What is LVR?
Learn more about Loan to Value Ratio (LVR), how it’s calculated and what effect it can have on your mortgage.
Learn more
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.
Rates
Fees
| 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 |