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    L1 - Owner-Occupied Variable Loan

    L8 - Interest Only Variable Loan

    L9 - Interest Only Fixed Loan

    L15 - Interest Only Fixed Loan

    L18 - Special Interest Only Variable Loan

    L19 - Special Interest Only Fixed Loan

    L29 - Bridging Loan

    L32 - Owner-Occupied Fixed Loan

    L33 - Investment Fixed Loan

    L35 - Special Investment Variable Loan

    L54 - Living Equity Loan

    L60 - Owner-Occupied Variable Loan

    L62 - Owner-Occupied Fixed Loan

    L63 - Investment Fixed Loan

    L64 - Special Investment Variable Loan

    S54 - Living Equity Loan

    L2 - Investment Variable Loan

    L4 - Interest Only Variable Loan

    L36 - Owner-Occupied Variable Options Loan

    L37 - Investment Variable Options Loan

    L65 - Interest Only Variable Loan

    L66 - Interest Only Fixed Loan

    L67 - Owner-Occupied Variable Options Loan

    L68 - Investment Variable Options Loan

    Owner-Occupied Variable Loan
    Level

    BSB
    L1638-610
    L1.1638-611
    L1.2638-612
    L1.3638-613
    L1.4638-614
    L1.5638-615
    L1.6638-616
    L1.7638-617
    L1.8638-618
    L1.9638-619

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    Interest Only Variable Loan
    Level

    BSB
    L8638-680
    L8.1638-681
    L8.2638-682
    L8.3638-683
    L8.4638-684
    L8.5638-685
    L8.6638-686
    L8.7638-687
    L8.8638-688
    L8.9638-689

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    Interest Only Fixed Loan
    Level

    BSB
    L9638-670
    L9.1638-671
    L9.2638-672
    L9.3638-673
    L9.4638-674
    L9.5638-675
    L9.6638-676
    L9.7638-677
    L9.8638-678
    L9.9638-679

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    Interest Only Fixed Loan
    Level

    BSB
    L15638-750
    L15.1638-751
    L15.2638-752
    L15.3638-753
    L15.4638-754
    L15.5638-755
    L15.6638-756
    L15.7638-757
    L15.8638-758
    L15.9638-759

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    Special Interest Only Variable Loan
    Level

    BSB
    L18638-780
    L18.1638-781
    L18.2638-782
    L18.3638-783
    L18.4638-784
    L18.5638-785
    L18.6638-786
    L18.7638-787
    L18.8638-788
    L18.9638-789

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    Special Interest Only Fixed Loan
    Level

    BSB
    L19639-770
    L19.1639-771
    L19.2639-772
    L19.3639-773
    L19.4639-774
    L19.5639-775
    L19.6639-776
    L19.7639-777
    L19.8639-778
    L19.9639-779

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    Bridging Loan
    Level

    BSB
    L29638-920
    L29.1638-921
    L29.2638-922
    L29.3638-923
    L29.4638-924
    L29.5638-925
    L29.6638-926
    L29.7638-927
    L29.8638-928
    L29.9638-929

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    Owner-Occupied Fixed Loan
    Level

    BSB
    L32638-930
    L32.1638-931
    L32.2638-932
    L32.3638-933
    L32.4638-934
    L32.5638-935
    L32.6638-936
    L32.7638-937
    L32.8638-938
    L32.9638-939

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    Investment Fixed Loan
    Level

    BSB
    L33638-940
    L33.1638-941
    L33.2638-942
    L33.3638-943
    L33.4638-944
    L33.5638-945
    L33.6638-946
    L33.7638-947
    L33.8638-948
    L33.9638-949

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    Special Investment Variable Loan
    Level

    BSB
    L35638-970
    L35.1638-971
    L35.2638-972
    L35.3638-973
    L35.4638-974
    L35.5638-975
    L35.6638-976
    L35.7638-977
    L35.8638-978
    L35.9638-979

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    Living Equity Loan
    Level

    BSB
    L54638-150
    L54.1638-151
    L54.2638-152
    L54.3638-153
    L54.4638-154
    L54.5638-155
    L54.6638-156
    L54.7638-157
    L54.8638-158
    L54.9638-159

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    Owner-Occupied Variable Loan
    Level

    BSB
    L60638-400
    L60.1638-401
    L60.2638-402
    L60.3638-403
    L60.4638-404
    L60.5638-405
    L60.6638-406
    L60.7638-407
    L60.8638-408
    L60.9638-409

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    Owner-Occupied Fixed Loan
    Level

    BSB
    L62638-420
    L62.1638-421
    L62.2638-422
    L62.3638-423
    L62.4638-424
    L62.5638-425
    L62.6638-426
    L62.7638-427
    L62.8638-428
    L62.9638-429

