Heritage Bank Variable Rate Loan (Home Advantage)
The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 and $249,999 with an LVR below 80%
The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 and $249,999 with an LVR below 90%
The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 and $249,999 with an LVR below 95%
The details shown below are for an owner occupier taking out a principal & interest loan between $250,000 and $699,999 with an LVR below 80%
The details shown below are for an owner occupier taking out a principal & interest loan between $250,000 and $699,999 with an LVR below 90%
The details shown below are for an owner occupier taking out a principal & interest loan between $250,000 and $699,999 with an LVR below 95%
The details shown below are for an owner occupier taking out a principal & interest loan of at least $700,000 with an LVR below 80%
The details shown below are for an owner occupier taking out a principal & interest loan of at least $700,000 with an LVR below 90%
The details shown below are for an owner occupier taking out a principal & interest loan of at least $700,000 with an LVR below 95%
The details shown below are for an investor taking out a principal & interest loan between $150,000 and $249,999 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan between $150,000 and $249,999 with an LVR below 90%
The details shown below are for an investor taking out a principal & interest loan between $250,000 and $699,999 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan between $250,000 and $699,999 with an LVR below 90%
The details shown below are for an investor taking out a principal & interest loan of at least $700,000 with an LVR below 80%
The details shown below are for an investor taking out a principal & interest loan of at least $700,000 with an LVR below 90%
The details shown below are for an investor taking out a interest only loan between $150,000 and $249,999 with an LVR below 80%
The details shown below are for an investor taking out a interest only loan between $150,000 and $249,999 with an LVR below 90%
The details shown below are for an investor taking out a interest only loan between $250,000 and $699,999 with an LVR below 80%
The details shown below are for an investor taking out a interest only loan between $250,000 and $699,999 with an LVR below 90%
The details shown below are for an investor taking out a interest only loan of at least $700,000 with an LVR below 80%
The details shown below are for an investor taking out a interest only loan of at least $700,000 with an LVR below 90%
Choose the version of loan that suits you best
| Availability | Loan type | LVR | Min loan amount | Max loan amount | |
|---|---|---|---|---|---|
| | Owner Occupier | Principal & Interest | < 80% | $150,000 | $249,999 |
| | Owner Occupier | Principal & Interest | 80%-90% | $150,000 | $249,999 |
| | Owner Occupier | Principal & Interest | 90%-95% | $150,000 | $249,999 |
| | Owner Occupier | Principal & Interest | < 80% | $250,000 | $699,999 |
| | Owner Occupier | Principal & Interest | 80%-90% | $250,000 | $699,999 |
| | Owner Occupier | Principal & Interest | 90%-95% | $250,000 | $699,999 |
| | Owner Occupier | Principal & Interest | < 80% | $700,000 | |
| | Owner Occupier | Principal & Interest | 80%-90% | $700,000 | |
| | Owner Occupier | Principal & Interest | 90%-95% | $700,000 | |
| | Investor | Principal & Interest | < 80% | $150,000 | $249,999 |
