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
Home Advantage Package
Package your standard variable, fixed rate or line of credit home loan together with a credit card, and save with discounts on interest rates and fee waivers.
Features
By bundling your eligible home loan and credit card account you could enjoy the benefits of our Home Advantage Package including:
- Competitive package benefits Discounts on Standard Variable rate home loan
- Low fees Competitive $350 annual package fee
- Flexibility 100% offset account available on variable loans
Pay $0 home loan application fee
Pay $0 annual credit card fee
Discounts on insurance
Pay no monthly fees on your packaged home lending
Make unlimited additional repayments without penalty
More features
- People first service and commitment to our customer-owned values
- Access your additional repayments made in advance via online redraw
- Ability to use payments in advance towards your loan instalments
- Repayments are calculated monthly. However, you can make payments as frequently as you choose within each month to pay the monthly amount due
- Interest Only options for investors, for terms up to 5 years
- Family Guarantee options available
Featured rates
| 2 Year Fixed Rate in Package | |
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New Owner Occupied (Principal & Interest) Package loans of $150,000+ up to 90% LVR1
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Comparison Rate* See Comparison Rate warning
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| Standard Variable in Home Advantage Package | |
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New Owner Occupied (Principal & Interest) Loans in Package of $700,000+ with 70% to 80% LVR
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Comparison Rate* See Comparison Rate warning
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Annual fee
| Annual package fee |
$350 |
WIN A $10,000# RRP SMART HOME PACKAGE
Take out a new Allianz Home and Contents or Landlord insurance policy through Heritage by 30 April 2021 and you’ll be entered into the draw to win a Smart Home Package valued at up to $10,000#.
These articles may help you
How much money can I borrow?
How much money you can borrow will depend on a number of things. Here's four to consider.
Learn more
Building equity in your property
Having equity in your home means the value of your property is more than how much you owe on it. Check out our tips on building your equity and how you might consider using it.
Learn more
We are here to help
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