Investment in Property | Investment Home Loans | Heritage Bank

Investing in property

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Investing in property can come with both long and short-term benefits, depending on both your strategy and the property market you buy in. When you choose a property investment loan through Heritage, you'll get access to a range of great features including: 
  • Interest only options for investors, for up to 5 years
  • Flexible repayment options, including unlimited extra repayments on fixed and variable loans
  • Split Loans

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By paying $loanFrequency_lyname instead of monthly, you could save $heritageRepayments_totalSaved & $heritageRepayments_yearsSaved over the life of your loan.

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Indicative repayment amount only. Your credit contract will state a monthly repayment figure. You may make payments as frequently as you choose within each month to pay the monthly amount due.

Home loan application checklist

Speed up and simplify your home loan application with this checklist, which covers identification, income, living expenses and other requirements you will need.

Customer-Owned Banking you can bank on.

Established in 1875, and with more than $11 billion in assets, Heritage is one of Australia's largest Customer Owned Banks.

Heritage Bank chosen as Money magazine's Customer-Owned Money Minder of the Year 2021

2021 Customer Owned Money Minder of the Year

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

Learn about this award.

Seeking pre-approval

Heritage offers a formal pre-approval process to help give you some peace of mind when you’re wanting to make an offer on a property. Enquire online, visit your local branch or phone 13 14 22 to find out if you qualify for a pre-approval.

Our Home Loans

Choose a specific loan type below to learn more about available interest rates, loan features and fees.

Compare all Heritage Home Loans

If you'd like to compare the features and benefits of all the home loans we have on offer, visit compare all home loans.

Buying land and build loans

If you’re looking to purchase vacant land or build a new home rather than purchase an established property, we have options that may be suitable.

Construction Loans are different from a regular home loan because the funds are paid gradually to your builder as progress payments. While your property is getting built, your repayments are set as interest only to help you manage your budget.

Simply let us know of your plans to build when you apply for a home loan and we'll help you through the process.

Learn more about investing in property

Making money generally comes two ways – via working and investing. While some investments may be more suited to you than others, it’s important to consider how a diverse investment portfolio can increase your ability to make money, and decrease risk factors.

If you're thinking about investing property, there are a number of things to consider such as talking to a professional, your equity or deposit and the cost of managing a property. We've put together some tips in our Investing in Property Help & Guidance Hub to help you get started.