| | Investor | Principal & Interest | 80%-90% | $150,000 | $249,999 |
| | Investor | Principal & Interest | < 80% | $250,000 | $699,999 |
| | Investor | Principal & Interest | 80%-90% | $250,000 | $699,999 |
| | Investor | Principal & Interest | < 80% | $700,000 | |
| | Investor | Principal & Interest | 80%-90% | $700,000 | |
| | Investor | Interest Only | < 80% | $150,000 | $249,999 |
| | Investor | Interest Only | 80%-90% | $150,000 | $249,999 |
| | Investor | Interest Only | < 80% | $250,000 | $699,999 |
| | Investor | Interest Only | 80%-90% | $250,000 | $699,999 |
| | Investor | Interest Only | < 80% | $700,000 | |
| | Investor | Interest Only | 80%-90% | $700,000 |
-
Owner Occupier (Principal & Interest)
LVR < 80%
Loan: $150,000 $249,999
-
Owner Occupier (Principal & Interest)
LVR 80%-90%
Loan: $150,000 $249,999
-
Owner Occupier (Principal & Interest)
LVR 90%-95%
Loan: $150,000 $249,999
-
Owner Occupier (Principal & Interest)
LVR < 80%
Loan: $250,000 $699,999
-
Owner Occupier (Principal & Interest)
LVR 80%-90%
Loan: $250,000 $699,999
-
Owner Occupier (Principal & Interest)
LVR 90%-95%
Loan: $250,000 $699,999
-
Owner Occupier (Principal & Interest)
LVR < 80%
Loan: $700,000
-
Owner Occupier (Principal & Interest)
LVR 80%-90%
Loan: $700,000
-
Owner Occupier (Principal & Interest)
LVR 90%-95%
Loan: $700,000
-
Investor (Principal & Interest)
LVR < 80%
Loan: $150,000 $249,999
-
Investor (Principal & Interest)
LVR 80%-90%
Loan: $150,000 $249,999
-
Investor (Principal & Interest)
LVR < 80%
Loan: $250,000 $699,999
-
Investor (Principal & Interest)
LVR 80%-90%
Loan: $250,000 $699,999
-
Investor (Principal & Interest)
LVR < 80%
Loan: $700,000
-
Investor (Principal & Interest)
LVR 80%-90%
Loan: $700,000
-
Investor (Interest Only)
LVR < 80%
Loan: $150,000 $249,999
-
Investor (Interest Only)
LVR 80%-90%
Loan: $150,000 $249,999
-
Investor (Interest Only)
LVR < 80%
Loan: $250,000 $699,999
-
Investor (Interest Only)
LVR 80%-90%
Loan: $250,000 $699,999
-
Investor (Interest Only)
LVR < 80%
Loan: $700,000
-
Investor (Interest Only)
LVR 80%-90%
Loan: $700,000
3.82% p.a.
4.19% p.a.
$350.00 yearly
Heritage Bank Variable Rate Loan (Home Advantage)
3.82% p.a.
4.19% p.a.
$350.00 yearly
Heritage Bank Variable Rate Loan (Home Advantage)
3.82% p.a.
4.19% p.a.
$350.00 yearly
3.92% p.a.
4.29% p.a.
$350.00 yearly
Heritage Bank Variable Rate Loan (Home Advantage)
3.92% p.a.
4.29% p.a.
$350.00 yearly
Heritage Bank Variable Rate Loan (Home Advantage)
3.92% p.a.
4.29% p.a.
$350.00 yearly
4.02% p.a.
4.38% p.a.
$350.00 yearly
Heritage Bank Variable Rate Loan (Home Advantage)
4.02% p.a.
4.38% p.a.
$350.00 yearly
Heritage Bank Variable Rate Loan (Home Advantage)
4.02% p.a.
4.38% p.a.
$350.00 yearly
3.77% p.a.
4.14% p.a.
$350.00 yearly
Heritage Bank Variable Rate Loan (Home Advantage)
3.77% p.a.
4.14% p.a.
$350.00 yearly
Heritage Bank Variable Rate Loan (Home Advantage)
3.77% p.a.
4.14% p.a.
$350.00 yearly
3.87% p.a.
4.24% p.a.
$350.00 yearly
Heritage Bank Variable Rate Loan (Home Advantage)
3.87% p.a.
4.24% p.a.
$350.00 yearly
Heritage Bank Variable Rate Loan (Home Advantage)
3.87% p.a.
4.24% p.a.
$350.00 yearly
3.97% p.a.
4.33% p.a.
$350.00 yearly
Heritage Bank Variable Rate Loan (Home Advantage)
3.97% p.a.
4.33% p.a.
$350.00 yearly
Heritage Bank Variable Rate Loan (Home Advantage)
3.97% p.a.
4.33% p.a.
$350.00 yearly
3.72% p.a.
4.09% p.a.
$350.00 yearly
Heritage Bank Variable Rate Loan (Home Advantage)
3.72% p.a.
4.09% p.a.
