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Fixed Rate Home Loan 1 Year

Heritage Bank

Borrowing Amount
Loan term
Advertised Rate4.09%Fixed - 1 year
Comparison Rate5.02%
Monthly Repayment$1345over 30 years
Minimum Deposit %5%
Pros
  • Suitable for low deposits
  • Parents can sign as guarantor
  • Extra repayments + redraw services
  • Repayments will not change during fixed period
Cons
  • Monthly fee charged
  • Discharge fee at end of loan
  • Settlement fee charged
  • Not available for investment purposes

Loan Profile

Maximum LVR
Maximum LVR95%
Loan Term
Loan Term1 - 30 years
Borrowing Amount Range
Borrowing Amount Range$20k - $100m
Investors loans
Investors loans
First Home Buyer
First Home Buyer
Owner Occupied
Owner Occupied
Refinance
Refinance
Line of Credit
Line of Credit
Self-managed Super
Self-managed Super

Loan Fees

Estimated Up Front Fees
Estimated Up Front Fees$100
Legal Fee
Legal Fee$0
Valuation Fee
Valuation Fee$0
Settlement Fee
Settlement Fee$100
Discharge Fee
Discharge Fee$200
Application Fee
Application Fee$0
Initial Ongoing Fee
Initial Ongoing Fee$0
Ongoing Fee
Ongoing Fee$5

Repayments & Redraws

Total Repayments
Total Repayments$484,200
Offset Account
Offset AccountPartial offset account
Redraw Facility
Redraw FacilityRedraw fee: $20
Extra Repayments
Extra RepaymentsUnlimited extra repayments
Weekly Repayments
Weekly Repayments
Fortnightly Repayments
Fortnightly Repayments
Monthly Repayments
Monthly Repayments
View Repayment Schedule

More Information

Interest rate structure
Interest rate structureFixed - 1 year
Interest only
Interest only
Loan allows split interest rate
Loan allows split interest rate
Principal and interest
Principal and interest
States Applicable
NSW
NSW
VIC
VIC
SA
SA
WA
WA
QLD
QLD
NT
NT
TAS
TAS

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