How we can help you get more out of your move

Bridging Loan

A bridging loan is a short-term loan and does just as its name implies - it bridges the finance gap between the sale of your current home and the purchase of your new home.

Offset Accounts

An offset account operates like a savings account but instead of paying interest, it reduces the amount of interest you pay on your home loan. It could save you thousands of dollars over the life of your loan.

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.

Domestic Travel Insurance

Travel to your new home with peace of mind, covering you for expenses relating to delays, rental vehicle excess, and luggage.

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

Platinum17.99%
Classic17.99%
Gold Low Rate11.80%
Freedom Visa17.99%

Owner-Occupied

Interest Rate

Comparison Rate *

Discount Variable4.59%4.64%
Discount Variable - Special Rate3.99%4.04%

Investment

Interest Rate

Comparison Rate *

Discount Variable5.14%5.20%
Discount Variable - Special Rate4.49%4.54%

Owner-Occupied

Interest Rate

Comparison Rate *

1 Year Fixed3.89%5.16%
2 Years Fixed3.99%5.07%
3 Years Fixed4.09%5.00%
5 Years Fixed4.49%5.01%

Investment

Interest Rate

Comparison Rate *

1 Year Fixed4.19%5.69%
2 Years Fixed4.19%5.55%
3 Years Fixed4.29%5.45%
5 Years Fixed4.69%5.41%

Home Advantage Fixed

Owner-Occupied

Interest Rate

Comparison Rate *

1 Year Fixed3.89%4.44%
2 Years Fixed3.99%4.44%
3 Years Fixed4.09%4.46%
5 Years Fixed4.49%4.62%

Investment

Interest Rate

Comparison Rate *

1 Year Fixed4.19%5.05%
2 Years Fixed4.19%5.00%
3 Years Fixed4.29%4.98%
5 Years Fixed4.69%5.08%

Owner-Occupied

Interest Rate

Living Equity5.51%

Investment

Interest Rate

Living Equity5.51%

Home Advantage Living Equity

Owner-Occupied

Interest Rate

$150,000 to $249,9995.05%
$250,000 to $699,9995.00%
$700,000 or more4.95%

Investment

Interest Rate

$150,000 to $249,9995.05%
$250,000 to $699,9995.00%
$700,000 or more4.95%

Interest Rate

Comparison Rate *

Standard Personal Loan12.99%14.02%

Owner-Occupied

Interest Rate

Comparison Rate *

Standard Variable5.14%5.29%

Investment

Interest Rate

Comparison Rate *

Standard Variable5.69%5.83%

Home Advantage Variable

Owner-Occupied

Interest Rate

Comparison Rate *

$150,000 to $249,9994.09%4.46%
$250,000 to $699,9994.04%4.41%
$700,000 or more3.99%4.36%

Investment

Interest Rate

Comparison Rate *

$150,000 to $249,9994.74%5.10%
$250,000 to $699,9994.69%5.05%
$700,000 or more4.64%5.00%
 

Buying property off the plan

The boom in approved units, townhouses and apartments across the country could be seen as a good thing for Aussie home buyers, who may benefit from increased affordability and the option to purchase off the plan.

 

The home loan jargon you need to know

From comparison rates to lenders mortgage insurance and offset accounts, there’s lots of jargon you’ll come across when looking for a home loan. Find out what some of the most common terms mean and how they might affect you.

 

Selling property? Preparation is key

Every seller wants to get the best price possible for their property. If you are serious about selling your home and generating buyer interest there are two key areas you need to look at.

 

What is a cooling-off period?

A standard contract for buying a home in Queensland comes with a five day cooling-off period. It's important to understand what this means before you sign the contract.

* 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.

*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 of 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.

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.