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Heritage Bank Variable Rate Loan (Home Advantage)

Advertiser disclosure

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 70%

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 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 70%

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 $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 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 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 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 between $250,000 and $699,999 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 70%

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 between $250,000 and $699,999 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 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 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 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 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 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 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 $250,000 and $699,999 with an LVR below 70%

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 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 $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 90%

The details shown below are for an investor taking out a interest only 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 of at least $700,000 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%

Choose the version of this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 70%

    Loan: $150,000 $249,999

  • Owner Occupier (Principal & Interest)

    LVR < 70%

    Loan: $250,000 $699,999

  • Owner Occupier (Principal & Interest)

    LVR < 70%

    Loan: $700,000

  • 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 < 80%

    Loan: $150,000 $249,999

  • Owner Occupier (Principal & Interest)

    LVR 80%-90%

    Loan: $700,000

  • 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 70%-80%

    Loan: $700,000

  • Owner Occupier (Principal & Interest)

    LVR 90%-95%

    Loan: $250,000 $699,999

  • Investor (Principal & Interest)

    LVR < 70%

    Loan: $150,000 $249,999

  • Investor (Principal & Interest)

    LVR 80%-90%

    Loan: $250,000 $699,999

  • Investor (Principal & Interest)

    LVR < 70%

    Loan: $250,000 $699,999

  • Investor (Principal & Interest)

    LVR < 70%

    Loan: $700,000

  • Owner Occupier (Principal & Interest)

    LVR 90%-95%

    Loan: $700,000

  • Investor (Principal & Interest)

    LVR 80%-90%

    Loan: $150,000 $249,999

  • Investor (Interest Only)

    LVR < 70%

    Loan: $150,000 $249,999

  • Investor (Principal & Interest)

    LVR 70%-80%

    Loan: $700,000

  • Investor (Principal & Interest)

    LVR 70%-80%

    Loan: $250,000 $699,999

  • Investor (Principal & Interest)

    LVR 80%-90%

    Loan: $700,000

  • Investor (Interest Only)

    LVR < 70%

    Loan: $250,000 $699,999

  • Investor (Principal & Interest)

    LVR 70%-80%

    Loan: $150,000 $249,999

  • Investor (Interest Only)

    LVR < 70%

    Loan: $700,000

  • Investor (Interest Only)

    LVR < 80%

    Loan: $150,000 $249,999

  • Investor (Interest Only)

    LVR 80%-90%

    Loan: $250,000 $699,999

  • Investor (Interest Only)

    LVR 80%-90%

    Loan: $700,000

  • Investor (Interest Only)

    LVR 70%-80%

    Loan: $700,000

  • Investor (Interest Only)

    LVR 80%-90%

    Loan: $150,000 $249,999

  • Investor (Interest Only)