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    Investment Fixed Loan
    Level

    BSB
    L63638-430
    L63.1638-431
    L63.2638-432
    L63.3638-433
    L63.4638-434
    L63.5638-435
    L63.6638-436
    L63.7638-437
    L63.8638-438
    L63.9638-439

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    Special Investment Variable Loan
    Level

    BSB
    L64638-440
    L64.1638-441
    L64.2638-442
    L64.3638-443
    L64.4638-444
    L64.5638-445
    L64.6638-446
    L64.7638-447
    L64.8638-448
    L64.9638-449

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    Living Equity Loan
    Level

    BSB
    S54638-150
    S54.1638-151
    S54.2638-152
    S54.3638-153
    S54.4638-154
    S54.5638-155
    S54.6638-156
    S54.7638-157
    S54.8638-158
    S54.9638-159

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    Investment Variable Loan (Retired)
    Level

    BSB
    L2638-620
    L2.1638-621
    L2.2638-622
    L2.3638-623
    L2.4638-624
    L2.5638-625
    L2.6638-626
    L2.7638-627
    L2.8638-628
    L2.9638-629

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    Interest Only Variable Loan (Retired)
    Level

    BSB
    L4638-640
    L4.1638-641
    L4.2638-642
    L4.3638-643
    L4.4638-644
    L4.5638-645
    L4.6638-646
    L4.7638-647
    L4.8638-648
    L4.9638-649

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    Owner-Occupied Variable Options Loan (Retired)
    Level

    BSB
    L36638-490
    L36.1638-491
    L36.2638-492
    L36.3638-493
    L36.4638-494
    L36.5638-495
    L36.6638-496
    L36.7638-497
    L36.8638-498
    L36.9638-499

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    Investment Variable Options Loan (Retired)
    Level

    BSB
    L37638-500
    L37.1638-501
    L37.2638-502
    L37.3638-503
    L37.4638-504
    L37.5638-505
    L37.6638-506
    L37.7638-507
    L37.8638-508
    L37.9638-509

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    Interest Only Variable Loan (Retired)
    Level

    BSB
    L65638-450
    L65.1638-451
    L65.2638-452
    L65.3638-453
    L65.4638-454
    L65.5638-455
    L65.6638-456
    L65.7638-457
    L65.8638-458
    L65.9638-459

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    Interest Only Fixed Loan (Retired)
    Level

    BSB
    L66638-460
    L66.1638-461
    L66.2638-462
    L66.3638-463
    L66.4638-464
    L66.5638-465
    L66.6638-466
    L66.7638-467
    L66.8638-468
    L66.9638-469

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    Owner-Occupied Variable Options Loan (Retired)
    Level

    BSB
    L67638-890
    L67.1638-891
    L67.2638-892
    L67.3638-893
    L67.4638-894
    L67.5638-895
    L67.6638-896
    L67.7638-897
    L67.8638-898
    L67.9638-899

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    Investment Variable Options Loan (Retired)
    Level

    BSB
    L68638-900
    L68.1638-901
    L68.2638-902
    L68.3638-903
    L68.4638-904
    L68.5638-905
    L68.6638-906
    L68.7638-907
    L68.8638-908
    L68.9638-909

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    * Home loan comparison rate based on a $150,000 loan over 25 years.  Fixed loan comparison rate applies only for loans with an LVR of 80% or less and a loan amount of $150,000 to $249,999.  WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

    Interest rates are on a per annum basis. Rates are correct as stated and subject to change without notice. Rates shown are for new loans and do not apply to switches or internal refinances.

    Home Advantage Variable rates include discounts shown from the Standard Variable rate. Home Advantage Living Equity rates include discounts from the Living Equity rate. Discounts are based on total lending in the package. Discount Variable LVR rates are for new lending and include discounts from the Discount Variable Loan Rate.  Discounts are not available in conjunction with any other interest rate discount or special offer. All fixed rates are fixed for the period stated and revert to the variable rate applying at expiration of the fixed term. To approved applicants only. Conditions, criteria and fees apply.

    Loan to Value Ratio (LVR) is the loan amount divided by the value of your security property (determined by Heritage Bank at assessment), multiplied by 100. Owner Occupied loans have a maximum LVR of 95%, Investment loans have a maximum LVR of 80% and Living Equity has a maximum LVR of 80%. Heritage is not accepting any new investment applications until further notice.

    This advice has been prepared without taking into account your objectives, financial situation or needs. Because of this you should, before acting on this information, consider its appropriateness having regard to your objectives, financial situation or needs.

    Generate a personalised Key Fact Sheet based on your loan amount, term and repayments. This tool is provided to help you compare home loans from Heritage with other financial institutions.