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
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
- People First service from your own dedicated lending specialist
- Unlimited extra repayments without penalty
- Unlimited redraw facility
- Online redraw available for eligible home and personal loans
- Repayments are calculated monthly. You are able to make payments as frequently as you choose within each month to pay the monthly amount due.
- Valuation fee covered up to $330 (Applies to the first security property only, and where the valuation costs exceed $330, the difference is to be borne by the borrower)
- Family Guarantee available (For owner occupied loans only)
- Construction loan available
- Interest only option for a maximum of 5 years (For Investment Loans Only)
- Ability to use payments in advance towards your loan instalments
- Discounts are available for the Standard Variable under the Home Advantage package
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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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