Council Rates and Water
Repairs and Maintenance
Other costs to consider
There may be other costs you need to consider when purchasing and maintaining a property. For example, solicitor fees associated with acquiring the property or management fees if you plan on renting the property out.
Things you need to know
^Based on a $150,000 loan over 25 years. 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.
† For Investment loans please use the manual rate selector to find your applicable rate. Different Conditions, Criteria and Fees apply to Investment loans. Interest Only repayments are not available on Owner Occupied loans.
These calculations are intended as a general guide only. These calculations do not constitute an offer of credit or a quote and are only an estimate of what you may be able to borrow based on the accuracy of the information provided. These calculations do not take into account any product features, conditions or applicable fees. The output of each calculator, is subject to the assumptions provided under each calculator and are subject to change.
1. Length of months are assumed to be of equal length. In reality, many loans accrue on a daily basis leading to a varying number of days' interest dependant on the number of days in the particular month.
2. One year is assumed to contain exactly 52 weeks or 26 fortnights. This implicitly assumes that a year has 364 days rather than the actual 365 or 366 days.
3. In practice, repayments are rounded to at least the nearer cent.
4. The repayments are based on monthly contractual repayments and are adjusted to produce the approximate weekly or fortnightly amount.
All interest rates referred to in the calculators are current and are subject to change. All fixed rates are fixed for the period stated and revert to the variable rate applying at expiration of the fixed term, which may change the calculations. If a Variable Rate Loan is selected, the interest rate will be subject to change throughout the term of the loan. Early repayment costs may apply if you repay the loan early during a fixed interest rate period. When assessing ability to service a loan, Heritage may use an interest rate that is higher than the current interest rate for the loan requested.
Based on a $150,000 loan over 25 years. 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.
Other things you need to know
Our lending criteria and the basis upon which we assess what you can afford may change at any time without notice. The full details of your loan (including repayments) will be provided to you in your loan contract. Repayment amounts are subject to change. To find out more about your repayments you should speak to us. Conditions, criteria and fees apply to all Heritage home loan products. For further information visit your nearest branch or phone us on 13 14 22.
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