Re-financing your home loan is easier than you may think and it’s well worth it if it means saving money. The first step is to review your home loan. Reviewing your home loan not only reminds you of what you signed up for – such as fees, charges and repayments ­– but it also gives you a chance to compare where your loan sits in the current market. Home lending is a changing and competitive market so it’s important you know what lenders are offering to ensure you are getting the best deal possible for your situation.

How we can help you get more out of your move to Heritage

Financial Planning

A financial planner will be able to consider your entire financial position. This can be especially useful when you already have property you own.

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.

Calculate

You could save up to

over the life of the loan

Savings based on the .

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Whoa there, it seems like you've already got a pretty good deal going. If the details you've entered are correct, our calculator says that over the life of your loan you'd currently be better off staying where you are. If you're shopping around though, don't despair, the calculator is no match for advice from a real person.

As a People first bank, our rates are almost always lower than the big four. In fact, a recent University of New England study found Heritage had, on average, the lowest standard variable rate of any financial institution in the country over the last 15 years.

If you want to double check, give us a call on 13 14 22 and we'll almost certainly be able to find other ways for you to save money and time on your home loan.

Calculation based on the .

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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 Variable4.59%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 $249,9994.55%
$250,000 to $699,9994.50%
$700,000 or more4.45%

Investment

Interest Rate

$150,000 to $249,9994.96%
$250,000 to $699,9994.86%
$700,000 or more4.81%

Interest Rate

Comparison Rate *

Standard Personal Loan12.99%15.45%

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%
 

Are you missing out on a share of $7.4 billion in savings?

At Heritage, we were interested to find out about the approach Aussie families take to finding a better deal, and why. To shed some light on the topic, we teamed up with the University of Technology Sydney to carry out an Australia-wide study on switching.

 

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.

 

Save money with a financial health check

If 2017 is a year of saving for you then doing a health check on your expenditure is a must. We've put together an initial list of financial and service products you may like to consider in your financial health check.

* 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.