Home Advantage Package

Package your standard variable, fixed rate or line of credit home loan together with a credit card, and save with discounts on interest rates and fee waivers.

Features

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

  • Competitive package benefits
  • Discounts on Standard Variable rate home loan 
    Pay $0 home loan application fee 
    Pay $0 annual credit card fee
    Discounts on insurance  

  • Low fees 
  • Competitive $350 annual package fee 
    Pay no monthly fees on your packaged home lending

  • Flexibility 
  • 100% offset account available on variable loans
    Make unlimited additional repayments without penalty

More features

  • People first service and commitment to our customer-owned values
  • Access your additional repayments made in advance via online redraw 
  • Ability to use payments in advance towards your loan instalments
  • Repayments are calculated monthly. However, you can make payments as frequently as you choose within each month to pay the monthly amount due
  • Interest Only options for investors, for terms up to 5 years
  • Family Guarantee options available

Customer Owned Money Minder of the Year 2021.

The results are in! We are Money Magazine's Customer-Owned Money Minder of the Year 2021.

Featured rates

2 Year Fixed Rate in Package
2.19 % PA 3.09 % PA
New 2-Year Fixed Owner Occupied (Principal & Interest) Package loans of $150,000+ up to 90% LVR1.
Comparison Rate* See Comparison Rate warning
Standard Variable in Home Advantage Package
2.54 % PA 2.94 % PA
New Owner Occupied (Principal & Interest) Loans in Package of $700,000+ with 70% to 80% LVR
Comparison Rate* See Comparison Rate warning
Annual fee

Annual package fee

$350
Payable annually on your loan anniversary date from your nominated Credit Card account


Switch your insurance to Heritage and deal with the people you know

Take out a new Home and Contents or Landlord insurance policy through Heritage Bank by 30 September 2021, and you could be in 1 of 8 weekly draws to win back your first year's insurance premium. Competition open to Queensland and New South Wales residents only. Conditions apply.

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