$350.00 yearly
Heritage Bank Variable Rate Loan (Home Advantage)
3.72% p.a.
4.09% p.a.
$350.00 yearly
3.82% p.a.
4.19% p.a.
$350.00 yearly
Heritage Bank Variable Rate Loan (Home Advantage)
3.82% p.a.
4.19% p.a.
$350.00 yearly
Heritage Bank Variable Rate Loan (Home Advantage)
3.82% p.a.
4.19% p.a.
$350.00 yearly
3.92% p.a.
4.29% p.a.
$350.00 yearly
Heritage Bank Variable Rate Loan (Home Advantage)
3.92% p.a.
4.29% p.a.
$350.00 yearly
Heritage Bank Variable Rate Loan (Home Advantage)
3.92% p.a.
4.29% p.a.
$350.00 yearly
4.24% p.a.
4.60% p.a.
$350.00 yearly
Heritage Bank Variable Rate Loan (Home Advantage)
4.24% p.a.
4.60% p.a.
$350.00 yearly
Heritage Bank Variable Rate Loan (Home Advantage)
4.24% p.a.
4.60% p.a.
$350.00 yearly
4.44% p.a.
4.80% p.a.
$350.00 yearly
Heritage Bank Variable Rate Loan (Home Advantage)
4.44% p.a.
4.80% p.a.
$350.00 yearly
Heritage Bank Variable Rate Loan (Home Advantage)
4.44% p.a.
4.80% p.a.
$350.00 yearly
4.19% p.a.
4.55% p.a.
$350.00 yearly
Heritage Bank Variable Rate Loan (Home Advantage)
4.19% p.a.
4.55% p.a.
$350.00 yearly
Heritage Bank Variable Rate Loan (Home Advantage)
4.19% p.a.
4.55% p.a.
$350.00 yearly
4.39% p.a.
4.75% p.a.
$350.00 yearly
Heritage Bank Variable Rate Loan (Home Advantage)
4.39% p.a.
4.75% p.a.
$350.00 yearly
Heritage Bank Variable Rate Loan (Home Advantage)
4.39% p.a.
4.75% p.a.
$350.00 yearly
4.14% p.a.
4.50% p.a.
$350.00 yearly
Heritage Bank Variable Rate Loan (Home Advantage)
4.14% p.a.
4.50% p.a.
$350.00 yearly
Heritage Bank Variable Rate Loan (Home Advantage)
4.14% p.a.
4.50% p.a.
$350.00 yearly
4.34% p.a.
4.70% p.a.
$350.00 yearly
Heritage Bank Variable Rate Loan (Home Advantage)
4.34% p.a.
4.70% p.a.
$350.00 yearly
Heritage Bank Variable Rate Loan (Home Advantage)
4.34% p.a.
4.70% p.a.
$350.00 yearly
4.59% p.a.
4.94% p.a.
$350.00 yearly
Heritage Bank Variable Rate Loan (Home Advantage)
4.59% p.a.
4.94% p.a.
$350.00 yearly
Heritage Bank Variable Rate Loan (Home Advantage)
4.59% p.a.
4.94% p.a.
$350.00 yearly
4.79% p.a.
5.14% p.a.
$350.00 yearly
Heritage Bank Variable Rate Loan (Home Advantage)
4.79% p.a.
5.14% p.a.
$350.00 yearly
Heritage Bank Variable Rate Loan (Home Advantage)
4.79% p.a.
5.14% p.a.
$350.00 yearly
4.54% p.a.
4.89% p.a.
$350.00 yearly
Heritage Bank Variable Rate Loan (Home Advantage)
4.54% p.a.
4.89% p.a.
$350.00 yearly
Heritage Bank Variable Rate Loan (Home Advantage)
4.54% p.a.
4.89% p.a.
$350.00 yearly
4.74% p.a.
5.09% p.a.
$350.00 yearly
Heritage Bank Variable Rate Loan (Home Advantage)
4.74% p.a.
5.09% p.a.
$350.00 yearly
Heritage Bank Variable Rate Loan (Home Advantage)
4.74% p.a.
