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Heritage Bank Living Equity

Advertiser disclosure

The details shown below are for an owner occupier taking out a no set repayments loan between $20,000 and $500,000 with an LVR below 85%

The details shown below are for an investor taking out a no set repayments loan between $20,000 and $500,000 with an LVR below 85%

Choose the version of this loan that suits you best

  • Owner Occupier (No set repayments)

    LVR < 85%

    Loan: $20,000 $500,000

  • Investor (No set repayments)

    LVR < 85%

    Loan: $20,000 $500,000

Rate
4.86% p.a.
Comparison Rate
n/a
Service fee
$10.00 monthly
Upfront fee
$750
Rate
4.86% p.a.
Comparison Rate
n/a
Service fee
$10.00 monthly
Upfront fee
$750

Details

Rates and fees information correct as at 28 October 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
  • 4.86% 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
  • $600.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $10.00 monthly

  • $300.00

Other financial bits
  • $20,000

  • $500,000

  • 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 28 October 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
  • 4.86% 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
  • $600.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $10.00 monthly

  • $300.00

Other financial bits
  • $20,000

  • $500,000

  • 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
8.4/10
Price
8.1/10
Features
7.6/10
Customer service
8.6/10
Convenience
8.0/10
Trust
8.5/10

Latest reviews of Heritage Bank Living Equity

  • Overall 8/10
    Flexible and good customer service.

    It's the staff that make all the difference in a bank. If they are friendly and courteous then they are great. If you have to go through some impersonal automotive service it is clinical and not acceptable. Banks have to be flexible and at heritage I believe they are very good at being able to meet individual client needs.

    Read full review

    It's the staff that make all the difference in a bank. If they are friendly and courteous then they are great. If you have to go through some impersonal automotive service it is clinical and not acceptable. Banks have to be flexible and at heritage I believe they are very good at being able to meet individual client needs.

    Price
    6/10
    Features
    8/10
    Customer service
    8/10
    Convenience
    9/10
    Trust
    7/10
    Less
    Rob, Queensland reviewed almost 6 years ago
  • Overall 10/10
    Customer service at this branch is unbeatable!

    After a very stressful time with a conveyancing solicitor and everything going wrong with the purchase of my house, it was such a pleasure to deal with professional people at Heritage Bank Carindale. Nothing was too much trouble for the staff involved and everything was dealt with professionally and with a minimum of fuss (unlike the conveyancing solicitor). There was always someone to take my call even if the main staff member was on holidays - things just happened!

    Read full review

    After a very stressful time with a conveyancing solicitor and everything going wrong with the purchase of my house, it was such a pleasure to deal with professional people at Heritage Bank Carindale. Nothing was too much trouble for the staff involved and everything was dealt with professionally and with a minimum of fuss (unlike the conveyancing solicitor). There was always someone to take my call even if the main staff member was on holidays - things just happened!

    Price
    9/10
    Features
    -1/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Mozo community reviewer, Queensland reviewed over 7 years ago
  • Overall 10/10
    Join the Heritage

    The Heritage is the best place I have every banked. No fees on most accounts, minimal fees on others. Quick service in branch, easy internet banking, great range of products. We even had Mortgage Choice look at our home loan and they recommended that we stay with the Heritage . Leave your bank and join the Heritage.

    Read full review

    The Heritage is the best place I have every banked. No fees on most accounts, minimal fees on others. Quick service in branch, easy internet banking, great range of products. We even had Mortgage Choice look at our home loan and they recommended that we stay with the Heritage . Leave your bank and join the Heritage.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Shane, Queensland reviewed almost 8 years ago
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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UHomeLoan - Discount Offer

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Bank of Queensland

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2.59% p.a. variable

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IMB Bank

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2.59% p.a. variable

3.00% p.a.

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2.48% p.a.

2.50% p.a.

HSBC

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2.59% p.a.

2.60% p.a.

Athena

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AcceleRATES Variable Home Loan

2.34% p.a.

2.34% p.a.

UBank

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UHomeLoan - Discount Offer

2.49% p.a.

2.49% p.a.

Suncorp

Suncorp

Back to Basics

2.68% p.a.

2.69% p.a.

Bank of Queensland

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Economy

2.59% p.a.

2.76% p.a.

IMB Bank

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Budget Home Loan

2.61% p.a.

2.67% p.a.

AMP Bank

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Variable Rate Loan (Professional Package)

2.59% p.a.

3.00% p.a.

loans.com.au

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Fixed Home Loan

n/a

n/a

HSBC

HSBC

Fixed Rate Home Loan

2.29% p.a.
fixed 3 years

2.95% p.a.

Homestar

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Star Classic Fixed Home Loan

2.06% p.a.
fixed 3 years

2.38% p.a.

UBank

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UHomeLoan (1 Year Fixed)

n/a

n/a

Suncorp

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Fixed Home Loan (Home Package Plus)

2.49% p.a.
fixed 3 years

3.28% p.a.

Bank of Queensland

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2.25% p.a.
fixed 3 years

3.41% p.a.

IMB Bank

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2.39% p.a.
fixed 3 years

3.08% p.a.

AMP Bank

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Fixed Rate Loan (Professional Package)

2.49% p.a.
fixed 3 years

3.07% p.a.

loans.com.au

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Smart Home Loan

2.48% p.a.

2.50% p.a.

$0.00

Athena

Athena

AcceleRATES Variable Home Loan

2.34% p.a.

2.34% p.a.

$0.00

UBank

UBank

UHomeLoan - Discount Offer

2.49% p.a.

2.49% p.a.

$0.00

Homestar

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Star Essentials Home Loan

2.29% p.a.

2.32% p.a.

$0.00

Suncorp

Suncorp

Back to Basics

2.68% p.a.

2.69% p.a.

$0.00

Bank of Queensland

Bank of Queensland

Economy

2.59% p.a.

2.76% p.a.

$10.00 monthly

IMB Bank

IMB Bank

Budget Home Loan

2.61% p.a.

2.67% p.a.

$0.00

AMP Bank

AMP Bank

Variable Rate Loan (Professional Package)

2.59% p.a.

3.00% p.a.

$349.00 yearly

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.