What is LVR?
Learn more about Loan to Value Ratio (LVR), how it’s calculated and what effect it can have on your mortgage.
Learn more
20/01/2020: Heritage Online, mobile and phone banking will be unavailable, and some payments may be delayed, between Tuesday 21 January from 10:30pm until 2:30am Wednesday 22 January, due to scheduled maintenance. Online applications will also be unavailable during this time. Our Contact Centre will remain available 24/7.
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.
Features
- Certainty Lock in a competitive home loan rate for a fixed term
- Freedom Enjoy the freedom of being able to make unlimited additional repayments without penalty
- People first service Receive your own dedicated lending specialist
Certainty of repayments to confidently budget your expenses
Access your additional repayments made in advance via online redraw
- Fixed loans from $20,000
- Available with Home Advantage Package
- Ability to use repayments in advance towards your loan instalments
- Repayments calculated monthly. However, you can make payments as frequently as you choose within each month to pay the monthly amount due
- Interest only repayment option available for investment loans, for up to 5 years
- Family guarantee options available for owner occupier home loans
Rates
Home Advantage Package 3 year fixed rate
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Comparison Rate^
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This rate is for new, 3 year fixed, owner occupied principal & interest loans.
Fees
| Application Fee | $600 |
| Monthly Fee | $8 |
| Online Redraw (on eligible loan accounts) | $0 |
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How much money can I borrow?
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How to finance a renovation
Here's a list of options for you to consider when it comes to financing a renovation.
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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.
Or call 13 14 22 to speak to an expert