    LVR < 80%

    Loan: $250,000 $699,999

Rate
2.39% p.a.
Comparison Rate
2.80% p.a.
Service fee
$350.00 yearly
Upfront fee
$150
Rate
2.34% p.a.
Comparison Rate
2.75% p.a.
Service fee
$350.00 yearly
Upfront fee
$150
Rate
2.24% p.a.
Comparison Rate
2.65% p.a.
Service fee
$350.00 yearly
Upfront fee
$150
Rate
2.44% p.a.
Comparison Rate
2.85% p.a.
Service fee
$350.00 yearly
Upfront fee
$150
Rate
2.69% p.a.
Comparison Rate
3.09% p.a.
Service fee
$350.00 yearly
Upfront fee
$150
Rate
2.49% p.a.
Comparison Rate
2.90% p.a.
Service fee
$350.00 yearly
Upfront fee
$150
Rate
2.59% p.a.
Comparison Rate
2.99% p.a.
Service fee
$350.00 yearly
Upfront fee
$150
Rate
2.79% p.a.
Comparison Rate
3.19% p.a.
Service fee
$350.00 yearly
Upfront fee
$150
Rate
3.29% p.a.
Comparison Rate
3.68% p.a.
Service fee
$350.00 yearly
Upfront fee
$150
Rate
2.34% p.a.
Comparison Rate
2.75% p.a.
Service fee
$350.00 yearly
Upfront fee
$150
Rate
3.29% p.a.
Comparison Rate
3.68% p.a.
Service fee
$350.00 yearly
Upfront fee
$150
Rate
2.59% p.a.
Comparison Rate
2.99% p.a.
Service fee
$350.00 yearly
Upfront fee
$150
Rate
2.94% p.a.
Comparison Rate
3.33% p.a.
Service fee
$350.00 yearly
Upfront fee
$150
Rate
2.54% p.a.
Comparison Rate
2.94% p.a.
Service fee
$350.00 yearly
Upfront fee
$150
Rate
2.44% p.a.
Comparison Rate
2.85% p.a.
Service fee
$350.00 yearly
Upfront fee
$150
Rate
3.29% p.a.
Comparison Rate
3.68% p.a.
Service fee
$350.00 yearly
Upfront fee
$150
Rate
3.04% p.a.
Comparison Rate
3.43% p.a.
Service fee
$350.00 yearly
Upfront fee
$150
Rate
2.79% p.a.
Comparison Rate
3.14% p.a.
Service fee
$350.00 yearly
Upfront fee
$150
Rate
2.54% p.a.
Comparison Rate
2.94% p.a.
Service fee
$350.00 yearly
Upfront fee
$150
Rate
2.64% p.a.
Comparison Rate
3.04% p.a.
Service fee
$350.00 yearly
Upfront fee
$150
Rate
2.89% p.a.
Comparison Rate
3.29% p.a.
Service fee
$350.00 yearly
Upfront fee
$150
Rate
2.74% p.a.
Comparison Rate
3.09% p.a.
Service fee
$350.00 yearly
Upfront fee
$150
Rate
2.69% p.a.
Comparison Rate
3.09% p.a.
Service fee
$350.00 yearly
Upfront fee
$150
Rate
2.64% p.a.
Comparison Rate
2.99% p.a.
Service fee
$350.00 yearly
Upfront fee
$150
Rate
2.89% p.a.
Comparison Rate
3.24% p.a.
Service fee
$350.00 yearly
Upfront fee
$150
Rate
3.14% p.a.
Comparison Rate
3.49% p.a.
Service fee
$350.00 yearly
Upfront fee
$150
Rate
3.04% p.a.
Comparison Rate
3.39% p.a.
Service fee
$350.00 yearly
Upfront fee
$150
Rate
2.74% p.a.
Comparison Rate
3.09% p.a.
Service fee
$350.00 yearly
Upfront fee
$150
Rate
3.14% p.a.
Comparison Rate
3.49% p.a.
Service fee
$350.00 yearly
Upfront fee
$150
Rate
2.84% p.a.
Comparison Rate
3.19% p.a.
Service fee
$350.00 yearly
Upfront fee
$150

Mozo editorial review Heritage Bank Variable Rate Loan (Home Advantage) - last updated: 11 May 2022

binocular icon
What's hot
  • Variable rates from 2.34% p.a. (2.75% p.a. comparison rate*)
  • 100% offset account
  • Extra repayments and redraw facility available
What's not
  • $350 annual service fee
Mozo snapshot

With a bundle of handy features including a 100% offset account, the Variable Rate Loan (Home Advantage) from Heritage Bank really delivers as a Packaged Home Loan. Add in some competitive variable rates starting at 2.34% p.a. (2.75% p.a. comparison rate*) and this could be an attractive option for borrowers looking for a home loan deal with all the trimmings. Heritage also has a $4,000 and $3,000 cashback offer for their home loans for eligible borrowers who apply by 31 May 2022 and settle by 31 July 2022.



key icon
Key features

This package deal from Heritage Bank offers variable rates starting from 2.34% p.a. (2.75% p.a. comparison rate*) for owner occupiers with an LVR below 70% on loan amounts of $700,000 or more. There are a whole variety of rates on offer for both owner occupiers and investors though, but these depend on the amount being borrowed and the LVR of the borrower. 

Aside from the rates, 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, and free extra repayments 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 Bank will allow you to make free redraws.

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.

You could also get a cashback offer of $4,000 or $3,000 on a Heritage home loan for applications made by 31 May 2022 and settle by 31 July 2022.. (T&Cs apply)


snapshot
Who is it good for

If you’re an owner occupier or investor looking for a packaged loan option with relatively competitive rates and the additional advantage of a 100% offset account, then this could be a deal worth looking into.

question icon
Any catches

On top of the annual fee that comes with the loan, you’ll also be charged a $150 settlement fee and a $300 discharge fee.

Details

Rates and fees information correct as at 17 May 2022. 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

2.39% p.a.

n/a

n/a

n/a

2.80% 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

n/a

$350.00 yearly

$300.00

Other financial bits

$150,000

$249,999

none

70.00%

Features

Owner Occupier

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$0.00

yes

yes

none

none

Receive $4,000 cashback on eligible home loans over $700k for LVRs <80% for refinances, or new purchases with LMI. $3,000 cashback for loans between $500k and <$700k. Applications made before 31 May 2022, settled by 31 July 2022.

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 17 May 2022. 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

2.34% p.a.

n/a

n/a

n/a

2.75% 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

n/a

$350.00 yearly

$300.00

Other financial bits

$250,000

$699,999

none

70.00%

Features

Owner Occupier

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$0.00

yes

yes

none

none

Receive $4,000 cashback on eligible home loans over $700k for LVRs <80% for refinances, or new purchases with LMI. $3,000 cashback for loans between $500k and <$700k. Applications made before 31 May 2022, settled by 31 July 2022.

