Home Advantage Package

Package your standard variable, fixed rate or living equity loan together with a credit card and transaction account and you could save thousands with discounts on interest rates and fee waivers. The below interest rates are for new lending only, and a $350 annual package fee applies.

Investment Interest Rates

Investment Home Loan Rates Sheet - download PDF here

Investment Loan Switches and Refixes Rate - download PDF here

Standard Variable loan rates

Discount

Interest Rate

Comparison Rate *

Standard Variable5.14%5.29%
Home Advantage Variable   
$150,000 to $249,9991.05%4.09%4.46%
$250,000 to $699,9991.10%4.04%4.41%
$700,000 or more1.15%3.99%4.36%
Rates effective from 01/08/2017

Owner-Occupied Fixed loan rates

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%
Home Advantage Fixed  
1 Year Fixed3.89%4.44%
2 Years Fixed3.99%4.44%
3 Years Fixed4.09%4.46%
5 Years Fixed4.49%4.62%
Rates effective from 01/08/2017

Living Equity rates

Discount

Interest Rate

Comparison Rate *

Living Equity5.51%n/a
Home Advantage Living Equity   
$150,000 to $249,9990.46%5.05%n/a
$250,000 to $699,9990.51%5.00%n/a
$700,000 or more0.56%4.95%n/a
Rates effective from 01/08/2017


* 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.