Choose the version of this loan that suits you best
Availability | Loan type | LVR | Min loan amount | Max loan amount | |
---|---|---|---|---|---|
|
Owner Occupier | Principal & Interest | < 70% | $150,000 | $699,999 |
|
Owner Occupier | Principal & Interest | < 70% | $700,000 | |
|
Owner Occupier | Principal & Interest | 70%-80% | $150,000 | $699,999 |
|
Owner Occupier | Principal & Interest | 70%-80% | $700,000 | |
|
Owner Occupier | Principal & Interest | 80%-90% | $150,000 | $699,999 |
|
Owner Occupier | Principal & Interest | 80%-90% | $700,000 | |
|
Owner Occupier | Principal & Interest | 90%-95% | $150,000 | $699,999 |
|
Owner Occupier | Principal & Interest | 90%-95% | $700,000 | |
|
Investor | Principal & Interest | < 70% | $150,000 | $699,999 |
|
Investor | Principal & Interest | < 70% | $700,000 | |
|
Investor | Principal & Interest | 70%-80% | $150,000 | $699,999 |
|
Investor | Principal & Interest | 70%-80% | $700,000 | |
|
Investor | Principal & Interest | 80%-90% | $150,000 | $699,999 |
|
Investor | Principal & Interest | 80%-90% | $700,000 | |
|
Investor | Interest Only | < 70% | $150,000 | $699,999 |
|
Investor | Interest Only | < 70% | $700,000 | |
|
Investor | Interest Only | 70%-80% | $150,000 | $699,999 |
|
Investor | Interest Only | 70%-80% | $700,000 | |
|
Investor | Interest Only | 80%-90% | $150,000 | $699,999 |
|
Investor | Interest Only | 80%-90% | $700,000 |
n/a |
|
n/a |
|
n/a |
|
n/a |
|
6.24% (6.54%*) |
|
6.09% (6.51%*) |
|
5.79% (6.46%*) |
|
n/a |
|
5.79% (6.39%*) |
|
n/a |
|
n/a |
|
6.14% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$210.00 |
|
n/a |
|
$350.00 yearly |
|
$345.00 |
$150,000 |
|
$699,999 |
|
none |
|
70.00% |
Weekly, Fortnightly, Monthly |
|
yes - free |
|
no |
|
yes - free |
|
$0.00 |
|
yes |
|
no |
|
none |
|
none |
|
none |
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 |
|
6.24% (6.54%*) |
|
6.09% (6.51%*) |
|
5.79% (6.46%*) |
|
n/a |
|
5.79% (6.39%*) |
|
n/a |
|
n/a |
|
6.09% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$210.00 |
|
n/a |
|
$350.00 yearly |
|
$345.00 |
$700,000 |
|
none |
|
none |
|
70.00% |
Weekly, Fortnightly, Monthly |
|
yes - free |
|
no |
|
yes - free |
|
$0.00 |
|
yes |
|
no |
|
none |
|
none |
|
none |
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 |
|
6.24% (6.54%*) |
|
6.09% (6.51%*) |
|
5.79% (6.46%*) |
|
n/a |
|
5.79% (6.39%*) |
|
n/a |
|
n/a |
|
6.19% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$210.00 |
|
n/a |
|
$350.00 yearly |
|
$345.00 |
$150,000 |
|
$699,999 |
|
70.00% |
|
80.00% |
Weekly, Fortnightly, Monthly |
|
yes - free |
|
no |
|
yes - free |
|
$0.00 |
|
yes |
|
no |
|
none |
|
none |
|
none |
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 |
|
6.24% (6.54%*) |
|
6.09% (6.51%*) |
|
5.79% (6.46%*) |
|
n/a |
|
5.79% (6.39%*) |
|
n/a |
|
n/a |
|
6.14% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$210.00 |
|
n/a |
|
$350.00 yearly |
|
$345.00 |
$700,000 |
|
none |
|
70.00% |
|
80.00% |
Weekly, Fortnightly, Monthly |
|
yes - free |
|
no |
|
yes - free |
|
$0.00 |
|
yes |
|
no |
|
none |
|
none |
|
none |
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 |
|
6.24% (6.54%*) |
|
6.09% (6.51%*) |
|
5.79% (6.46%*) |
|
n/a |
|
5.79% (6.39%*) |
|
n/a |
|
n/a |
|
6.79% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$210.00 |
|
n/a |
|
$350.00 yearly |
|
$345.00 |
$150,000 |
|
$699,999 |
|
80.00% |
|
90.00% |
Weekly, Fortnightly, Monthly |
|
yes - free |
|
no |
|
yes - free |
|
$0.00 |
|
yes |
|
no |
|
none |
|
none |
|
none |
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 |
|
6.24% (6.54%*) |
|
6.09% (6.51%*) |
|
5.79% (6.46%*) |
|
n/a |
|
5.79% (6.39%*) |
|
n/a |
|
n/a |
|
6.74% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$210.00 |
|
n/a |
|
$350.00 yearly |
|
$345.00 |
$700,000 |
|
none |
|
80.00% |
|
90.00% |
Weekly, Fortnightly, Monthly |
|
yes - free |
|
no |
|
yes - free |
|
$0.00 |
