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 repayments
- Interest only option for a maximum of 5 years (For Investment Loans Only)
Rates
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Why Choose a Package?
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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.
Fees
| Application Fee | $600 |
| Monthly Fee | $8 |
| Online Redraw (on eligible loan accounts) | $0 |
These articles may help you
What is a cooling-off period?
A standard contract for buying a home in Queensland comes with a five day cooling-off period. Here's what it means.
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How much money can I borrow?
How much money you can borrow will depend on a number of things. Here's four to consider.
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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 your Home Loan purchase.
Or call 13 14 22 to speak to an expert