Home Advantage Package

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

We're waiving the first year's Annual Package Fee for Variable and Fixed Rate Home Loan Packages for applications received between 10 October and 15 December 2023, and settled by 29 February 2024.

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.

Our Home Advantage Package options


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

Waived in the first year for applications submitted between 10/10/23 and 15/12/23, and settled by 29/2/24

Other fees

Home loan application fee $0
Monthly administration fee $0
Annual credit card fee $0
Redraw - online and by form $0
Other fees and charges may apply and will be outlined in the Credit Contract.
Research tools
Home loan repayment calculator
How much can I borrow?
Home loan refinancing calculator
The home loan application process
Buying your first home guide
Investing in property
Get a personalised Key Fact Sheet
Interest rates for new home loans (PDF)
Interest rates for loan switches, refixes and products withdrawn from sale (PDF)

We're here to help

Our Lending Specialists are here to support you through every step of your home buying journey.

If you have a question about our home loans, tap here to get in touch with us in the way that suits you.