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 17 May 2022. 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

2.24% p.a.

n/a

n/a

n/a

2.65% 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

n/a

$350.00 yearly

$300.00

Other financial bits

$700,000

none

none

70.00%

Features

Owner Occupier

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$0.00

yes

yes

none

none

Receive $4,000 cashback on eligible home loans over $700k for LVRs <80% for refinances, or new purchases with LMI. $3,000 cashback for loans between $500k and <$700k. Applications made before 31 May 2022, settled by 31 July 2022.

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 17 May 2022. 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

2.44% p.a.

n/a

n/a

n/a

2.85% 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

n/a

$350.00 yearly

$300.00

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

none

Receive $4,000 cashback on eligible home loans over $700k for LVRs <80% for refinances, or new purchases with LMI. $3,000 cashback for loans between $500k and <$700k. Applications made before 31 May 2022, settled by 31 July 2022.

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 17 May 2022. 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

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

Fees

$0.00

$0.00

$0.00

$150.00

n/a

$350.00 yearly

$300.00

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

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 17 May 2022. 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

2.49% p.a.

n/a

n/a

n/a

2.90% 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

n/a

$350.00 yearly

$300.00

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

none

Receive $4,000 cashback on eligible home loans over $700k for LVRs <80% for refinances, or new purchases with LMI. $3,000 cashback for loans between $500k and <$700k. Applications made before 31 May 2022, settled by 31 July 2022.

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 17 May 2022. 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

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

Fees

$0.00

$0.00

$0.00

$150.00

n/a

$350.00 yearly

$300.00

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

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 17 May 2022. 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

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

Fees

$0.00

$0.00

$0.00

$150.00

n/a

$350.00 yearly

$300.00

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

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 17 May 2022. 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

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

Fees

$0.00

$0.00

$0.00

$150.00

n/a

$350.00 yearly

$300.00

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

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 17 May 2022. 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

2.34% p.a.

n/a

n/a

n/a

2.75% 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

n/a

$350.00 yearly

$300.00

Other financial bits

$700,000

none

70.00%

80.00%

Features

Owner Occupier

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$0.00

yes

yes

none

none

Receive $4,000 cashback on eligible home loans over $700k for LVRs <80% for refinances, or new purchases with LMI. $3,000 cashback for loans between $500k and <$700k. Applications made before 31 May 2022, settled by 31 July 2022.

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 17 May 2022. 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

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

Fees

$0.00

$0.00

$0.00

$150.00

n/a

$350.00 yearly

$300.00

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

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 17 May 2022. 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

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

Fees

$0.00

$0.00

$0.00

$150.00

n/a

$350.00 yearly

$300.00

Other financial bits

$150,000

$249,999

none

70.00%

Features

Investor

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$0.00

yes

yes

none

none

Receive $4,000 cashback on eligible home loans over $700k for LVRs <80% for refinances, or new purchases with LMI. $3,000 cashback for loans between $500k and <$700k. Applications made before 31 May 2022, settled by 31 July 2022.

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 17 May 2022. 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

2.94% p.a.

n/a

n/a

n/a

3.33% 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

n/a

$350.00 yearly

$300.00

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

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 17 May 2022. 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

2.54% p.a.

n/a

n/a

n/a

2.94% 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

n/a

$350.00 yearly

$300.00

Other financial bits

$250,000

$699,999

none

70.00%

Features

Investor

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$0.00

yes

yes

none

none

Receive $4,000 cashback on eligible home loans over $700k for LVRs <80% for refinances, or new purchases with LMI. $3,000 cashback for loans between $500k and <$700k. Applications made before 31 May 2022, settled by 31 July 2022.

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 17 May 2022. 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

2.44% p.a.

n/a

n/a

n/a

2.85% 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

n/a

$350.00 yearly

$300.00

Other financial bits

$700,000

none

none

70.00%

Features

Investor

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$0.00

yes

yes

none

none

Receive $4,000 cashback on eligible home loans over $700k for LVRs <80% for refinances, or new purchases with LMI. $3,000 cashback for loans between $500k and <$700k. Applications made before 31 May 2022, settled by 31 July 2022.

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 17 May 2022. 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

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

Fees

$0.00

$0.00

$0.00

$150.00

n/a

$350.00 yearly

$300.00

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

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 17 May 2022. 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

3.04% p.a.

n/a

n/a

n/a

3.43% 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

n/a

$350.00 yearly

$300.00

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

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 17 May 2022. 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

2.79% p.a.

n/a

n/a

n/a

3.14% 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

n/a

$350.00 yearly

$300.00

Other financial bits

$150,000

$249,999

none

70.00%

Features

Investor

Interest Only

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$0.00

yes

yes

none

none

Receive $4,000 cashback on eligible home loans over $700k for LVRs <80% for refinances, or new purchases with LMI. $3,000 cashback for loans between $500k and <$700k. Applications made before 31 May 2022, settled by 31 July 2022.

