Following the Reserve Bank’s recent decision, we're increasing our existing home, investment and business variable rate loans by 0.25% p.a. from 17 February 2026. Learn more here.
Personal loan calculators
Buying a new car, planning renovations or going on a holiday? Choose one of our personal loan calculators to get started.
Car Loan Repayment Calculator
Use our car loan calculator to estimate the true cost of owning a car. It takes into account stamp duty, insurance, maintenance and more.
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How much can I borrow?
If you're wondering, 'how much can I borrow for a personal loan or car loan?' our Personal Loan Borrowing Power Calculator can help you.
Our personal loan calculator helps you estimate your personal loan repayments, whether it be for a holiday, wedding, debt consolidation or renovations.
Are you an existing Heritage member?
This will determine how best we can help.