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  Home Advantage Fixed Rate Home Loans - Owner Occupied

 General Lending Rates

• Lending Rate Type: Fixed
• Interest Rate: 5.79%, Comparison Rate 6.49%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 5.49%, Comparison Rate 6.37%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

• Lending Rate Type: Fixed
• Interest Rate: 5.49%, Comparison Rate 6.26%
• Repayment Type: Principal And Interest
• Loan Purpose: Owner Occupied

 Product Features

• Other Additional Information: Lock in a competitive rate for a fixed term and get certainty of repayments

• Other Additional Information: Save with no home loan establishment fee, pay $0 annual credit card fee and get discounts on insurance (annual package fee applies)

• Other Additional Information: Make unlimited additional repayments without penalty provided the loan is not repaid in full during the fixed rate period

• Redraw Additional Information: Online redraw available

• Other Additional Information: Fixed rate terms of 1, 2, 3 or 5 years, with loan terms from 1 to 30 years

• Other Additional Information: Family Guarantee options and Build Loans available

 Product Eligibility

• Min Age - 18.

• Residency Status - A Citizen Or Permanent Resident Of Australia Or New Zealand.

• Other Additional Information: Lending criteria apply

 Bank Fees and Charges

• Settlement Fee (Upfront), Amount: 210.00.

• Loan Finalisation Fee (Exit), Amount: 345.00.

• Package Annual Fee (Periodic), Amount: 350.00.

• Cheque Fee (Upfront), Amount: 10.00. Additional Information: $10 per cheque

• Title Registration Fee (Variable), Amount: Not Listed..

• Default Fee (Event), Amount: 30.00. Additional Information: will be charged monthly until no longer in default

• Special Request Transaction Listing Fee (Event), Amount: 7.50. Additional Information: $7.50 per page

• Enforcement Fee (Event), Amount: 20.00.

• Telegraphic Transfer Fee - (pexa Settlements) (Event), Amount: 35.00. Additional Information: Payable to ANZ Banking Group or Westpac Banking Corporation on settlement if any of the amount of credit is telegraphically transferred.

• Renegotiation Fee (Event), Amount: 250.00.

• Substitute Security Fee (Event), Amount: 450.00.

• Partial Release Processing Fee (Event), Amount: 220.00.

• Partial Release Assessment Fee (Event), Amount: 100.00. Additional Information: $100 per security

• Capital Reduction Recalculation Fee (Event), Amount: 75.00.

• Change Of Term Fee (Event), Amount: 75.00.

• Interest Recalculation Fee (Event), Amount: 20.00.

• Document/record Search Fee (Event), Amount: 12.00. Additional Information: $12 per item

• Direct Debit Dishonour Fee (Event), Amount: 10.00.

• Redraw Administration Fee (Event), Amount: 20.00. Additional Information: while you do not meet the package eligibility criteria & not completed online

• Consent Fee (Event), Amount: 200.00. Additional Information: Consent to the registration of a Land Titles document over the security property to a third party

• Production Fee (Event), Amount: 100.00. Additional Information: if Heritage is required to produce a security document to the State's Land Titles Authority or agency

• Title Search (Variable), Amount: Not Listed.. Additional Information: The amount charged to Heritage per search per title

• Title Search - Payable To Agent/solicitor (Variable), Amount: Not Listed.. Additional Information: The amount charged to Heritage by the Agent or Solicitor

• Agent's Fees (Variable), Amount: Not Listed.. Additional Information: Agent's fee payable to any agent used by Heritage or its solicitor to attend settlement or stamp, lodge or register a document on settlement of Loan.

• Bank Cheques Cost Payable To Any Bank Issuing A Bank Cheque For Settlement On Settlement Of Loan. (Variable), Amount: Not Listed.. Additional Information: The amount charged by the bank to Heritage, its Agent or your Solicitor (currently estimated at approximately $12.00 per cheque).

• Further Advance Application Fee (Variable), Amount: Not Listed.. Additional Information: $7.50 per $1,000 applied for

• Special Clearance Fee (Variable), Amount: Not Listed.. Additional Information: $15.00 (special clearance by mail) or $60.00 per hour plus cost, with a minimum of $30.00 (special clearance by hand delivery)

• Valuer's Fee May Become Payable To Valuation Exchange Pty Ltd If Heritage Obtains A Valuation For A Property Subject To A Security In Connection With A Proposed Transaction (such As An Application For A Further Advance Or An Application To Substitute Securities). (Variable), Amount: Not Listed.. Additional Information: The amount charged to Heritage

• Council Mortgage Notification Fee (Variable), Amount: Not Listed.. Additional Information: The amount charged by the local government

• Mortgage Dealing Fee (Variable), Amount: Not Listed.. Additional Information: Fee charged per dealing.

• Break Fee (Variable), Amount: Not Listed.. Additional Information: Calculating the interest amount that Heritage would have received over the remaining fixed rate period of your Loan less the interest amount Heritage will receive on a comparable loan for the remaining fixed rate period at the date the Credit Contract is paid out.

• Rate Guarantee Fee (Variable), Amount: Not Listed.. Additional Information: The fee is calculated at 0.15% of the basic loan amount, Where the 0.15% fee does not calculate to a whole dollar value, e.g. $157,400 x 0.15% = $236.10, the system will process the fee at a rounded down amount to the dollar, e.g. $236.00

• Qbe - Lenders Mortgage Insurance (Variable), Amount: Not Listed..

• Guarantor Fee (Event), Amount: 200.00. Additional Information: Payable for having a guarantee listed as security on your loan.

• Trust/company Document Examination Fee (Event), Amount: 250.00. Additional Information: Payable on application for trust/company structures

• Collateral Security Preparation Fee (Event), Amount: 100.00. Additional Information: Payable when taking security over a new Collateral Security Property (any security other than the first new security), on application.

• Telegraphic Transfer Fee (Event), Amount: 30.00. Additional Information: Payable if money lent to you is telegraphically transferred within Australia.

• Approval Request Fee (Variable), Amount: Not Listed.. Additional Information: Payable if you ask for our approval under the credit contract or a security in relation to a transaction or proposal.

 Limitations & Restrictions (Constraints)

• Min Limit of 150000.00