Help & Guidance

Feeling confident about your finances comes with having the right support on your side.

  • Choose a topic
  • Help with my account
  • Saving and Budgeting
  • Buying a Car
  • Buying a Home
  • Home Renovation
  • Travelling
  • Investing
  • Kids and Teens
  • Retirement
  • Business
  • Security and Scam
Saving and Budgeting
Putting money away into a pig bank
How to save more money
Save more money, reach your goals sooner and feel more in control of your finances with our online guide.
10 top budgeting tips
Budgeting effectively is a great way to help improve you financial position. Check out this handy infographic for 10 of the best budgeting tips. 
Manage your debt effectively
When it comes to managing you’re your debt effectively you are not alone. Whether you’re a current Heritage customer, or looking for change, our specialist lenders and financial planners are here to help.
Buying a Car
How much can I borrow to buy a car?
How much money you can borrow to buy a car depends on a number of things. Here's a list to consider before applying for a car loan.
Happy with new car purchase
Drive away from the car yard with confidence
A new car is probably going to be your initial most expensive purchase prior to a home so it’s necessary to consider all the details and all your options.
Buying a Home
What is LVR?
Learn more about Loan to Value Ratio (LVR), how it’s calculated and what effect it can have on your mortgage.
How much money can I borrow?
How much money you can borrow will depend on a number of things. Here's four to consider.
Home Renovation
Home renovations
How to finance a renovation
Here's a list of options for you to consider when it comes to financing a renovation.
How to renovate a bathroom on a budget
Renovating a bathroom can be a big outlay of money. Here's some tips for renovating a bathroom on a budget.
7 ways to save for your next holiday
Saving up for a well deserved holiday can take time. Read our list of the seven small changes you can make to your everyday spending to get away sooner.
Family excited about new home
5 property investment strategies
When investing in property you need to be clear with yourself on how you intend to make money from the investment. Here's 5 popular strategies.
Kids and Teens
Friends at cafe
Explaining credit to teenagers
Understanding credit is an important life skill. Explaining credit to teenagers is important and reading our list of recommendations can help.
How to choose a financial planner
Financial planners can help you put thought into action when it comes to your financial goals. Here's a three-step guide for choosing a financial planner.
Happy couple on front porch
How to help parents downsize
Helping a parent to downsize from the family home is an emotion-charged experience. Psychologist Ellen Jackson shares four tips to help make the process easier.
Retail Small Business Owner
Small business pricing strategy: getting the most from what you do
We’ve rounded up four simple pricing strategies to help get you started with your own business.
How to choose a business structure
Starting a business involves a number of steps. To start with, you will need to decide on a business structure.
Security and Scam
Woman working on laptop
Tips to avoid identity theft
Identity theft is a type of fraud that involves the theft of your personal information, here's tips on how to avoid becoming a victim.
How to keep your password and PIN more secure
Keeping your password and PIN secure isn’t rocket science.