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Heritage Bank Living Equity (Home Advantage)

The details shown below are for an owner occupier taking out a no set repayments loan between $150,000 and $249,999 with an LVR below 85%

The details shown below are for an owner occupier taking out a no set repayments loan between $250,000 and $699,999 with an LVR below 85%

The details shown below are for an owner occupier taking out a no set repayments loan of at least $700,000 with an LVR below 85%

The details shown below are for an investor taking out a no set repayments loan between $150,000 and $249,999 with an LVR below 85%

The details shown below are for an investor taking out a no set repayments loan between $250,000 and $699,999 with an LVR below 85%

The details shown below are for an investor taking out a no set repayments loan of at least $700,000 with an LVR below 85%

Choose the version of this loan that suits you best

  • Owner Occupier (No set repayments)

    LVR < 85%

    Loan: $150,000 $249,999

  • Owner Occupier (No set repayments)

    LVR < 85%

    Loan: $250,000 $699,999

  • Owner Occupier (No set repayments)

    LVR < 85%

    Loan: $700,000

  • Investor (No set repayments)

    LVR < 85%

    Loan: $150,000 $249,999

  • Investor (No set repayments)

    LVR < 85%

    Loan: $250,000 $699,999

  • Investor (No set repayments)

    LVR < 85%

    Loan: $700,000

Rate
4.40% p.a.
Comparison Rate*
n/a
Service fee
$350.00 yearly
Upfront fee
$150
Rate
4.35% p.a.
Comparison Rate*
n/a
Service fee
$350.00 yearly
Upfront fee
$150
Rate
4.30% p.a.
Comparison Rate*
n/a
Service fee
$350.00 yearly
Upfront fee
$150
Rate
4.40% p.a.
Comparison Rate*
n/a
Service fee
$350.00 yearly
Upfront fee
$150
Rate
4.35% p.a.
Comparison Rate*
n/a
Service fee
$350.00 yearly
Upfront fee
$150
Rate
4.30% p.a.
Comparison Rate*
n/a
Service fee
$350.00 yearly
Upfront fee
$150

Details

Rates and fees information correct as at 11 July 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 4.40% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $350.00 yearly

  • $300.00

Other financial bits
  • $150,000

  • $249,999

  • none

  • 85.00%

Features
  • Owner Occupier

  • No set repayments

  • No set repayments

  • n/a

  • no

  • n/a

  • $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.

Details

Rates and fees information correct as at 11 July 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 4.35% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $350.00 yearly

  • $300.00

Other financial bits
  • $250,000

  • $699,999

  • none

  • 85.00%

Features
  • Owner Occupier

  • No set repayments

  • No set repayments

  • n/a

  • no

  • n/a

  • $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.

Details

Rates and fees information correct as at 11 July 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 4.30% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $350.00 yearly

  • $300.00

Other financial bits
  • $700,000

  • none

  • none

  • 85.00%

Features
  • Owner Occupier

  • No set repayments

  • No set repayments

  • n/a

  • no

  • n/a

  • $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.

Details

Rates and fees information correct as at 11 July 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 4.40% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $350.00 yearly

  • $300.00

Other financial bits
  • $150,000

  • $249,999

  • none

  • 85.00%

Features
  • Investor

  • No set repayments

  • No set repayments

  • n/a

  • no

  • n/a

  • $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.

Details

Rates and fees information correct as at 11 July 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 4.35% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $350.00 yearly

  • $300.00

Other financial bits
  • $250,000

  • $699,999

  • none

  • 85.00%

Features
  • Investor

  • No set repayments

  • No set repayments

  • n/a

  • no

  • n/a

  • $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.

Details

Rates and fees information correct as at 11 July 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 4.30% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $350.00 yearly

  • $300.00

Other financial bits
  • $700,000

  • none

  • none

  • 85.00%

Features
  • Investor

  • No set repayments

  • No set repayments

  • n/a

  • no

  • n/a

  • $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.

Customer Reviews

How are Heritage Bank home loans rated by the Mozo community?

Overall customer rating
8.4/10
Price
8.1/10
Features
7.6/10
Customer service
8.6/10
Convenience
8.0/10
Trust
8.5/10
Heritage Bank

About Heritage Bank

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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