Living Equity Line of Credit

If you need a line of credit, you could consider using the equity you hold in your home as an asset.


  • Can be used for additional borrowing power, or as a general line of credit
  • Available with a Home Advantage Package
  • Redraw facility
  • Interest only option available
  • Repayments are calculated monthly. You are able to make payments as frequently as you choose within each month to pay the monthly amount due.
  • Ability to use payments in advance towards your loan instalments
  • Minimum Loan Amount - $20,000
  • Maximum Loan Amount - $500,000

Application Fee   $600
Monthly Fee    $10
Transaction Type  Monthly Fee Free Zone Fee Per Excess Transaction
Heritage Online Banking  Unlimited Free
 Heritage Access Line Phone Banking Unlimited Free
 SMS Account Enquiries Unlimited Free
Direct Credits   Unlimited Free
Direct Debits Unlimited Free
Cheque Deposits Unlimited Free
Counter Cash Deposits  Unlimited Free
Counter Cash Withdrawals, Transfers and BPAY Unlimited Free
Presented Cheques Unlimited Free
Presented Cheques Unlimited Free
Heritage ATM Withdrawals, Transfers and Balance Enquiries   Unlimited Free
Bank@Post Deposits Unlimited $3.00
Bank@Post Balance Enquiries  0 $3.00
 EFTPOS 10 $0.50
 Non-Heritage Counter Withdrawals (Visa) 0 $2.50 
 Overseas ATM or Counter Withdrawals (Visa) 0 $5.00 plus 3% overseas currency conversion fee 
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