5.09% p.a.
$350.00 yearly
4.49% p.a.
4.84% p.a.
$350.00 yearly
Heritage Bank Variable Rate Loan (Home Advantage)
4.49% p.a.
4.84% p.a.
$350.00 yearly
Heritage Bank Variable Rate Loan (Home Advantage)
4.49% p.a.
4.84% p.a.
$350.00 yearly
4.69% p.a.
5.04% p.a.
$350.00 yearly
Heritage Bank Variable Rate Loan (Home Advantage)
4.69% p.a.
5.04% p.a.
$350.00 yearly
Heritage Bank Variable Rate Loan (Home Advantage)
4.69% p.a.
5.04% p.a.
$350.00 yearly
Mozo Review Heritage Bank Variable Rate Loan (Home Advantage) Review
Last updated: 2 July 2018.
What's hot:
2018 Mozo Experts Choice Award
Variable rates from 3.84% (4.22% comparison rate)
Free extra repayments and redraw facility
100% offset account
What's not:
$350 yearly service fee
Mozo snapshot:
With a bundle of handy features, including a 100% offset account, it’s easy to see why the Variable Rate Loan Home Advantage Package from Heritage Bank took out a 2018 Mozo Experts Choice Award for best Packaged Home Loan. Add in some seriously competitive variables rates starting at just 3.84% (4.22% comparison rate) and this could be an attractive option for borrowers looking for a home loan deal with all the trimmings.
Key features:
The Variable Rate Loan Home Advantage Package offers a variable rate for owner occupiers starting at 3.84% (4.22% comparison rate), but don’t worry investors, because you’ll also be able to nab a deal of your own with rates from 4.14% (4.51% comparison rate). Depending on the package deal you choose, you could also be able to borrow with a deposit as low as 5%, though this will impact the rate Heritage Bank will offer you.
Aside from the low variable rate, Heritage Bank has also packed a number of handy extras into the Home Advantage Package including a 100% offset account which you could use to reduce the size of your home loan repayments, as well as a completely free extra repayments facility that could help you pay off your loan even faster.
Borrowers will also have the flexibility to make repayments on a schedule that suits their needs - either on a weekly, fortnightly or monthly basis. And if you do end up making use of that handy extra repayment facility, but find yourself in a situation where you need to dip into it, Heritage will give you the flexibility of free redraws on those extra repayments.
Just bear in mind that while the Variable Rate Loan Home Advantage Package does contain a number useful features, it also comes with a yearly service fee of $350.
Who it's good for:
If you’re an owner occupier or investor looking for a flexible, low rate home loan option with the additional advantage of a 100% offset account, then this could be the deal for you.
Any catches?
On top of the annual fee that comes with the Variable Rate Loan Home Advantage Package, you’ll also be charged a $150 settlement fee as well as a $250 discharge fee.
Details
Rates and fees information correct as at 19 September 2018.
Rates
-
3.82% p.a.
-
n/a
-
0 Months
-
none
-
4.19% p.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
-
none
-
$350.00 yearly
-
$250.00
Other financial bits
-
$150,000
-
$249,999
-
none
-
80.00%
Features
-
Owner Occupier
-
Principal & Interest
-
Weekly, Fortnightly, Monthly
-
yes - free
-
no
-
yes - free
-
$0.00
-
yes
-
yes
-
none
-
Annual Package Fee waived for the first year.
Details
Rates and fees information correct as at 19 September 2018.
Rates
-
3.92% p.a.
-
n/a
-
0 Months
-
none
-
4.29% p.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
-
none
-
$350.00 yearly
-
$250.00
Other financial bits
-
$150,000
-
$249,999
-
80.00%
-
90.00%
Features
-
Owner Occupier
-
Principal & Interest
-
Weekly, Fortnightly, Monthly
-
yes - free
-
no
-
yes - free
-
$0.00
-
yes
-
yes
-
none
-
Annual Package Fee waived for the first year.
Details
Rates and fees information correct as at 19 September 2018.
