Fixed Rate Home Loans

Our fixed rate home loans allow you to lock an interest rate in for 1, 2, 3 or 5 years so you know exactly what your repayments will be.

What is a Fixed Rate Loan?

By taking out a fixed interest loan you are able to safeguard yourself against changes in interest rates for a fixed period. A fixed rate can help you budget, as you will know exactly what your repayments will be, but you could miss out on any benefit from a decrease in interest rates within your fixed loan period.
Features

  • People First service from your own dedicated lending specialist
  • Unlimited extra repayments without penalty
  • Unlimited redraw facility
  • Repayments are calculated monthly. You are able to make payments as frequently as your choose within each month to pay the monthly amount due
  • Minimum loan amount $20,000
  • Valuation fee on the first security is paid by Heritage up to a maximum of $330
  • Family Guarantee available
  • Ability to use payments in advance towards your loan instalments
  • Construction loan available
  • Interest only option for a maximum or 5 years (For Investment Loans Only)
  • Available with a Home Advantage Package
  • 1, 2, 3, and 5 year terms available
 
Lending interest rates explained in under 5 minutes
Rates

Fixed Rate Home Loans from
3.79 % PA 4.22 % PA
Interest Rate
Comparison Rate
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What is LVR?
Fees

Application Fee $600
Monthly Fee  $8

Reborrow Fees

(Reborrowing administration fee on loan accounts where allowed)

 $20

Pay no application fee and save up to $600 on your home loan

Hurry, offer ends 31 May
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We are here to help

Our specialists will help you find the right product and support you through every step of the purchase.

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