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Trust Heritage to cover the most valuable things in your life with an extensive range of insurance products to give you priceless peace of mind.

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Offset Accounts

Offset Accounts

Pay off your home sooner and save money at the same time.

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Home Loan & Mortgages Perth

If you have Payments in Advance on your personal loan or home loan, you can ask Heritage to capitalise them. This means we will recalculate your repayments required to pay out the loan over the remainder of the term, as if you had no Payments in Advance.

If your Payments in Advance are capitalised, Heritage will recalculate your repayments and tell you the new amount, but not change how long it will take to pay out your loan. You will no longer be able to reborrow the Payments in Advance, or use them towards your repayments.

For full details, please refer to your Lending Terms and Conditions booklet.

To apply, please download the application form.

* No Home Loan Application Fee promotion March - April 2014

  1. The person conducting this promotion is Heritage Bank Limited ABN 32 087 652 024 (Heritage), AFSL and Australian Credit Licence 240984.
  2. The promotion is open to new customers and existing customers opening an eligible new home loan with Heritage.
    1. Eligible ‘new home loans’ included:
      1. Standard variable
      2. Basic variable
      3. Discount variable
      4. Bridging loans
      5. Fixed rate loans
      6. Build loans
      7. Living Equity (line of credit)
      8. Professional Package, variable, fixed and line of credit
      9. New Professional Package loans, with at least ONE new loan opened
      10. Alliance loans
      11. API Alliance line of credit loans (all other API Alliance loans already have the application fee waived)
  3. To be eligible for $0 application fee, a customer must apply for a new Heritage home loan between 1 March – 30 April 2014, with the loan to be disbursed by 31 July 2014.
  4. If the customer opens a Professional Package, the annual fee will be waived for the first 12 months.
  5. Promotion is only available for new home loan applications and excludes:
    1. Business and commercial loans
    2. Equity loans
    3. Further advances (including further advance to build)
    4. Switching
    5. Split loan applications on existing Heritage Bank home loans
    6. Internal refinances
    7. Borrowing for alterations and additions