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Home Loan Variable: 5.98% (6.35%*) • Home Loan Fixed: 5.79% (6.39%*) • Fixed: 5.79% (6.39%*) • Variable: 5.98% (6.35%*) • Investment IO: 6.14% (6.58%*) • Investment PI: 5.99% (6.61%*)

  Discount Variable - Owner Occupied

Enjoy a low rate home loan with no monthly administration fee, the ability to make additional repayments and free online redraw.
Category: Home Loans  Last Updated April 18, 2024  Effective May 3, 2024

 General Lending Rates

Rates listed below are for a VARIABLE Owner Occupied P&I product. Additional Information LVR up to 70%. Loan amount $150,000 - $699,999.
Interest Rate
5.99% PA
Comparison Rate
6.01%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  Discount Variable - Loan Amount
Minimum: $150000.00 Maximum: $699999.00
  Discount Variable - Loan to Value Ratio (LVR)
  • Lending Rate Type: Variable
  • Interest Rate: 5.99%, Comparison Rate 6.01%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Discount Variable - Loan Amount
Minimum: $150000.00 Maximum: $699999.00
  Discount Variable - Loan to Value Ratio (LVR)
Minimum: 70.1 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.09%, Comparison Rate 6.11%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Discount Variable - Loan Amount
Minimum: $150000.00 Maximum: $699999.00
  Discount Variable - Loan to Value Ratio (LVR)
Minimum: 80.1 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.64%, Comparison Rate 6.66%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Discount Variable - Loan Amount
Minimum: $150000.00 Maximum: $699999.00
  Discount Variable - Loan to Value Ratio (LVR)
Minimum: 90.1 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.79%, Comparison Rate 6.81%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Discount Variable - Loan Amount
Minimum: $700000.00 Maximum: $
  Discount Variable - Loan to Value Ratio (LVR)
  • Lending Rate Type: Variable
  • Interest Rate: 5.99%, Comparison Rate 6.01%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Discount Variable - Loan Amount
Minimum: $700000.00 Maximum: $
  Discount Variable - Loan to Value Ratio (LVR)
Minimum: 70.1 PERCENT Maximum: 80 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.09%, Comparison Rate 6.11%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Discount Variable - Loan Amount
Minimum: $700000.00 Maximum: $
  Discount Variable - Loan to Value Ratio (LVR)
Minimum: 80.1 PERCENT Maximum: 90 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.64%, Comparison Rate 6.66%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  Discount Variable - Loan Amount
Minimum: $700000.00 Maximum: $
  Discount Variable - Loan to Value Ratio (LVR)
Minimum: 90.1 PERCENT Maximum: 95 PERCENT
  • Lending Rate Type: Variable
  • Interest Rate: 6.79%, Comparison Rate 6.81%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied

 Product Features

  • Other Additional Information: Get a competitive low variable interest rate on our simple Discount Variable Rate Home Loan
  • Other Additional Information: Make unlimited additional repayments
  • Redraw Additional Information: Online redraw available
  • Other Additional Information: 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

  • Application Fee (Upfront), Amount: 0.00.
  • Monthly Fee (Event), Amount: 0.00.
  • Settlement Fee (Event), Amount: 210.00.
  • Loan Finalisation Fee (Exit), Amount: 345.00.
  • Cheque Fee (Upfront), Amount: 10.00.
  • Title Registration Fee (Variable), Amount: Not Listed.. Additional Information: amount charged by Government
  • Default Fee (Event), Amount: 30.00. Additional Information: Every month until not in default
  • Special Request Transaction Listing Fee (Event), Amount: 7.50.
  • Enforcement Fee (Event), Amount: 20.00.
  • Telegraphic Transfer Fee (Event), Amount: 35.00.
  • 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.
  • 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.
  • 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.
  • 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: Up to $47.55 per dealing
  • Qbe - Lenders Mortgage Insurance (Variable), Amount: Not Listed..

 Limitations & Restrictions (Constraints)

  • Min Limit of 150000.00

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