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The advice on this website has not taken into account your objectives, financial situation or needs. Before acting upon the advice, consider whether it is appropriate for your circumstances. You should also obtain the relevant Fees and Charges and Terms and Conditions booklets or the relevant Product Disclosure Statement before deciding whether to acquire or hold any product described on this website.

The information appearing on this website is for general information only and is not to be relied upon as investment advice or as being complete or accurate and is subject to change. Further details of up to date fees and charges, interest rates, terms and conditions, product information and any special offers are available from any Heritage Branch or by phoning 13 14 22 and full details are available on application. Products referred to in this website are only available in Australia and lending products may be subject to geographical restrictions according to the location of the security property. Heritage shall not be responsible for the content of any other site accessed via the Heritage site; that information is the responsibility of the site owner and Heritage has no control over it. Links to other sites are provided for convenience only and do not represent any endorsement by Heritage of the products offered by the site owner.

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Financial Services Guide

Heritage Bank Limited. ABN 32 087 652 024, AFSL 240984, Australian Credit Licence 240984

* 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.