Discount Variable Rate Home Loan

Our Discount Variable Rate Home Loan is our lowest rate home loan. Enjoy no monthly administration fees, and the ability to make extra repayments.


  • People first service from your own dedicated lending specialist
  • Unlimited extra repayments
  • 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 want within each month to pay the monthly amount due
  • Ability to use payments in advance towards your loan instalments
  • Construction loan available
  • Family Guarantee available (For Owner Occupied loans only)
  • Minimum new loan amount $150,000
  • Interest only option for a maximum of 5 years (For Investment Loans Only)
  • 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)

Customer Satisfaction

It's a promise.

Heritage has won Mozo's 2018 People's Choice award for Outstanding Customer Satisfaction. Just another way we're putting People first.


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