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 17 May 2022. 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

2.54% p.a.

n/a

n/a

n/a

2.94% 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

n/a

$350.00 yearly

$300.00

Other financial bits

$700,000

none

70.00%

80.00%

Features

Investor

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$0.00

yes

yes

none

none

Receive $4,000 cashback on eligible home loans over $700k for LVRs <80% for refinances, or new purchases with LMI. $3,000 cashback for loans between $500k and <$700k. Applications made before 31 May 2022, settled by 31 July 2022.

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 17 May 2022. 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

2.64% p.a.

n/a

n/a

n/a

3.04% 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

n/a

$350.00 yearly

$300.00

Other financial bits

$250,000

$699,999

70.00%

80.00%

Features

Investor

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$0.00

yes

yes

none

none

Receive $4,000 cashback on eligible home loans over $700k for LVRs <80% for refinances, or new purchases with LMI. $3,000 cashback for loans between $500k and <$700k. Applications made before 31 May 2022, settled by 31 July 2022.

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 17 May 2022. 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

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

Fees

$0.00

$0.00

$0.00

$150.00

n/a

$350.00 yearly

$300.00

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

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 17 May 2022. 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

2.74% 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

Fees

$0.00

$0.00

$0.00

$150.00

n/a

$350.00 yearly

$300.00

Other financial bits

$250,000

$699,999

none

70.00%

Features

Investor

Interest Only

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$0.00

yes

yes

none

none

Receive $4,000 cashback on eligible home loans over $700k for LVRs <80% for refinances, or new purchases with LMI. $3,000 cashback for loans between $500k and <$700k. Applications made before 31 May 2022, settled by 31 July 2022.

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 17 May 2022. 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

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

Fees

$0.00

$0.00

$0.00

$150.00

n/a

$350.00 yearly

$300.00

Other financial bits

$150,000

$249,999

70.00%

80.00%

Features

Investor

Principal & Interest

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$0.00

yes

yes

none

none

Receive $4,000 cashback on eligible home loans over $700k for LVRs <80% for refinances, or new purchases with LMI. $3,000 cashback for loans between $500k and <$700k. Applications made before 31 May 2022, settled by 31 July 2022.

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 17 May 2022. 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

2.64% 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

Fees

$0.00

$0.00

$0.00

$150.00

n/a

$350.00 yearly

$300.00

Other financial bits

$700,000

none

none

70.00%

Features

Investor

Interest Only

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$0.00

yes

yes

none

none

Receive $4,000 cashback on eligible home loans over $700k for LVRs <80% for refinances, or new purchases with LMI. $3,000 cashback for loans between $500k and <$700k. Applications made before 31 May 2022, settled by 31 July 2022.

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 17 May 2022. 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

2.89% 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

Fees

$0.00

$0.00

$0.00

$150.00

n/a

$350.00 yearly

$300.00

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

none

Receive $4,000 cashback on eligible home loans over $700k for LVRs <80% for refinances, or new purchases with LMI. $3,000 cashback for loans between $500k and <$700k. Applications made before 31 May 2022, settled by 31 July 2022.

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 17 May 2022. 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

3.14% p.a.

n/a

n/a

n/a

3.49% 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

n/a

$350.00 yearly

$300.00

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

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 17 May 2022. 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

3.04% p.a.

n/a

n/a

n/a

3.39% 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

n/a

$350.00 yearly

$300.00

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

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 17 May 2022. 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

2.74% 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

Fees

$0.00

$0.00

$0.00

$150.00

n/a

$350.00 yearly

$300.00

Other financial bits

$700,000

none

70.00%

80.00%

Features

Investor

Interest Only

Weekly, Fortnightly, Monthly

yes - free

no

yes - free

$0.00

yes

yes

none

none

Receive $4,000 cashback on eligible home loans over $700k for LVRs <80% for refinances, or new purchases with LMI. $3,000 cashback for loans between $500k and <$700k. Applications made before 31 May 2022, settled by 31 July 2022.

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 17 May 2022. 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

3.14% p.a.

n/a

n/a

n/a

3.49% 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

n/a

$350.00 yearly

$300.00

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

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 17 May 2022. 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

2.84% 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

Fees

$0.00

$0.00

$0.00

$150.00

n/a

$350.00 yearly

$300.00

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

none

Receive $4,000 cashback on eligible home loans over $700k for LVRs <80% for refinances, or new purchases with LMI. $3,000 cashback for loans between $500k and <$700k. Applications made before 31 May 2022, settled by 31 July 2022.

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
Price
Features
Customer service
Convenience
Trust

Latest reviews of Heritage Bank Variable Rate Loan (Home Advantage) Home Loan

About Heritage Bank

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.