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
Fixed Rate Home Loans
Our 1, 2, 3 or 5 year fixed home loans offer a range of features including unlimited extra repayments, award-winning service and our People first commitment.
Features
- Certainty Lock in a competitive home loan rate for a fixed term
- Freedom Enjoy the freedom of being able to make unlimited additional repayments without penalty
- Package your eligible home loan and credit card Choose our Home Advantage Package to receive competitive package benefits
- People first service People first service and commitment to our customer-owned values
Certainty of repayments to confidently budget your expenses
Access your additional repayments made in advance via online redraw
More features
- Fixed loans from $20,000
- Ability to use repayments in advance towards your loan instalments
- Repayments calculated monthly. However, you can make payments as frequently as you choose within each month to pay the monthly amount due
- Interest only repayment option available for investment loans, for up to 5 years
- Family guarantee options available
Rates
1 Year Fixed Rate - Owner Occupied
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Rate for new owner occupied loans up to 90% LVR1
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Comparison Rate*
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2 Year Fixed Rate - Owner Occupied
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Rate for new owner occupied loans up to 90% LVR1
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Comparison Rate*
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3 Year Fixed Rate - Owner Occupied
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Rate for new owner occupied loans up to 90% LVR1
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Comparison Rate*
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5 Year Fixed Rate - Owner Occupied
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Rate for new owner occupied loans up to 90% LVR1
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Comparison Rate*
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A home loan from a bank that really understands our needs? "Bank you very much!"
At Heritage Bank, our home loans feature a wide range of product benefits and features including competitive fixed and variable interest rates, no monthly or redraw fees and the ability to make increase or lump sum payments~. And with $2,000 cashback# for First Home Buyers with Lender’s Mortgage Insurance, you’ll be saying "Bank You Very Much!" too.
Fees
| Application Fee | $600 |
| Monthly Fee | $8 |
| Online Redraw (on eligible loan accounts) | $0 |
| Settlement Fee | $150 |
| Loan Finalisation Fee | $300 |
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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 the purchase.
Or call 13 14 22 to speak to an expert