Rates
-
4.02% p.a.
-
n/a
-
0 Months
-
none
-
4.38% p.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
-
none
-
$350.00 yearly
-
$250.00
Other financial bits
-
$150,000
-
$249,999
-
90.00%
-
95.00%
Features
-
Owner Occupier
-
Principal & Interest
-
Weekly, Fortnightly, Monthly
-
yes - free
-
no
-
yes - free
-
$0.00
-
yes
-
yes
-
none
-
Annual Package Fee waived for the first year.
Details
Rates and fees information correct as at 19 September 2018.
Rates
-
3.77% p.a.
-
n/a
-
0 Months
-
none
-
4.14% p.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
-
none
-
$350.00 yearly
-
$250.00
Other financial bits
-
$250,000
-
$699,999
-
none
-
80.00%
Features
-
Owner Occupier
-
Principal & Interest
-
Weekly, Fortnightly, Monthly
-
yes - free
-
no
-
yes - free
-
$0.00
-
yes
-
yes
-
none
-
Annual Package Fee waived for the first year.
Details
Rates and fees information correct as at 19 September 2018.
Rates
-
3.87% p.a.
-
n/a
-
0 Months
-
none
-
4.24% p.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
-
none
-
$350.00 yearly
-
$250.00
Other financial bits
-
$250,000
-
$699,999
-
80.00%
-
90.00%
Features
-
Owner Occupier
-
Principal & Interest
-
Weekly, Fortnightly, Monthly
-
yes - free
-
no
-
yes - free
-
$0.00
-
yes
-
yes
-
none
-
Annual Package Fee waived for the first year.
Details
Rates and fees information correct as at 19 September 2018.
Rates
-
3.97% p.a.
-
n/a
-
0 Months
-
none
-
4.33% p.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
-
none
-
$350.00 yearly
-
$250.00
Other financial bits
-
$250,000
-
$699,999
-
90.00%
-
95.00%
Features
-
Owner Occupier
-
Principal & Interest
-
Weekly, Fortnightly, Monthly
-
yes - free
-
no
-
yes - free
-
$0.00
-
yes
-
yes
-
none
-
Annual Package Fee waived for the first year.
Details
Rates and fees information correct as at 19 September 2018.
Rates
-
3.72% p.a.
-
n/a
-
0 Months
-
none
-
4.09% p.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
-
none
-
$350.00 yearly
-
$250.00
Other financial bits
-
$700,000
-
none
-
none
-
80.00%
Features
-
Owner Occupier
-
Principal & Interest
-
Weekly, Fortnightly, Monthly
-
yes - free
-
no
-
yes - free
-
$0.00
-
yes
-
yes
-
none
-
Annual Package Fee waived for the first year.
Details
Rates and fees information correct as at 19 September 2018.
Rates
-
3.82% p.a.
-
n/a
-
0 Months
-
none
-
4.19% p.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
-
none
-
$350.00 yearly
-
$250.00
Other financial bits
-
$700,000
-
none
-
80.00%
-
90.00%
Features
-
Owner Occupier
-
Principal & Interest
-
Weekly, Fortnightly, Monthly
-
yes - free
-
no
-
yes - free
-
$0.00
-
yes
-
yes
-
none
-
Annual Package Fee waived for the first year.
Details
Rates and fees information correct as at 19 September 2018.
Rates
-
3.92% p.a.
-
n/a
-
0 Months
-
none
-
4.29% p.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
-
none
-
$350.00 yearly
-
$250.00
Other financial bits
-
$700,000
-
none
-
90.00%
-
95.00%
Features
-
Owner Occupier
-
Principal & Interest
-
Weekly, Fortnightly, Monthly
-
yes - free
-
no
-
yes - free
-
$0.00
-
yes
-
yes
-
none
-
Annual Package Fee waived for the first year.
Details
Rates and fees information correct as at 19 September 2018.
Rates
-
4.24% p.a.
