Heritage Bank home loans

Promoted

Discount Variable

Real Time Rating™
Owner Occupied
20% min deposit
P&I
Extra repayments
Interest Rate

6.04%

p.a

Variable

Comparison Rate*

6.06%

p.a

Promoted

Home Advantage Package

Real Time Rating™
Owner Occupied
20% min deposit
P&I
Offset Account
Interest Rate

6.19%

p.a

Variable

Comparison Rate*

6.51%

p.a

Promoted

Home Advantage Package

Real Time Rating™
Owner Occupied
5% min deposit
P&I
Extra repayments
Interest Rate

6.09%

p.a

Fixed - 3 years

Comparison Rate*

6.48%

p.a

Promoted

Standard Variable

Real Time Rating™
Investor
5% min deposit
P&I
Offset Account
Interest Rate

9.29%

p.a

Variable

Comparison Rate*

9.44%

p.a

Heritage Bank personal loans

Promoted

Unsecured Fixed Standard Personal Loan

Real Time Rating™
1 to 7 years
Unsecured
Fixed Rate
No ongoing fees
Interest Rate

8.99%

p.a

Fixed

Comparison Rate*

9.35%

p.a

Fixed

Heritage Bank car loans

Promoted

Car Loan - Fixed

Real Time Rating™
$5k to $100k
1 to 7 years
New or used car
Fixed Rate
Interest Rate

6.69%

p.a

Fixed

Comparison Rate*

7.04%

p.a

Fixed

Heritage Bank credit cards

Promoted

Classic

Apple, Google & Samsung Pay
Low annual fee
Purchase Rate

17.99%

p.a

Annual Fee

$55

Promoted

Platinum

Apple, Google & Samsung Pay
Balance transfer

Balance Transfer

0% on Balance Transfers for 12 months
Purchase Rate

17.99%

p.a

Annual Fee

$125

Promoted

Gold Low Rate

Apple, Google & Samsung Pay
Balance transfer
No annual fee

Balance Transfer

0% on Balance Transfers for 12 months
Purchase Rate

11.80%

p.a

Annual Fee

$0

Heritage Bank savings accounts

Promoted

Target Bonus Account

Real Time Rating™
Bonus interest with conditions
App banking
Online banking
Linked account required

*Make at least one deposit and no withdrawals every month

Maximum rate

4.40%*

p.a

Base rate

0.01%

p.a

Promoted

Online Saver

Real Time Rating™
Intro offer rate
App banking
Online banking
Linked account required
Maximum rate

4.90%

p.a

Base rate

3.45%

p.a

Promoted

Pension Plus

Real Time Rating™
App banking
Online banking
Maximum rate

2.50%

p.a

Base rate

2.50%

p.a

Heritage Bank bank accounts

Promoted

Simply Access

Real Time Rating™
App banking
Online banking
Overseas ATM facilities
Visa debit card
Account Keeping Fees
ATM Fee

$0

Over 3,000 Westpac Group ATMs

Debit Card Type

Visa

Maximum Interest rate

0.01%

Heritage Bank term deposits

Promoted

Term Deposit

Real Time Rating™
1 month
Automatic maturity rollover
Joint application available
Maturity alert by email
Interest rate

1.25%

p.a

for 1 month

Min. deposit

$1,000

Next rate increased

1.50%

p.a

for 2 months

Max rate

5.00%

p.a

for 12 months