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
Variable Rate Home Loans
Heritage offers variable rate home loans with competitive interest rates and lots of great features.
Variable rates
Home Loan - Discount Variable Rate
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Comparison Rate
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Loans from $150,000 and no monthly administration fee
Home Advantage Package Standard Variable rate
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Comparison Rate
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This rate is for new owner occupied, principal & interest loans over $700,000 with LVR ≤ 80%.
Why Choose a Package?
Package your standard variable, fixed rate or living equity loan together with a credit card, and save with discounts on interest rates and fee waivers.
Standard Variable Rate
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Comparison Rate
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Loans from $20,000. Available in a Home Advantage Package.
Features
- Flexible access options Make unlimited additional repayments without penalty
- People first service Receive your own dedicated lending specialist
- Family Guarantee available for owner occupier loans
- First valuation fee covered up to $330#
- Interest only repayment option for investors Available for investment loans, for up to 5 years
- Build loans available
Access your additional repayments made in advance via online redraw
What is a Variable Rate Home Loan?
A variable rate loan means the interest you pay can go up and down in response to changes in interest rates.
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How much money can I borrow?
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How to finance a renovation
Here's a list of options for you to consider when it comes to financing a renovation.
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We are here to help
Our specialists will help you find the right product and support you through every step of the purchase.
Or call 13 14 22 to speak to an expert