Home Advantage Package

Package your Standard Variable, Standard Fixed or Line of Credit home loan together with a credit card, and save with discounts on interest rates and fee waivers.

Why choose our Home Advantage Package?


Competitive package benefits

Save with no application fees, no monthly fees and interest rate discounts. Pay one easy annual fee of $350.


Bundle your banking

Experience the ease of having your home loan, credit card and accounts bundled with Heritage



100% offset on Standard Variable loans and unlimited additional repayments


Package Features

By bundling your eligible home loan and credit card account you could enjoy the benefits of our Home Advantage Package. These benefits include: 

  • Discount on Standard Variable interest rate 
  • No monthly fees on your packaged home lending 
  • $0 home loan application fee^ 
  • $0 annual credit card fee^
  • Available on loans of $150,000 or more 
  • Available on Owner Occupied and Investment loans 

Annual Package Fee

Payable annually on your loan anniversary date from your nominated Heritage credit card account.

Annual fee

Featured products

Your interest rate may vary based on your Loan to Value Ratio (LVR), loan purpose and loan amount. Our Home Loan Interest Rates for New Lending (PDF) details our interest rate tiers or you can use our Home Loan Calculator to estimate your repayments.

Fixed Home Loan Rates From
3.99 % PA 3.15 % PA
New 2 Year Fixed Rate Owner Occupied (Principal & Interest) loans in Package of $150,000+ up to 95% LVR.
Comparison Rate*
  • Fix your loan for 1, 2, 3 or 5 years
  • No offset account
  • $0 monthly fee and $0 application fee when in Package^
Standard Variable in Package
2.34 % PA 2.75 % PA
New Owner Occupied Principal & Interest Loans in Package of $700,000+ up to 80% LVR
Comparison Rate*
  • Discount on Standard Variable interest rate
  • 100% offset account
  • $0 monthly fee and $0 application fee when in Package^ 
Line of Credit in Package
4.30 % PA
New Owner Occupied Interest Only loans in Package of $700,000+ up to 80% LVR
  • Revolving form of credit that can be drawn upon at any time, up to approved credit limit
  • Interest-only repayments for up to 10 years
  • $0 monthly fee and $0 application fee when in Package^

Up to $4,000 cashbackon eligible home loans


For loans refinanced to Heritage with ≤80% LVR OR new loans with LMI.

For owner occupied and investment home loans.

Paid into your Heritage transaction account.

ⓘ Apply by 31 May and settle by 31 July 2022. T&C's apply. Click for full T&C's and FAQ's.
Research tools
Home Loan repayment calculator
Borrowing power calculator
Home Loan refinancing calculator
The home loan application process
Buying your first home guide
Investing in property
Interest rates for new home loans (PDF)
Interest rates for loan switches, refixes and products withdrawn from sale (PDF)
Get a personalised Key Fact Sheet

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