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Mortgage Refinancing

If you have Payments in Advance on your personal loan or home loan, you can ask Heritage to capitalise them. This means we will recalculate your repayments required to pay out the loan over the remainder of the term, as if you had no Payments in Advance.

If your Payments in Advance are capitalised, Heritage will recalculate your repayments and tell you the new amount, but not change how long it will take to pay out your loan. You will no longer be able to reborrow the Payments in Advance, or use them towards your repayments.

For full details, please refer to your Lending Terms and Conditions booklet.

To apply, please download the application form.

* 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.