Our Calculators

Home Loan Calculator

Our home loan repayments calculator helps you estimate the true cost of your mortgage, including stamp duty, rates, insurance, maintenance and more!

Car Loan Calculator

In the market for a new car? Our car loan calculator helps you estimate the true cost of owning a car. It takes into account stamp duty, insurance, maintenance and more!

Personal Loan Calculator

Our personal loan calculator helps you estimate your personal loan repayments - whether it be for a holiday, wedding, debt consolidation or renovations.

Child Care Expenses Calculator

Heading back to work and looking at childcare? Or already back and want to know what childcare is costing you? Our childcare calculator helps estimate your income after paying for childcare expenses.

Home Loan Calculators

Home Loan Calculator

Our home loan repayment calculator helps you to estimate the true cost of your mortgage. It includes stamp duty, insurance, maintenance and more!

Extra Repayments Calculator

Calculate how much you could be saving in interest or whether you can shorten your loan term by making additional repayments over and above your current monthly repayment.

Lump Sum Calculator

Calculate how much you can save in interest or whether you can shorten your loan term by making a one-off lump sum repayment on top of your current monthly repayment.

Split Loan Calculator

You may be able split your home loan into two or more portions and specify what percentage of your home loan is allocated to each loan product, usually a fixed portion and a variable portion. The portions are assessed together as a single total for approval and serviceability, but each part is treated as a separate loan for documentation purposes.

Loan Balance Calculator

Calculate how much of your payment is interest and how much is principal at different stages of your loan.

Loan Comparison Calculator

Compare different loans to get an idea of which loan is the right one for you.

Stamp Duty Calculator

Calculate how much stamp duty will be payable when you purchase a home.

Borrowing Power Calculator

Calculate an estimate of how much you may be able to borrow. Simply enter your income, expense and loan details.

Home Insurance Calculators

Project an estimate of the full replacement value of your home building and contents.

Building Replacement Value Calculator

Contents Replacement Value Calculator

Personal Loan Calculators

Personal Loan Calculator

Calculate your minimum repayments on your personal loan.

Car Loan Calculator

Calculate your minimum repayments and the true cost of owning your next car.

Credit Card Calculators

Credit Card Calculator

Calculate the minimum payment required on your credit card.

Balance Transfer Calculator

Use our Balance Transfer Calculator to work out how much you could save if you transferred your balance to Heritage.

Business Lending Calculators

Equipment Finance Calculator

Calculate your finance repayments.

Savings & Planning Calculators

Child Care Expenses Calculator

Heading back to work and looking at childcare? Or already back and want to know what childcare is costing you? Our childcare calculator helps estimate your income after paying for childcare expenses.

Savings Plan Simulator

Project how much you can accumulate over time from an initial contribution and regular ongoing deposits.

Term Deposit

Project your interest earnings from term deposits.

Budget Planner

Need help working out a budget? Try our Budget Planner. Enter your annual income and expenses to assess your financial position.

Income Tax Calculator

This calculator helps your work out how much income tax you will need to pay.

* Home loan comparison rate based on a $150,000 loan over 25 years.  Fixed loan comparison rate applies only for loans with an LVR of 80% or less and a loan amount of $150,000 to $249,999.  WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Interest rates are on a per annum basis. Rates are correct as stated and subject to change without notice. Rates shown are for new loans and do not apply to switches or internal refinances.

Home Advantage Variable rates include discounts shown from the Standard Variable rate. Home Advantage Living Equity rates include discounts from the Living Equity rate. Discounts are based on total lending in the package. Discount Variable LVR rates are for new lending and include discounts from the Discount Variable Loan Rate.  Discounts are not available in conjunction with any other interest rate discount or special offer. All fixed rates are fixed for the period stated and revert to the variable rate applying at expiration of the fixed term. To approved applicants only. Conditions, criteria and fees apply.

Loan to Value Ratio (LVR) is the loan amount divided by the value of your security property (determined by Heritage Bank at assessment), multiplied by 100. Owner Occupied loans have a maximum LVR of 95%, Investment loans have a maximum LVR of 80% and Living Equity has a maximum LVR of 80%. Heritage is not accepting any new investment applications until further notice.

This advice has been prepared without taking into account your objectives, financial situation or needs. Because of this you should, before acting on this information, consider its appropriateness having regard to your objectives, financial situation or needs.

Generate a personalised Key Fact Sheet based on your loan amount, term and repayments. This tool is provided to help you compare home loans from Heritage with other financial institutions.