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Our Benefits

We aim to provide our staff with the best available lifestyle and flexibility initiatives. These initiatives support not only the staff members and their families, but also the communities where they live.

Heritage is award-winning in this area with Human Capital Magazine naming Heritage Bank the winner in the category of Best Employee Value Proposition for 2013 at the Australian HR Awards.

As a Heritage employee, you have access to the following benefits.

  • Heritage recognises the efforts of our staff through a number of awards including Employee of the Month, Employee of the Year and Team of the Year awards. These awards are a great way to acknowledge the contribution of individuals and teams towards achieving the Heritage vision, living the People first culture or demonstrating our values of Integrity, Excellence and Community.
  • The ‘Our People Conference’ is an annual leadership conference which brings together high performing staff. The one day conference is an opportunity for staff to interact with all levels of management while taking away motivational content. CEO Awards are also presented at this event.
  • Heritage has a 6 monthly structured performance review process and promotes regular feedback sessions with managers throughout the year.
  • An Employee Referral Program is in place, whereby members of staff can receive a $200 gift card for referring quality candidates to Heritage.
  • Heritage is lives its People first culture by recognising years of service to Heritage through our Service Awards. These benefits include gifts such as a watch, photo frame and monetary rewards depending on the milestone you have reached.

Winners of the Team of the Year Award for 2012, our Credit Advisory Team with Chairman Kerry Betros and CEO John Minz.

* 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.