Financial Planning


Financial planning and advice can make a big difference at every stage of life. No two situations are exactly the same so it’s important your financial plan is tailored to your situation and where you want to be in the future.

Heritage has teamed up with Bridges, one of Australia’s largest, national financial planning and stockbroking organisations, to offer you professional financial advice. Through financial planning we, along with the Bridges team, aim to help you plan for a future lifestyle that is as good as it can possibly be. We do this through tailored financial advice and investment strategies.

How can financial planning help me?

Whether you are at the beginning of your working life, planning to expand your family, or are well established and looking towards retirement, professional financial advice can make a difference.

About Bridges

Bridges financial planners cover a wide range of financial planning and investment services to help you achieve your financial goals.

Protecting what you love

Learn more about life insurance products designed to protect you and your family should something happen.

Superannuation

Super is your savings for retirement. How you spend your quality time in retirement may be directly related to how much money you have to do the things you love.

Bridges Financial Services Pty Limited (Bridges). ABN 60 003 474 977. ASX participant. AFSL 240837.

This is general advice only and has been prepared without taking into account your particular objectives, financial situation and needs. Before making an investment decision based on this information, you should assess your own circumstances or consult a financial planner. In referring members to Bridges, Heritage does not accept liability or responsibility for any act or omission or advice provided by Bridges or its authorised representatives. Bridges is part of the IOOF group.

* 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.