Loan Offset

This partial offset account is great for day-to-day use, and helps cut the amount of interest you pay on your home or personal loan.

Fees

Account keeping fee

$0

Transaction Type

Monthly fee free zone

Fee per excess transaction

Heritage online banking

Unlimited

Free

Heritage Access Line phone banking

Unlimited

Free

SMS Account Enquiries

Unlimited

Free

Direct Credits

Unlimited

Free

Direct Debits

Unlimited

Free

Cheque Deposits

Unlimited

Free

Counter Cash Deposits

Unlimited

Free

Presented cheques

Counter cash withdrawals, transfers and BPAY

EFTPOS

Network ATM withdrawals and balance enquiries




10




$1.75 per Network ATM enquiry, otherwise $1.00

Bank@Post balance enquiries

0

$0.30

Bank@Post cash withdrawals

0

$2.50

Bank@Post cheque deposits

0

$2.50

Bank@Post cash deposits

0

$2.50

Non-Heritage counter widthdrawals (Visa)

0

$2.50

Overseas ATM or counter widthdrawals (Visa)

0

$5.00 plus overseas currency conversion fee

Offset account not available on Low Rate Secured Loan

Special zoned members (those with a residential postcode recorded by Heritage within the range 0000 to 3999, 4385 to 9999, 4311, 4312, 4313, 4360 and 4361) may make unlimited Bank@Post transactions without attracting transaction fees for these transactions.

Special zoned members (those with a residential postcode recorded by Heritage within the range 0000 to 3999, 4385 to 9999, 4311, 4312, 4313, 4360 and 4361) may make unlimited Bank@Post transactions without attracting transaction fees for these transactions.

Special zoned members (those with a residential postcode recorded by Heritage within the range 0000 to 3999, 4385 to 9999, 4311, 4312, 4313, 4360 and 4361) may make unlimited Bank@Post transactions without attracting transaction fees for these transactions.

Special zoned members (those with a residential postcode recorded by Heritage within the range 0000 to 3999, 4385 to 9999, 4311, 4312, 4313, 4360 and 4361) may make unlimited Bank@Post transactions without attracting transaction fees for these transactions.

* 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.

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.