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Home Advantage Variable Home Loan ($150k-$250k) (LVR<80%)

Customise your mortgage repayments by entering your details:

I want to borrow

Loan Term

years

Repayment Frequency

Pros:
  • Extra low interest rate for refinancers
  • No ongoing fees
  • 100% full offset account
  • Parents can sign as guarantor
Cons:
  • Annual fee charged
  • Discharge fee at end of loan
  • Not available for self-employed borrowers
  • Repayments may increase if RBA raises rates

Details & Fees

Maximum LVR
Maximum LVR
80%
Interest rate structure
Interest rate structure
Variable
Borrowing range
Borrowing range
$150k - $250kCalculate how much you can borrow »
Total repayments
Total repayments
$260,640View repayment schedule »
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term
1 - 30 years
Offset account
Offset account
100% offset account
Extra repayments
Extra repayments
Unlimited extra repayments
Redraw facility
Redraw facility
Redraw fee: $0
Allows split interest
Allows split interest
Suitable For
Suitable ForOwner Occupiers
Applicable States
Applicable StatesACT, NSW, NT, QLD, SA, TAS, VIC, WA
Make Repayments
Make RepaymentsFortnightly, Monthly, Weekly
Estimated upfront fees
Estimated upfront fees
$150
Application fee
Application fee$0
Settlement fee
Settlement fee$150
Valuation fee
Valuation fee
$0
Legal fee
Legal fee
$0
Ongoing fee
Ongoing fee
$350 annually
Discharge fee
Discharge fee$200
Maximum LVR
Maximum LVR
80%
Interest rate structure
Interest rate structure
Variable
Borrowing range
Borrowing range
$150k - $250kCalculate how much you can borrow »
Total repayments
Total repayments
$260,640View repayment schedule »
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term
1 - 30 years
Offset account
Offset account
100% offset account
Extra repayments
Extra repayments
Unlimited extra repayments
Redraw facility
Redraw facility
Redraw fee: $0
Allows split interest
Allows split interest
Suitable For
Suitable ForOwner Occupiers
Applicable States
Applicable StatesACT, NSW, NT, QLD, SA, TAS, VIC, WA
Make Repayments
Make RepaymentsFortnightly, Monthly, Weekly
Estimated upfront fees
Estimated upfront fees
$150
Application fee
Application fee$0
Settlement fee
Settlement fee$150
Valuation fee
Valuation fee
$0
Legal fee
Legal fee
$0
Ongoing fee
Ongoing fee
$350 annually
Discharge fee
Discharge fee$200

Heritage Bank has been operating since 1875 and has grown to become Australia’s largest customer-owned mutual bank. What started out as the Toowoomba Permanent Building Society merged with Darling Downs Building Society to officially become the Heritage Bank. Over the years, Heritage Bank has expanded its range of financial products and services like home loans, credit cards, savings accounts and financial planning. Community is at the core of The Heritage Bank and this is further reflected in its philosophy of Putting People First.

Heritage Bank Home Loan Calculator  
Interested in a Heritage Bank home loan? RateCity has a suite of calculators that can show you what your repayments would be and how Heritage Bank compares to its competitors. Simply plug in your borrowing amount below.

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