Low Rate Secured Personal Loan

A low-cost personal loan option that allows you to keep your term deposit invested, while still buying what you want. 


  • Low variable rate of interest on your loan
  • The loan is secured against a Heritage term deposit. For example, a $10,000 term deposit with Heritage can be used as security for a low interest rate $10,000 personal loan
  • Continue to earn interest on your Heritage term deposit 
  • Monthly fee applies
  • Choose a term from 1 to 10 years
  • Minimum loan amount $5,000
  • Maximum loan amount $100,000
  • Ability to redraw additional repayment
  • Online redraw available for eligible personal loans
  • Repay weekly, fortnightly or monthly

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.

Interest Rate Comparison Rate
Low Rate Secured Loan
Interest Rate
Comparison Rate
Rates Effective From 21/12/2018
Personal Loan Calculator

Our personal loan calculator helps you estimate your personal loan repayments, whether it be for a holiday, wedding, debt consolidation or renovations.

Income and Life Insurance
Be ready for whatever happens in life by taking simple steps to cover you and your family. 

 Application Fee $200
 Monthly Fee $5
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