- Option to roll all of your home loan, credit card and transaction accounts into one
- One low annual fee covering all products linked to the package
- A Heritage Visa card with no annual fee
- Heritage transaction account with free Heritage transactions and generous fee-free zones on other transaction types
- Discounts on insurances arranged through Heritage
Home Loan
- No application fee1
- Option to make additional or lump sum repayments without penalty
- Unrestricted reborrow facility
- Minimum combined loan amount $150,000
- No application fees on further advances or Living Equity line of credit limit increases
- Package may include unlimited multiple loans
- Valuation fee on first security paid by Heritage up to maximum $3302
- Mortgage Crusher 100% offset account available on variable loan
- Partial offset account available on fixed rate home loans
- Rate Guarantee available on fixed rate home loans
Personal Loan
- $0 application fee on Heritage Personal Loans for package members (excluding Low Rate Secured Loan)
Visa Credit Card
- No annual fee
- 12 month introductory interest rate
Transaction Account
The following benefits apply:
- Free internet and telephone banking
- Free SMS Account Enquiries
- Free Heritage ATM withdrawals, transfers and balance enquiries
- Access to over 2,900 Network ATMs nationwide
- Transact through Bank@Post - download information sheet (PDF, 191KB)
Insurances
Up to 5% off the base premium for most insurance.
1A deferred loan set up fee may apply if the loan is repaid within the first three years from date of funding.
2 Where a valuation is required and only one property is offered as security Heritage will pay for the valuation. If two or more securities are involved, or valuation costs exceed $330 (inclusive of GST), the difference is to be borne by the borrower.
To approved applicants only. Fees, charges and conditions apply. Please read the Guide to Heritage Deposit Products (available in branch, by phoning 13 14 22 or here) and consider whether this product is right for you.