|
yes |
|
no |
|
none |
|
none |
|
none |
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 |
|
6.24% (6.54%*) |
|
6.09% (6.51%*) |
|
5.79% (6.46%*) |
|
n/a |
|
5.79% (6.39%*) |
|
n/a |
|
n/a |
|
6.94% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$210.00 |
|
n/a |
|
$350.00 yearly |
|
$345.00 |
$150,000 |
|
$699,999 |
|
90.00% |
|
95.00% |
Weekly, Fortnightly, Monthly |
|
yes - free |
|
no |
|
yes - free |
|
$0.00 |
|
yes |
|
no |
|
none |
|
none |
|
none |
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 |
|
6.24% (6.54%*) |
|
6.09% (6.51%*) |
|
5.79% (6.46%*) |
|
n/a |
|
5.79% (6.39%*) |
|
n/a |
|
n/a |
|
6.89% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$210.00 |
|
n/a |
|
$350.00 yearly |
|
$345.00 |
$700,000 |
|
none |
|
90.00% |
|
95.00% |
Weekly, Fortnightly, Monthly |
|
yes - free |
|
no |
|
yes - free |
|
$0.00 |
|
yes |
|
no |
|
none |
|
none |
|
none |
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 |
|
6.44% (6.78%*) |
|
6.29% (6.75%*) |
|
5.99% (6.61%*) |
|
n/a |
|
5.99% (6.61%*) |
|
n/a |
|
n/a |
|
6.39% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$210.00 |
|
n/a |
|
$350.00 yearly |
|
$345.00 |
$150,000 |
|
$699,999 |
|
none |
|
70.00% |
Weekly, Fortnightly, Monthly |
|
yes - free |
|
no |
|
yes - free |
|
$0.00 |
|
yes |
|
no |
|
none |
|
none |
|
none |
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 |
|
6.44% (6.78%*) |
|
6.29% (6.75%*) |
|
5.99% (6.61%*) |
|
n/a |
|
5.99% (6.61%*) |
|
n/a |
|
n/a |
|
6.34% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$210.00 |
|
n/a |
|
$350.00 yearly |
|
$345.00 |
$700,000 |
|
none |
|
none |
|
70.00% |
Weekly, Fortnightly, Monthly |
|
yes - free |
|
no |
|
yes - free |
|
$0.00 |
|
yes |
|
no |
|
none |
|
none |
|
none |
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 |
|
6.44% (6.78%*) |
|
6.29% (6.75%*) |
|
5.99% (6.61%*) |
|
n/a |
|
5.99% (6.61%*) |
|
n/a |
|
n/a |
|
6.44% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$210.00 |
|
n/a |
|
$350.00 yearly |
|
$345.00 |
$150,000 |
|
$699,999 |
|
70.00% |
|
80.00% |
Weekly, Fortnightly, Monthly |
|
yes - free |
|
no |
|
yes - free |
|
$0.00 |
|
yes |
|
no |
|
none |
|
none |
|
none |
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 |
|
6.44% (6.78%*) |
|
6.29% (6.75%*) |
|
5.99% (6.61%*) |
|
n/a |
|
5.99% (6.61%*) |
|
n/a |
|
n/a |
|
6.39% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$210.00 |
|
n/a |
|
$350.00 yearly |
|
$345.00 |
$700,000 |
|
none |
|
70.00% |
|
80.00% |
Weekly, Fortnightly, Monthly |
|
yes - free |
|
no |
|
yes - free |
|
$0.00 |
|
yes |
|
no |
|
none |
|
none |
|
none |
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 |
|
6.44% (6.78%*) |
|
6.29% (6.75%*) |
|
5.99% (6.61%*) |
|
n/a |
|
5.99% (6.61%*) |
|
n/a |
|
n/a |
|
7.04% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$210.00 |
|
n/a |
|
$350.00 yearly |
|
$345.00 |
$150,000 |
|
$699,999 |
|
80.00% |
|
90.00% |
Weekly, Fortnightly, Monthly |
|
yes - free |
|
no |
|
yes - free |
|
$0.00 |
|
yes |
|
no |
|
none |
|
none |
|
none |
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 |
|
6.44% (6.78%*) |
|
6.29% (6.75%*) |
|
5.99% (6.61%*) |
|
n/a |
|
5.99% (6.61%*) |
|
n/a |
|
n/a |
|
6.99% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$210.00 |
|
n/a |
|
$350.00 yearly |
|
$345.00 |
$700,000 |
|
none |
|
80.00% |
|
90.00% |
Weekly, Fortnightly, Monthly |
|
yes - free |
|
no |
|
yes - free |
|
$0.00 |
|
yes |
|
no |
|
none |
|
none |
|
none |
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 |
|
6.64% (7.04%*) |
|
6.49% (7.01%*) |
|
6.19% (6.94%*) |
|
n/a |
|
6.19% (6.85%*) |
|
n/a |
|
n/a |
|
6.69% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$210.00 |
|
n/a |
|
$350.00 yearly |
|
$345.00 |
$150,000 |
|
$699,999 |
|
none |
|
70.00% |
Weekly, Fortnightly, Monthly |
|
yes - free |
|
no |
|
yes - free |
|
$0.00 |
|
yes |
|
no |
|
none |
|
none |
|
none |
