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 want 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

Bank Of The Year for Customer Satisfaction

Heritage has been awarded Roy Morgan's 2018 Bank Of The Year for Customer Satisfaction. Just another way we're putting People first.

2018 Roy Morgan Bank of the Year for Customer Satisfaction

Heritage is proud to be awarded 2018 Bank of the Year for Customer Satisfaction and we want to share the love! 

If you'd like to switch to a bank with award winning customer service, we're here to help you through the process and beyond.

Switch today


Application Fee  $600
Monthly Fee  $10

Transaction Type 

Fee Per Transaction

Direct credits and debits Free
Visa debit and Visa payWave Free
Bank@Post Transactions Free
Counter cash deposits, withdrawals, transfers and BPAY® Free
Heritage ATM withdrawals, transfers and balance enquiries Free
Cheque deposits Free
Presented cheques 
Overseas ATM or counter withdrawals (Visa)  $5.00 plus overseas currency conversion fee
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