-
n/a
-
0 Months
-
none
-
4.60% p.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
-
none
-
$350.00 yearly
-
$250.00
Other financial bits
-
$150,000
-
$249,999
-
none
-
80.00%
Features
-
Investor
-
Principal & Interest
-
Weekly, Fortnightly, Monthly
-
yes - free
-
no
-
yes - free
-
$0.00
-
yes
-
yes
-
none
-
Annual Package Fee waived for the first year.
Details
Rates and fees information correct as at 19 September 2018.
Rates
-
4.44% p.a.
-
n/a
-
0 Months
-
none
-
4.80% p.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
-
none
-
$350.00 yearly
-
$250.00
Other financial bits
-
$150,000
-
$249,999
-
80.00%
-
90.00%
Features
-
Investor
-
Principal & Interest
-
Weekly, Fortnightly, Monthly
-
yes - free
-
no
-
yes - free
-
$0.00
-
yes
-
yes
-
none
-
Annual Package Fee waived for the first year.
Details
Rates and fees information correct as at 19 September 2018.
Rates
-
4.19% p.a.
-
n/a
-
0 Months
-
none
-
4.55% p.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
-
none
-
$350.00 yearly
-
$250.00
Other financial bits
-
$250,000
-
$699,999
-
none
-
80.00%
Features
-
Investor
-
Principal & Interest
-
Weekly, Fortnightly, Monthly
-
yes - free
-
no
-
yes - free
-
$0.00
-
yes
-
yes
-
none
-
Annual Package Fee waived for the first year.
Details
Rates and fees information correct as at 19 September 2018.
Rates
-
4.39% p.a.
-
n/a
-
0 Months
-
none
-
4.75% p.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
-
none
-
$350.00 yearly
-
$250.00
Other financial bits
-
$250,000
-
$699,999
-
80.00%
-
90.00%
Features
-
Investor
-
Principal & Interest
-
Weekly, Fortnightly, Monthly
-
yes - free
-
no
-
yes - free
-
$0.00
-
yes
-
yes
-
none
-
Annual Package Fee waived for the first year.
Details
Rates and fees information correct as at 19 September 2018.
Rates
-
4.14% p.a.
-
n/a
-
0 Months
-
none
-
4.50% p.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
-
none
-
$350.00 yearly
-
$250.00
Other financial bits
-
$700,000
-
none
-
none
-
80.00%
Features
-
Investor
-
Principal & Interest
-
Weekly, Fortnightly, Monthly
-
yes - free
-
no
-
yes - free
-
$0.00
-
yes
-
yes
-
none
-
Annual Package Fee waived for the first year.
Details
Rates and fees information correct as at 19 September 2018.
Rates
-
4.34% p.a.
-
n/a
-
0 Months
-
none
-
4.70% p.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
-
none
-
$350.00 yearly
-
$250.00
Other financial bits
-
$700,000
-
none
-
80.00%
-
90.00%
Features
-
Investor
-
Principal & Interest
-
Weekly, Fortnightly, Monthly
-
yes - free
-
no
-
yes - free
-
$0.00
-
yes
-
yes
-
none
-
Annual Package Fee waived for the first year.
Details
Rates and fees information correct as at 19 September 2018.
Rates
-
4.59% p.a.
-
n/a
-
0 Months
-
none
-
4.94% p.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
-
none
-
$350.00 yearly
-
$250.00
Other financial bits
-
$150,000
-
$249,999
-
none
-
80.00%
Features
-
Investor
-
Interest Only
-
Weekly, Fortnightly, Monthly
-
yes - free
-
no
-
yes - free
-
$0.00
-
yes
-
yes
-
none
-
Annual Package Fee waived for the first year.
Details
Rates and fees information correct as at 19 September 2018.
Rates
-
4.79% p.a.
-
n/a
-
0 Months
-
none
-
5.14% p.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
-
none
-
$350.00 yearly
-
$250.00
Other financial bits
-
$150,000
-
$249,999
-
80.00%
-
90.00%
Features
-
Investor
-
Interest Only
-
Weekly, Fortnightly, Monthly
-
yes - free
-
no
-
yes - free
-
$0.00
-
yes
-
yes
-
none
-
Annual Package Fee waived for the first year.
