Prudential Information

APS 330 - Public Disclosure

Heritage Term Subordinated Debt - Basel III Pillar 3 Disclosures: Prudential Standard APS 330 PDF 71KB


2017 Financial Year

 30 June 2017 - Basel III Pillar 3 Disclosures: Prudential Standard APS 330 PDF 169KB
31 March 2017 - Basel III Pillar 3 Disclosures: Prudential Standard APS 330 PDF 81KB
31 December 2016 - Basel III Pillar 3 Disclosures: Prudential Standard APS 330 PDF 139KB
30 September 2016 - Basel III Pillar 3 Disclosures: Prudential Standard APS 330 PDF 73KB

2016 Financial Year

30 June 2016 - Basel III Pillar 3 Disclosures: Prudential Standard APS 330 PDF 169KB
31 March 2016 - Basel III Pillar 3 Disclosures: Prudential Standard APS 330 PDF 94KB
31 December 2015 - Basel III Pillar 3 Disclosures: Prudential Standard APS 330 PDF 184KB
30 September 2015 - Basel III Pillar 3 Disclosures: Prudential Standard APS 330 PDF 91KB


2015 Financial Year

30 June 2015 - Basel III Pillar 3 Disclosures: Prudential Standard APS 330 PDF 179KB
31 March 2015 - Basel III Pillar 3 Disclosures: Prudential Standard APS 330 PDF 475KB
31 December 2014 - Basel III Pillar 3 Disclosures: Prudential Standard APS 330 PDF 141KB
30 September 2014 - Basel III Pillar 3 Disclosures: Prudential Standard APS 330 PDF 75KB
31 October 2014 - Redemption of Heritage Notes PDF 103KB


2014 Financial Year

30 June 2014 - Basel III Pillar 3 Disclosures: Prudential Standard APS 330 PDF 180KB
31 March 2014 - Basel III Pillar 3 Disclosures: Prudential Standard APS 330 PDF 93KB
31 December 2013 - Basel III Pillar 3 Disclosures: Prudential Standard APS 330 PDF 152KB
30 September 2013 - Basel III Pillar 3 Disclosures: Prudential Standard APS 330


2013 Financial Year

30 June - Basel III Pillar 3 Disclosures: Prudential Standard APS 330


2012 Financial Year

30 June - Basel II Pillar 3 Disclosures: Prudential Standard APS 330


2011 Financial Year

30 June - Basel II Pillar 3 Disclosures: Prudential Standard APS 330


2010 Financial Year

30 June - Disclosure of Prudential Information




* 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.