Home Loan Calculator †

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Our Discount Variable home loan offers one of the lowest rates of any variable home loan in Australia, and right now it's on special.

Criteria, fees and conditions apply.

3.79pa
3.84pa
Find out more

  • Heritage Bank
  • NAB
  • CAN
  • Westpac
  • ANZ
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Property Address

Stamp Duty Estimate

What is stamp duty?

Stamp Duty (known as ‘transfer duty’ in Queensland) is a state government tax imposed on certain transactions. In this case, it would be imposed on the transaction of a property or mortgage. The amount you pay will be dependent on the price of the property, the state you are in and whether it is for a primary residence or an investment.

Property value: $0

Property Use:
First time home buyer:

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Total Stamp Duty

Insurance Estimate

What types of insurance can I get?

Insurance is an important cost to consider when purchasing a property as it will help give you peace of mind should anything unforeseen happen. Heritage offers a range of home insurance. For example, Classic Home Insurance – which will protect you against a wide range of events such as fire, storm and theft. Or, Prestige Home Insurance which is our premium product and covers you for any accidental loss or damage (unless stated otherwise). For a detailed quote and to find out more click on the button below.

Did you know you can request an insurance quote online?

Get a quote now

Annual insurance cost: $1200

Weekly
Note: The figures above are illustrative only. They in no way represent an average premium or indication of potential costs. You will need to use our online insurance form to obtain a detailed quote that takes into account you particular situation.

Water & Rates Estimate

What does this include?

Council rates will be dependent on your state, council area and suburb. The money you pay in rates helps to contribute towards things like services, roads and parklands in your area. Budget between $1,000 to $4,000 per year for council rates. When looking for a property, check with your real estate agent to find out how much rates are.

Water rates are calculated and charged on the amount of water your household uses.

Property value: $0

Yearly council rates: $0

Use yearly council rates:
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Repairs & Maintenance

How much should I budget?

It’s important you think about budgeting money towards repairs and maintenance of your property. One popular rule of thumb is to set aside one percent of the purchase price of your home each year for ongoing maintenance. For example, if your home is $300,000, you should budget $3,000 per year.

Property value: $0

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Get a FREE RPData Property Report

A Free Suburb Profile Report provides a demographic snapshot of a particular suburb and median house and unit property values tracked over time.

RP Data

Our Discount Variable home loan offers one of the lowest rates of any variable home loan in Australia, and right now it's on special.

Criteria, fees and conditions apply.

3.79pa
3.84pa
Find out more

Cost Summary

Loan Repayments
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Insurance
$0
Council Rates and Water
$0
Repairs and Maintenance
$0

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.
Stamp Duty
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Total Cost
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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.

Calculator information

† 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.

Calculator assumptions

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.

Interest Rates

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.

Comparison Rate

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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