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, interest only loan of at least $20,000 with an LVR below 80%
Choose the version of 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, Interest Only | < 80% | $20,000 |
Owner Occupier (Principal & Interest)
LVR < 95%
Loan: $20,000
Investor (Principal & Interest, Interest Only)
LVR < 80%
Loan: $20,000
5.19% p.a.
5.34% p.a.
$8.00 monthly
Heritage Bank Standard Variable
5.19% p.a.
5.34% p.a.
$8.00 monthly
Heritage Bank Standard Variable
5.19% p.a.
5.34% p.a.
$8.00 monthly
5.74% p.a.
5.88% p.a.
$8.00 monthly
Heritage Bank Standard Variable
5.74% p.a.
5.88% p.a.
$8.00 monthly
Heritage Bank Standard Variable
5.74% p.a.
5.88% p.a.
$8.00 monthly
5.19% p.a.
n/a
0 Months
none
5.34% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$600.00
$0.00
$0.00
$150.00
none
$8.00 monthly
$250.00
$20,000
none
none
95.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - fees apply
$0.00
yes
yes
$20 redraw fee
none
5.74% p.a.
n/a
0 Months
none
5.88% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$600.00
$0.00
$0.00
$150.00
none
$8.00 monthly
$250.00
$20,000
none
none
80.00%
Investor
Principal & Interest, Interest Only
Weekly, Fortnightly, Monthly
yes - free
no
yes - fees apply
$0.00
yes
yes
$20 redraw fee
none
Easy to deal with and in my experiences to date great customer service.
Read full review
Easy to deal with and in my experiences to date great customer service.
Less
Dr | Queensland
reviewed over 2 years ago
Good local branch service. Friendly staff. Low interest rate.
Read full review
Good local branch service. Friendly staff. Low interest rate.
Less
Maurice | Queensland
reviewed over 2 years ago
We switched from Commonwealth to Heritage. 10/10. Great customer service. We live interstate but...
Read full review
We switched from Commonwealth to Heritage. 10/10. Great customer service. We live interstate but they have agreements with so many other banks it's never a problem to find a charge- free ATM. Couldn't rave about them more.
Less
Simone | South Australia
reviewed over 3 years ago
Great customer service.
Read full review
Great customer service.
Less
Melanie | New South Wales
reviewed over 3 years ago
The entire process from day 1 was exceptional. The staff were extremely knowledgeable and every...
Read full review
The entire process from day 1 was exceptional. The staff were extremely knowledgeable and every transaction with the branch was treated with the highest respect and courtesy.
Less
Susan | Tasmania
reviewed almost 4 years ago
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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3.66% p.a.
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3.68% p.a. variable
3.69% p.a.
$0
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3.49% p.a. variable
3.53% p.a.
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3.82% p.a.
$150
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3.72% p.a. variable
4.12% p.a.
$0
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3.68% p.a.
3.69% p.a.
$0
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3.82% p.a.
4.22% p.a.
$0
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3.99% p.a.
fixed 3 years
4.31% p.a.
$520
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3.99% p.a.
fixed 3 years
4.82% p.a.
$0
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Reward Me Fixed Rate Home Loan
3.87% p.a.
fixed 3 years
4.02% p.a.
$150
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Tailored Home Loan (Fixed, Choice Package)
3.99% p.a.
fixed 3 years
4.86% p.a.
$0
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Basic Home Loan (Fixed)
3.89% p.a.
fixed 3 years
3.91% p.a.
$0
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Fixed Rate Total Home Loan (Package)
3.83% p.a.
fixed 3 years
4.89% p.a.
$0
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Low Rate Home Loan with Offset
3.68% p.a.
3.69% p.a.
$0.00
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Reward Me Variable Rate Home Loan
3.68% p.a.
3.82% p.a.
$10.00 monthly
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Variable Home Loan (Premium Plus Package)
3.72% p.a.
4.12% p.a.
$395.00 yearly
