Line of Credit

If your looking for a revolving form of credit, you could consider using the equity you hold in your home as collateral with our Living Equity line of credit loan.

4.86 % PA
Owner Occupied Interest Only Rate About this rate Apply now
% PA


  • Access the equity in your home for a large purchase or as a revolving form of credit
  • Loans from $20,000 to $500,000
  • Interest only repayments available for up to 10 years
  • Total loan term up to 30 years
  • Available funds can be drawn on at any time, up to your approved credit limit
  • Access by Heritage Online, our Mobile Banking App, a Visa Debit Card or chequebook.
  • Repayments are calculated monthly. You are able to make payments as frequently as you want within each month to pay the monthly amount due.


Application Fee  $600
Monthly Fee $10
Settlement Fee $150
Loan Finalisation Fee $300
Other fees and charges may apply and will be outlined in your Credit Contract.
Option to package your Line of Credit

Option to choose our Home Advantage Package

When you apply for a Line of Credit you have the option to package your loan and eligible credit card into our Home Advantage Package.

Our Home Advantage Package can help you save with discounts on interest rates and fee waivers.¹

Line of Credit in Home Advantage Package
4.30 % PA
New Owner Occupied Interest Only loans in Package of $700,000+ up to 80% LVR
Transaction fees

A line of credit facility is a revolving form of credit secured against your property. This means you can draw on the funds within your approved available limit at any time. You can make transactions online, using a Visa Debit Card or with a chequebook (available on request). 

Transaction Type 

Fee Per Transaction

Direct credits and debits Free
EFTPOS, Visa debit and Visa payWave
Counter cash deposits, withdrawals, transfers and BPAY® Free
Heritage ATM withdrawals, transfers and balance enquiries Free
Cheque deposits and presented cheques Free
Bank@Post Transactions Free
Overseas ATM or counter withdrawals (Visa)  $5.00 plus overseas currency conversion fee
Service fees may apply and are detailed in our Fees and Limits Guide.
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Interest rates for loan switches, refixes and products withdrawn from sale (PDF)
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