Whether your property has seen centuries, decades or just a few short years, there’s always the potential for maintenance and other DIY costs to come up. Smaller maintenance jobs such as replacing gutters or painting can dig a hole into your savings, or could be hard to pay for with cash if you’re not prepared. If you’ve got maintenance jobs to get done then a credit card could be a good option. By paying for materials and tools on a credit card and paying the amount off each month you won’t be paying interest on the money you’re spending, plus you’ll be leaving savings in your account for longer. 

How we can help you get more out of your project

Home & Contents Insurance

Ensure you have your house and its contents insured. This type of insurance covers accidental loss or damage to your building and/or the contents inside.

Savings Accounts

With our range of savings accounts, you can get off on the right foot to save for your deposit.

Calculate your next move.

Home Loan Calculator

Be confident when buying your first home with our home loan calculator.  It estimates the cost of purchase, including items such as stamp duty, insurance, and government grants.

Interest Rate

Platinum16.75%
Classic16.75%
Gold Low Rate11.80%
Freedom Visa16.75%

Owner-Occupied

Interest Rate

Comparison Rate *

Discount Variable4.49%4.51%
Discount Variable - Special Rate3.79%3.81%

Investment

Interest Rate

Comparison Rate *

Discount Variable4.89%4.90%
Discount Variable - Special Rate4.24%4.26%

Owner-Occupied

Interest Rate

Comparison Rate *

1 Year Fixed3.89%5.03%
2 Years Fixed3.99%4.95%
3 Years Fixed4.09%4.89%
5 Years Fixed4.49%4.92%

Investment

Interest Rate

Comparison Rate *

1 Year Fixed4.19%5.42%
2 Years Fixed4.19%5.31%
3 Years Fixed4.29%5.23%
5 Years Fixed4.69%5.23%

Home Advantage Fixed

Owner-Occupied

Interest Rate

Comparison Rate *

1 Year Fixed3.89%4.33%
2 Years Fixed3.99%4.34%
3 Years Fixed4.09%4.37%
5 Years Fixed4.49%4.54%

Investment

Interest Rate

Comparison Rate *

1 Year Fixed4.19%4.85%
2 Years Fixed4.19%4.82%
3 Years Fixed4.29%4.81%
5 Years Fixed4.69%4.94%

Owner-Occupied

Interest Rate

Living Equity5.26%

Investment

Interest Rate

Living Equity5.26%

Home Advantage Living Equity

Owner-Occupied

Interest Rate

$150,000 to $249,9994.30%
$250,000 to $699,9994.25%
$700,000 or more4.20%

Investment

Interest Rate

$150,000 to $249,9994.71%
$250,000 to $699,9994.61%
$700,000 or more4.56%

Interest Rate

Comparison Rate *

Standard Personal Loan12.99%15.45%

Owner-Occupied

Interest Rate

Comparison Rate *

Standard Variable5.04%5.15%

Investment

Interest Rate

Comparison Rate *

Standard Variable5.44%5.54%

Home Advantage Variable

Owner-Occupied

Interest Rate

Comparison Rate *

$150,000 to $249,9993.99%4.34%
$250,000 to $699,9993.94%4.29%
$700,000 or more3.89%4.24%

Investment

Interest Rate

Comparison Rate *

$150,000 to $249,9994.54%4.88%
$250,000 to $699,9994.44%4.78%
$700,000 or more4.39%4.73%
 

3 ways to add value to your home before selling

There are many quick and easy ways to add value to your home – from giving your digs a lick of paint to replacing tired tap ware. Here's 3 ways to consider adding value to your home.

 

How to save money using tradies around your house

From prepping the site, to pitching in when it comes to the job, plumber and mum, Bec Senyard shares her pro tips on how to save money using tradies around the house.

 

How to Become a Savvy Saver

Being a savvy saver can reduce your stress in many ways, from eliminating the risk of having bad credit to giving you the peace of mind of knowing you are prepared for a rainy day.

 

7 tips to wrangle your renovation costs

Whether you’re a first time renovator or a seasoned “professional” keeping your costs on track can be a difficult task. With unexpected costs around each corner and the temptation of spending a little more here and there, it pays to get the most advice you can on the road to a sparkly new home. We’ve put together our Top 7 Tips to wrangle your renovation costs and keep them in check.

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

All loans and credit are subject to application and approval.  Conditions, criteria and fees apply.  Please consider the Guide to Heritage Credit Card Products (available in-branch, by phoning 13 14 22 or at www.heritage.com.au) before you decide whether this product is right for you.

The outcome of the Home Loan Chooser Tool is a guide only and is based on the small amount of information you have provided us. For a full financial assessment and home loan recommendation please call 1314 22 or contact your nearest branch.

* 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.

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

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.

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.

The outcome of the Home Loan Chooser Tool is a guide only and is based on the small amount of information you have provided us. For a full financial assessment and home loan recommendation please call 13 14 22 or contact your nearest branch.