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 repayments
  • Interest only option for a maximum of 5 years (For Investment Loans Only)
Standard Variable rates from
4.84 % PA 4.99 % PA
Comparison Rate
Why Choose a Package?
3.47 % PA 3.85 % PA
Comparison Rate
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. 

Application Fee $600
Monthly Fee $8
Online Redraw (on eligible loan accounts) $0
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