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 |
|
6.64% (7.04%*) |
|
6.49% (7.01%*) |
|
6.19% (6.94%*) |
|
n/a |
|
6.19% (6.85%*) |
|
n/a |
|
n/a |
|
6.64% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$210.00 |
|
n/a |
|
$350.00 yearly |
|
$345.00 |
$700,000 |
|
none |
|
none |
|
70.00% |
Weekly, Fortnightly, Monthly |
|
yes - free |
|
no |
|
yes - free |
|
$0.00 |
|
yes |
|
no |
|
none |
|
none |
|
none |
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 |
|
6.64% (7.04%*) |
|
6.49% (7.01%*) |
|
6.19% (6.94%*) |
|
n/a |
|
6.19% (6.85%*) |
|
n/a |
|
n/a |
|
6.74% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$210.00 |
|
n/a |
|
$350.00 yearly |
|
$345.00 |
$150,000 |
|
$699,999 |
|
70.00% |
|
80.00% |
Weekly, Fortnightly, Monthly |
|
yes - free |
|
no |
|
yes - free |
|
$0.00 |
|
yes |
|
no |
|
none |
|
none |
|
none |
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 |
|
6.64% (7.04%*) |
|
6.49% (7.01%*) |
|
6.19% (6.94%*) |
|
n/a |
|
6.19% (6.85%*) |
|
n/a |
|
n/a |
|
6.69% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$210.00 |
|
n/a |
|
$350.00 yearly |
|
$345.00 |
$700,000 |
|
none |
|
70.00% |
|
80.00% |
Weekly, Fortnightly, Monthly |
|
yes - free |
|
no |
|
yes - free |
|
$0.00 |
|
yes |
|
no |
|
none |
|
none |
|
none |
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 |
|
6.64% (7.04%*) |
|
6.49% (7.01%*) |
|
6.19% (6.94%*) |
|
n/a |
|
6.19% (6.85%*) |
|
n/a |
|
n/a |
|
7.34% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$210.00 |
|
n/a |
|
$350.00 yearly |
|
$345.00 |
$150,000 |
|
$699,999 |
|
80.00% |
|
90.00% |
Weekly, Fortnightly, Monthly |
|
yes - free |
|
no |
|
yes - free |
|
$0.00 |
|
yes |
|
no |
|
none |
|
none |
|
none |
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 |
|
6.64% (7.04%*) |
|
6.49% (7.01%*) |
|
6.19% (6.94%*) |
|
n/a |
|
6.19% (6.85%*) |
|
n/a |
|
n/a |
|
7.29% p.a. |
$0.00 |
|
$0.00 |
|
$0.00 |
|
$210.00 |
|
n/a |
|
$350.00 yearly |
|
$345.00 |
$700,000 |
|
none |
|
80.00% |
|
90.00% |
Weekly, Fortnightly, Monthly |
|
yes - free |
|
no |
|
yes - free |
|
$0.00 |
|
yes |
|
no |
|
none |
|
none |
|
none |
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.
Recently moved all accounts from NAB to Heritage. The difference in Heritage's day to day business was a completely different experience. I have banked with two of the big four in my lifetime and nothing will make me go back. Heritage is the bomb!
Read full reviewRecently moved all accounts from NAB to Heritage. The difference in Heritage's day to day business was a completely different experience. I have banked with two of the big four in my lifetime and nothing will make me go back. Heritage is the bomb!
They are friendly and helpful with everything! I have never had problems from the time I applied to the bank. They made it very easy.
Read full reviewThey are friendly and helpful with everything! I have never had problems from the time I applied to the bank. They made it very easy.
Service is awesome.
Read full reviewService is awesome.
I've been with heritage from the age of 12 ! Now 50, never had a problem!!
Read full reviewI've been with heritage from the age of 12 ! Now 50, never had a problem!!
Home Value Loan
6.09% p.a. variable
6.09% p.a.
Fixed Rate
6.59% p.a.
fixed 3 years
7.06% p.a.
Mortgage Simplifier
6.14% p.a. variable
6.17% p.a.
Flex Home Loan
6.24% p.a. variable
6.48% p.a.
Elevate
6.09% p.a. variable
6.20% p.a.
SMSF Home Loan (Variable)
6.99% p.a. variable
7.00% p.a.
Fixed Rate Loan (with Orange Advantage)
5.99% p.a.
fixed 3 years
6.12% p.a.
Elevate
6.09% p.a.
6.20% p.a.
Mortgage Simplifier
6.14% p.a.
6.17% p.a.
Flex Home Loan Fixed
5.99% p.a.
fixed 3 years
6.41% p.a.
Fixed Rate Loan (with Orange Advantage)
5.99% p.a.
fixed 3 years
6.12% p.a.
Fixed Rate
6.59% p.a.
fixed 3 years
7.06% p.a.
Flex Home Loan Fixed
5.99% p.a.
fixed 3 years
6.41% 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.