How much money can I borrow for a home loan?
How much money you can borrow will depend on a number of things. Here's four to consider.
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3 Year Fixed Home Loan Rate
Our competitive 3 Year Fixed Rate Home Loan allows you to lock in an interest rate for a 3 year period so you know what your mortgage repayments will be. Choose our Home Advantage Package to save.
Rates
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New 3-Year Fixed Owner Occupied (Principal & Interest) Loans of $20,000+ up to 90% LVR1
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Comparison Rate* See Comparison Rate warning
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| 3 Year Fixed Rate in Package | |
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New 3-Year Fixed Owner Occupied (Principal & Interest) loans in Package of $150,000+ up to 90% LVR1. Package criteria applies.
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Comparison Rate* See Comparison Rate warning
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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
- Package your eligible home loan and credit card Choose our Home Advantage Package to receive competitive package benefits
- People first service People first service and commitment to our customer-owned values
Certainty of repayments to confidently budget your expenses
Access your additional repayments made in advance via online redraw
More features
- Fixed loans from $20,000
- 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
Fees
| Application Fee | $600 |
| Monthly Fee | $8 |
| Online Redraw (on eligible loan accounts) | $0 |
| Settlement Fee | $150 |
| Loan Finalisation Fee | $300 |
These articles may help you
Refer a Friend
Refer a friend, family member or colleague to Heritage Bank for a Home Loan or Business Loan and you could get $250 each!*
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The home loan application process
Find out what's involved in the home loan application process with this handy, 4 step infographic.
We are here to help
Our specialists will help you find the right product and support you through every step of your Home Loan purchase.
Or call 13 14 22 to speak to an expert