Details
Rates and fees information correct as at 19 September 2018.
Rates
-
4.54% p.a.
-
n/a
-
0 Months
-
none
-
4.89% p.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
-
none
-
$350.00 yearly
-
$250.00
Other financial bits
-
$250,000
-
$699,999
-
none
-
80.00%
Features
-
Investor
-
Interest Only
-
Weekly, Fortnightly, Monthly
-
yes - free
-
no
-
yes - free
-
$0.00
-
yes
-
yes
-
none
-
Annual Package Fee waived for the first year.
Details
Rates and fees information correct as at 19 September 2018.
Rates
-
4.74% p.a.
-
n/a
-
0 Months
-
none
-
5.09% p.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
-
none
-
$350.00 yearly
-
$250.00
Other financial bits
-
$250,000
-
$699,999
-
80.00%
-
90.00%
Features
-
Investor
-
Interest Only
-
Weekly, Fortnightly, Monthly
-
yes - free
-
no
-
yes - free
-
$0.00
-
yes
-
yes
-
none
-
Annual Package Fee waived for the first year.
Details
Rates and fees information correct as at 19 September 2018.
Rates
-
4.49% p.a.
-
n/a
-
0 Months
-
none
-
4.84% p.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
-
none
-
$350.00 yearly
-
$250.00
Other financial bits
-
$700,000
-
none
-
none
-
80.00%
Features
-
Investor
-
Interest Only
-
Weekly, Fortnightly, Monthly
-
yes - free
-
no
-
yes - free
-
$0.00
-
yes
-
yes
-
none
-
Annual Package Fee waived for the first year.
Details
Rates and fees information correct as at 19 September 2018.
Rates
-
4.69% p.a.
-
n/a
-
0 Months
-
none
-
5.04% p.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
-
none
-
$350.00 yearly
-
$250.00
Other financial bits
-
$700,000
-
none
-
80.00%
-
90.00%
Features
-
Investor
-
Interest Only
-
Weekly, Fortnightly, Monthly
-
yes - free
-
no
-
yes - free
-
$0.00
-
yes
-
yes
-
none
-
Annual Package Fee waived for the first year.
Customer Reviews
How are Heritage Bank home loans rated by the Mozo community?
Latest reviews of Heritage Bank Variable Rate Loan (Home Advantage)
- Overall10/10
Service is the greatest
We have been with Heritage since 2002 and love the personal service we get in branch from our...
Read full review
We have been with Heritage since 2002 and love the personal service we get in branch from our bank manager and area manager. They are both fantastic the service they and their staff give is second to non. We have been put on great new rates on their latest product. They may not always be up on the top for rates for investors but they are top of the league for service and satisfaction. They go out of their way to please their customers and keep them happy which isn't hard with the great staff they have and personal service. You are not a number but a person with Heritage Bank. The manager and area manager of Kawana Branch in Qld deserve a medal they are the best. Credit department (SBS) have been great in our recent talks with them too.
Price10/10Features10/10Customer service10/10Convenience10/10Trust10/10Less
Paul | QLD
24 Jun 2015
- Overall10/10
Love the service my local bank gives us
We have been with Heritage since 2002 and love the personal service we get in branch from our...
Read full review
We have been with Heritage since 2002 and love the personal service we get in branch from our bank manager and area manager. They are both fantastic the service they and their staff give is second to non. We have been put on great new rates on their latest product. They may not always be up on the top for rates for investors but they are top of the league for service and satisfaction. They go out of their way to please their customers and keep them happy which isn't hard with the great staff they have and personal service. You are not a number but a person with Heritage Bank. The manager and area manager of Kawana Branch in Qld deserve a medal they are the best. Credit department (SBS) have been great in our recent talks with them too.
Price10/10Features10/10Customer service10/10Convenience10/10Trust10/10Less
Jean | QLD
24 Jun 2015
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.
