The details shown below are for an owner occupier taking out a principal & interest loan of at least $20,000 with an LVR below 95%
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 | < 95% | $20,000 | |
|
|
Investor | Principal & Interest | < 90% | $20,000 | |
|
|
Investor | Interest Only | < 90% | $20,000 |
Owner Occupier (Principal & Interest)
LVR < 95%
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 |
|
|
4.49% (5.72%*) |
|
|
4.99% (5.70%*) |
|
|
5.19% (5.70%*) |
|
|
n/a |
|
|
5.69% (5.83%*) |
|
|
n/a |
|
|
n/a |
|
|
5.74% p.a. |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$210.00 |
|
|
n/a |
|
|
$8.00 monthly |
|
|
$345.00 |
|
$20,000 |
|
|
none |
|
|
none |
|
|
95.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
no |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
no |
|
|
none |
|
|
none |
|
|
Apply by 30 September 2022 and pay no application fee. $2,000 cashback for new loans over $500k for applications submitted by 30 September and settled by 31 December 2022. T&Cs apply. |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
4.69% (6.23%*) |
|
|
5.19% (6.18%*) |
|
|
5.39% (6.14%*) |
|
|
n/a |
|
|
5.89% (6.22%*) |
|
|
n/a |
|
|
n/a |
|
|
6.29% p.a. |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$210.00 |
|
|
n/a |
|
|
$8.00 monthly |
|
|
$345.00 |
|
$20,000 |
|
|
none |
|
|
none |
|
|
90.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
no |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
no |
|
|
none |
|
|
none |
|
|
Apply by 30 September 2022 and pay no application fee. $2,000 cashback for new loans over $500k for applications submitted by 30 September and settled by 31 December 2022. T&Cs apply. |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
n/a |
|
|
4.79% (6.24%*) |
|
|
5.29% (6.20%*) |
|
|
5.49% (6.17%*) |
|
|
n/a |
|
|
5.99% (6.27%*) |
|
|
n/a |
|
|
n/a |
|
|
6.29% p.a. |
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
|
$210.00 |
|
|
n/a |
|
|
$8.00 monthly |
|
|
$345.00 |
|
$20,000 |
|
|
none |
|
|
none |
|
|
90.00% |
|
Weekly, Fortnightly, Monthly |
|
|
yes - free |
|
|
no |
|
|
yes - free |
|
|
$0.00 |
|
|
yes |
|
|
no |
|
|
none |
|
|
none |
|
|
Apply by 30 September 2022 and pay no application fee. $2,000 cashback for new loans over $500k for applications submitted by 30 September and settled by 31 December 2022. T&Cs apply. |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
Very easy to deal with. Great customer service.
Read full reviewVery easy to deal with. Great customer service.
No branches in North Queensland but online banking is very easy to use.
Read full reviewNo branches in North Queensland but online banking is very easy to use.
With Heritage for 18 years - never missed a payment. Need help but none forthcoming. People first, is as misleading as you’ll get.
Read full reviewWith Heritage for 18 years - never missed a payment. Need help but none forthcoming. People first, is as misleading as you’ll get.
I like that I can pay extra on my fixed term home loan. I like the easy process of getting the loan. I find some of the processes can take some time.
Read full reviewI like that I can pay extra on my fixed term home loan. I like the easy process of getting the loan. I find some of the processes can take some time.
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.
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3.60% p.a.variable for 24 months and then 4.00% p.a. variable
3.96% p.a.
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Smart Booster Home Loan
3.60% p.a.variable for 24 months and then 4.00% p.a. variable
3.96% p.a.
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Smart Booster Home Loan
3.74% p.a.variable for 12 months and then 4.23% p.a. variable
4.22% p.a.
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Smart Booster Home Loan
3.60% p.a.variable for 24 months and then 4.00% p.a.
3.96% p.a.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
