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
2.39% (4.44%*)
2.19% (4.23%*)
2.19% (4.04%*)
n/a
2.59% (3.87%*)
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
Receive up to $300 in bonus payments of $50 per month for the first 6 months when you meet bonus criteria. Available for applications made by 30 April 2021, settled by 31 July 2021.
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
2.79% (4.97%*)
2.59% (4.74%*)
2.59% (4.54%*)
n/a
2.89% (4.31%*)
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
Receive up to $300 in bonus payments of $50 per month for the first 6 months when you meet bonus criteria. Available for applications made by 30 April 2021, settled by 31 July 2021.
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
2.99% (4.99%*)
2.69% (4.77%*)
2.69% (4.59%*)
n/a
3.09% (4.41%*)
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
Receive up to $300 in bonus payments of $50 per month for the first 6 months when you meet bonus criteria. Available for applications made by 30 April 2021, settled by 31 July 2021.
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.
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.
loans.com.au
Smart Booster Home Loan
1.99% p.a.variable for 12 months and then 2.48% p.a. variable
2.47% p.a.
Homestar
Star Gold Home Loan
1.79% p.a. variable
1.84% p.a.
Bank of Queensland
Fixed Rate
1.94% p.a.
fixed 3 years
2.97% p.a.
loans.com.au
Smart Booster Home Loan
1.99% p.a.variable for 12 months and then 2.48% p.a. variable
2.47% p.a.
Newcastle Permanent
Fixed Rate Home Loan (Premium Plus Package)
1.98% p.a.
fixed 3 years
3.56% p.a.
loans.com.au
Smart Booster Home Loan
1.99% p.a.variable for 12 months and then 2.48% p.a.
2.47% p.a.
Homestar
Star Gold Home Loan
1.79% p.a.
1.84% p.a.
Yard
Variable Home Loan Special
2.09% p.a.
2.12% p.a.
Newcastle Permanent
Fixed Rate Home Loan (Premium Plus Package)
1.98% p.a.
fixed 3 years
3.56% p.a.
Homestar
Star Classic Fixed Home Loan
n/a
n/a
People's Choice Credit Union
Fixed Rate Home Loan (Package)
1.89% p.a.
fixed 3 years
3.03% 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.
