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
If your looking for a revolving form of credit, you could consider using the equity you hold in your home as collateral with our Living Equity Line of Credit.
Line of Credit in Home Advantage Package* | |
New Owner Occupied rate in Package of $700,000+
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Line of Credit | |
New Owner Occupied Rate
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Application Fee | $600 |
Monthly Fee | $10 |
Settlement Fee | $150 |
Loan Finalisation Fee | $300 |
A line of credit facility is a revolving form of credit secured against your property. This means you can draw on the funds within your approved available limit at any time. You can make transactions online, using a Visa Debit Card or with a chequebook (available on request).
Transaction Type |
Fee Per Transaction |
Direct credits and debits | Free |
EFTPOS, Visa debit and Visa payWave |
Free |
Counter cash deposits, withdrawals, transfers and BPAY® | Free |
Heritage ATM withdrawals, transfers and balance enquiries | Free |
Cheque deposits and presented cheques | Free |
Bank@Post Transactions | Free |
Overseas ATM or counter withdrawals (Visa) | $5.00 plus overseas currency conversion fee |
What is LVR?
How much money can I borrow?
Building equity in your property
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