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 70%
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 $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 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 90%
The details shown below are for an investor taking out a principal & interest loan of at least $700,000 with an LVR below 70%
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 $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 $150,000 and $249,999 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 70%
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 this 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 | < 70% | $700,000 | |
| | Owner Occupier | Principal & Interest | 70%-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% | $250,000 | $699,999 |
| | Investor | Principal & Interest | < 80% | $250,000 | $699,999 |
| | Investor | Principal & Interest | 80%-90% | $150,000 | $249,999 |
| | Investor | Principal & Interest | 80%-90% | $250,000 | $699,999 |
| | Investor | Principal & Interest | < 70% | $700,000 | |
| | Investor | Principal & Interest | 70%-80% | $700,000 | |
| | Investor | Principal & Interest | 80%-90% | $700,000 | |
| | Investor | Interest Only | < 80% | $150,000 | $249,999 |
| | Investor | Interest Only | < 80% | $250,000 | $699,999 |
| | Investor | Interest Only | 80%-90% | $150,000 | $249,999 |
| | Investor | Interest Only | < 70% | $700,000 | |
| | Investor | Interest Only | 80%-90% | $250,000 | $699,999 |
| | Investor | Interest Only | 70%-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 < 70%
Loan: $700,000
Owner Occupier (Principal & Interest)
LVR 70%-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%
Loan: $250,000 $699,999
Investor (Principal & Interest)
LVR < 80%
Loan: $250,000 $699,999
Investor (Principal & Interest)
LVR 80%-90%
Loan: $150,000 $249,999
Investor (Principal & Interest)
LVR 80%-90%
Loan: $250,000 $699,999
Investor (Principal & Interest)
LVR < 70%
Loan: $700,000
Investor (Principal & Interest)
LVR 70%-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%
Loan: $250,000 $699,999
Investor (Interest Only)
LVR 80%-90%
Loan: $150,000 $249,999
Investor (Interest Only)
LVR < 70%
Loan: $700,000
Investor (Interest Only)
LVR 80%-90%
Loan: $250,000 $699,999
Investor (Interest Only)
LVR 70%-80%
Loan: $700,000
Investor (Interest Only)
LVR 80%-90%
Loan: $700,000
With a bundle of handy features, including a 100% offset account, the Variable Rate Loan Home Advantage Package from Heritage Bank really delivers as a Packaged Home Loan. Add in some seriously competitive variable rates starting at just 2.59% (2.99% comparison rate*) and this could be an attractive option for borrowers looking for a home loan deal with all the trimmings.
This package deal from Heritage Bank offers a 2.59% p.a. variable rate (2.99% p.a. comparison rate*) for owner occupiers with an LVR of 70% or under and a loan amount more than $700,000.
The rates for LVRs higher than this start at 2.69% (3.09% comparison rate*), and are generally high for lesser loan amounts. But don’t worry investors, because you’ll also be able to nab a deal of your own with rates from 2.89% p.a. (3.29% p.a. comparison rate*) for loans of $700,000 and up, with a 70% LVR and principal and interest repayments.
Depending on the 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, and is not available to investors.
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.
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.
On top of the annual fee that comes with the Variable Rate Loan Home Advantage Package after the first year, you’ll also be charged a $150 settlement fee as well as a $300 discharge fee.
2.79% p.a.
n/a
n/a
n/a
3.19% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$150.00
n/a
$350.00 yearly
$300.00
$150,000
$249,999
none
80.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
yes
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.
3.18% p.a.
n/a
n/a
n/a
3.57% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$150.00
n/a
$350.00 yearly
$300.00
$150,000
$249,999
80.00%
90.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
yes
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.
3.18% p.a.
n/a
n/a
n/a
3.57% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$150.00
n/a
$350.00 yearly
$300.00
$150,000
$249,999
90.00%
95.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
yes
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.
2.79% p.a.
n/a
n/a
n/a
3.19% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$150.00
n/a
$350.00 yearly
$300.00
$250,000
$699,999
none
80.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
yes
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.
3.09% p.a.
n/a
n/a
n/a
3.48% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$150.00
n/a
$350.00 yearly
$300.00
$250,000
$699,999
80.00%
90.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
yes
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.
3.09% p.a.
n/a
n/a
n/a
3.48% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$150.00
n/a
$350.00 yearly
$300.00
$250,000
$699,999
90.00%
95.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
yes
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.
2.59% p.a.
n/a
n/a
n/a
2.99% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$150.00
n/a
$350.00 yearly
$300.00
$700,000
none
none
70.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
yes
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.
2.69% p.a.
n/a
n/a
n/a
3.09% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$150.00
n/a
$350.00 yearly
$300.00
$700,000
none
70.00%
80.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
yes
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.
2.99% p.a.
n/a
n/a
n/a
3.38% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$150.00
n/a
$350.00 yearly
$300.00
$700,000
none
80.00%
90.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
yes
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.
2.99% p.a.
n/a
n/a
n/a
3.38% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$150.00
n/a
$350.00 yearly
$300.00
$700,000
none
90.00%
95.00%
Owner Occupier
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
yes
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.
2.99% p.a.
n/a
n/a
n/a
3.38% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$150.00
n/a
$350.00 yearly
$300.00
$150,000
$249,999
none
80.00%
Investor
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
yes
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.
2.84% p.a.
n/a
n/a
n/a
3.24% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$150.00
n/a
$350.00 yearly
$300.00
$250,000
$699,999
none
80.00%
Investor
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
yes
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.
2.89% p.a.
n/a
n/a
n/a
3.29% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$150.00
n/a
$350.00 yearly
$300.00
$250,000
$699,999
none
80.00%
Investor
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
yes
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.
