
$0.00
$0.00
$150.00
n/a
$8.00 monthly
$300.00
$20,000
none
none
90.00%
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
no
none
none
none
n/a
n/a
n/a
n/a
2.89% (4.98%*)
2.88% (4.79%*)
2.88% (4.61%*)
n/a
3.09% (4.39%*)
n/a
n/a
5.04% p.a.
$600.00
$0.00
$0.00
$150.00
n/a
$8.00 monthly
$300.00
$20,000
none
none
90.00%
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
no
none
none
none
n/a
n/a
n/a
n/a
2.99% (4.99%*)
2.98% (4.81%*)
2.98% (4.64%*)
n/a
3.19% (4.43%*)
n/a
n/a
5.04% p.a.
$600.00
$0.00
$0.00
$150.00
n/a
$8.00 monthly
$300.00
$20,000
none
none
90.00%
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
no
none
none
none
Heritage is an excellent bank. However I feel that they could do more to sell their home loans or others loans. They should make the statement “comparison rate” more understandable. What does that even mean.
Read full reviewHeritage is an excellent bank. However I feel that they could do more to sell their home loans or others loans. They should make the statement “comparison rate” more understandable. What does that even mean.
Excellent customer service with outstanding and very competitive interest rates. More personal then the big 4, extremely happy with their products.
Read full reviewExcellent customer service with outstanding and very competitive interest rates. More personal then the big 4, extremely happy with their products.
We severed our association with one of the big 4 (which bank you ask?) for a number of reasons including inflexibility and terrible customer service. We find Heritage wonderful to deal with - courteous, efficient and helpful. We feel like people not just numbers. Five years on we have never regretted our decision.
Read full reviewWe severed our association with one of the big 4 (which bank you ask?) for a number of reasons including inflexibility and terrible customer service. We find Heritage wonderful to deal with - courteous, efficient and helpful. We feel like people not just numbers. Five years on we have never regretted our decision.
Heritage has great customer service and have helped us to buy our first home.
Read full reviewHeritage has great customer service and have helped us to buy our first home.
Heritage is a local bank with great customer service and competitive rates.
Read full reviewHeritage is a local bank with great customer service and competitive rates.
Heritage is Australia's largest member-owned bank. With a history going back to 1875, Heritage helps Australians realise their financial dreams. Heritage focuses on putting people first, not pursuing massive profits. They offer customers a full range of competitive personal banking products from home loans, saving accounts, term deposits, credit cards and much more.
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