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
Standard Variable Rate Home Loan
Heritage's Standard Variable Rate Home Loan can be a great option if you're wanting to make extra repayments.
Loan Features
- People First service from your own dedicated lending specialist
- Available in a Home Advantage Package
- Unlimited extra repayments
- Unlimited redraw facility
- Online redraw available for eligible home and personal loans
- Minimum loan amount $20,000
- Repayments are calculated monthly. You are able to make payments as frequently as you want 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)
- Ability to use payments in advance towards your loan instalments
- Interest only option for a maximum of 5 years (For Investment Loans Only)
Rates
Home Advantage Package Standard Variable rate
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Comparison Rate^
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The rates shown are for owner occupier principal and interest loans only over $700,000 with loan value ratio (LVR) less than or equal to 80%.
Fees
| Application Fee | $600 |
| Monthly Fee | $8 |
| Online Redraw (on eligible loan accounts) | $0 |
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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