3.48% p.a.
n/a
n/a
n/a
3.86% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$150.00
n/a
$350.00 yearly
$300.00
$150,000
$249,999
80.00%
90.00%
Investor
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
yes
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.
3.29% p.a.
n/a
n/a
n/a
3.68% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$150.00
n/a
$350.00 yearly
$300.00
$250,000
$699,999
80.00%
90.00%
Investor
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
yes
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.
2.84% p.a.
n/a
n/a
n/a
3.24% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$150.00
n/a
$350.00 yearly
$300.00
$700,000
none
none
70.00%
Investor
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
yes
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.
2.84% p.a.
n/a
n/a
n/a
3.24% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$150.00
n/a
$350.00 yearly
$300.00
$700,000
none
70.00%
80.00%
Investor
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
yes
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.
3.24% p.a.
n/a
n/a
n/a
3.63% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$150.00
n/a
$350.00 yearly
$300.00
$700,000
none
80.00%
90.00%
Investor
Principal & Interest
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
yes
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.
3.19% p.a.
n/a
n/a
n/a
3.54% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$150.00
n/a
$350.00 yearly
$300.00
$150,000
$249,999
none
80.00%
Investor
Interest Only
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
yes
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.
3.09% p.a.
n/a
n/a
n/a
3.44% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$150.00
n/a
$350.00 yearly
$300.00
$250,000
$699,999
none
80.00%
Investor
Interest Only
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
yes
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.
3.68% p.a.
n/a
n/a
n/a
4.02% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$150.00
n/a
$350.00 yearly
$300.00
$150,000
$249,999
80.00%
90.00%
Investor
Interest Only
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
yes
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.
2.94% p.a.
n/a
n/a
n/a
3.29% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$150.00
n/a
$350.00 yearly
$300.00
$700,000
none
none
70.00%
Investor
Interest Only
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
yes
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.
3.49% p.a.
n/a
n/a
n/a
3.83% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$150.00
n/a
$350.00 yearly
$300.00
$250,000
$699,999
80.00%
90.00%
Investor
Interest Only
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
yes
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.
2.94% p.a.
n/a
n/a
n/a
3.29% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$150.00
n/a
$350.00 yearly
$300.00
$700,000
none
70.00%
80.00%
Investor
Interest Only
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
yes
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.
3.44% p.a.
n/a
n/a
n/a
3.78% p.a.
n/a
n/a
n/a
n/a
n/a
n/a
n/a
n/a
$0.00
$0.00
$0.00
$150.00
n/a
$350.00 yearly
$300.00
$700,000
none
80.00%
90.00%
Investor
Interest Only
Weekly, Fortnightly, Monthly
yes - free
no
yes - free
$0.00
yes
yes
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.
I highly recommend Heritage Bank, they are professional, friendly and considerate when it comes to their clients requests and are well worth switching to.
Read full reviewI highly recommend Heritage Bank, they are professional, friendly and considerate when it comes to their clients requests and are well worth switching to.
I'm getting a very competitive rate, product features and excellent customer service. This is a very established bank.
Read full reviewI'm getting a very competitive rate, product features and excellent customer service. This is a very established bank.
The staff are very helpful, they helped us get set up with our offset account and credit card that is part of the package. Coming from the Commonwealth Bank, the Heritage Bank is a bit old fashioned with some of their processes, like the converting to paperless is a bit of a process, needing signed paperwork mailed in, and changing credit limits on the credit card is a bit of a process also. But hey it is certainly safe, some people would feel more protected with the paper system.
Read full reviewThe staff are very helpful, they helped us get set up with our offset account and credit card that is part of the package. Coming from the Commonwealth Bank, the Heritage Bank is a bit old fashioned with some of their processes, like the converting to paperless is a bit of a process, needing signed paperwork mailed in, and changing credit limits on the credit card is a bit of a process also. But hey it is certainly safe, some people would feel more protected with the paper system.
Heritage Bank are simply the best in all aspects of banking. I have a owner occupied and investment loan with them. I have negotiated extremely competitive rates with them. I have excellent 24/7 customer service with Australian employees and their banking app is great as well.
Read full reviewHeritage Bank are simply the best in all aspects of banking. I have a owner occupied and investment loan with them. I have negotiated extremely competitive rates with them. I have excellent 24/7 customer service with Australian employees and their banking app is great as well.
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.
Read full reviewWe 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.
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.
loans.com.au
Smart Booster Home Loan
1.85% p.a.variable for 24 months and then 2.25% p.a. variable
2.21% p.a.
Bank of Queensland
Fixed Rate
1.94% p.a.
fixed 3 years
2.97% p.a.
loans.com.au
Smart Booster Home Loan
1.85% p.a.variable for 24 months and then 2.25% p.a. variable
2.21% p.a.
Newcastle Permanent
Fixed Rate Home Loan (Premium Plus Package)
2.09% p.a.
fixed 3 years
3.58% p.a.
loans.com.au
Smart Booster Home Loan
1.85% p.a.variable for 24 months and then 2.25% p.a.
2.21% p.a.
Bank of Queensland
Fixed Rate
1.94% p.a.
fixed 3 years
2.97% p.a.
Qudos Bank
Fixed Rate Home Loan
1.99% p.a.
fixed 3 years
2.59% p.a.
Newcastle Permanent
Fixed Rate Home Loan (Premium Plus Package)
2.09% p.a.
fixed 3 years
3.58% p.a.
loans.com.au
Smart Booster Home Loan
1.85% p.a.variable for 24 months and then 2.25% p.a.
2.21% p.a.
$0.00
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.
