Moving city, town or even state is a big deal – there’s a lot to think about. But there’s even more to think about if you are keeping your existing property as an investment. Between preparing your property for tenants and finding a new property, you’ll have to decide how you’ll finance both. When it comes to financing your new loan while keeping your existing property there’s a number of options to consider. Find out how we can help fit a loan for you today. 

How we can help you get more out of your move

Landlord Insurance

You have worked hard to establish your investment property and income it provides. That is why protection for your investment property is essential.

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.


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.


Using equity to purchase an investment property

You may have equity in the current property you own that could be used to take out another home loan.


How to prepare your house for a valuation

The preparation you do to your property might have a bigger impact on a valuation figure than you think. Here's 4 things you can do to help improve the valuation outcome for your property.


Tax time: expenses you could claim on your investment property

While doing your tax return is a yearly event it can come with some stress. Start keeping things in order now to help when you do this year's return.

* 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.

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.