Living Equity Line of Credit

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


  • Can be used for large transactions or as a general line of credit
  • Available with a Home Advantage Package
  • Funds access via Visa Debit card and/or cheque book
  • Interest only option available
  • Repayments are calculated monthly. You are able to make payments as frequently as you want within each month to pay the monthly amount due.
  • Loans from $20,000 to $500,000
Loan fees

Application Fee  $600
Monthly Fee $10
Settlement Fee $150
Loan Finalisation Fee $300
Other fees

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
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