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 rate of interest on your loan while still earning interest on your term deposit
  • 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
  • Monthly fee applies
  • Choose a term from one to ten years
  • Minimum loan amount $5,000
  • Maximum loan amount $100,000
  • Ability to redraw additional repayments online
  • Repay weekly, fortnightly or monthly
Interest Rate Comparison Rate
Low Rate Secured Loan
Interest Rate
Comparison Rate
Rates Effective From 01/04/2020
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.

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No medical or blood tests are required to apply and you can get a preliminary quote in minutes over the phone.

 Application Fee $200
 Monthly Fee $5
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