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Home Advantage Living Equity Home Loan ($250k-$700k)

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Customise your mortgage repayments by entering your details:

I want to borrow

Loan Term

years

Repayment Frequency

Pros and Cons

Pros:
  • No ongoing fees
  • 100% full offset account
  • Extra repayments + redraw services
  • Free redraw facility
Cons:
  • Discharge fee at end of loan
  • Repayments may increase if RBA raises rates

Fees and Features

Maximum LVR
Maximum LVR
85%
Interest rate structure
Interest rate structure
Variable
Borrowing range
Borrowing range
$250k - $700k
Total repayments
Total repayments
$486,000
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 ForInvestors, Line of Credit, Owner Occupiers
Applicable States
Applicable StatesACT, NSW, NT, QLD, SA, TAS, VIC, WA
Make Repayments
Make RepaymentsFortnightly, Monthly, Weekly
Estimated upfront fees
Estimated upfront fees
$150.00
Application fee
Application fee
$0
Settlement fee
Settlement fee
$150
Valuation fee
Valuation fee
$0
Legal fee
Legal fee
$0
Ongoing fee
Ongoing fee
$0 annually
Discharge fee
Discharge fee
$250
Property Type
Property Type
SMSF Trustee
SMSF Trustee
Minimum SMSF Amount
Minimum SMSF Amount
Maximum LVR
Maximum LVR
85%
Interest rate structure
Interest rate structure
Variable
Borrowing range
Borrowing range
$250k - $700k
Total repayments
Total repayments
$486,000
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 ForInvestors, Line of Credit, Owner Occupiers
Applicable States
Applicable StatesACT, NSW, NT, QLD, SA, TAS, VIC, WA
Make Repayments
Make RepaymentsFortnightly, Monthly, Weekly
Estimated upfront fees
Estimated upfront fees
$150.00
Application fee
Application fee
$0
Settlement fee
Settlement fee
$150
Valuation fee
Valuation fee
$0
Legal fee
Legal fee
$0
Ongoing fee
Ongoing fee
$0 annually
Discharge fee
Discharge fee
$250
Property Type
Property Type
SMSF Trustee
SMSF Trustee
Minimum SMSF Amount
Minimum SMSF Amount
Other Benefits
First year package fee is waived (saving $350)

Compare and review home loans with similar features

Loan Profile
Advertised rate
Advertised rate
5.56%
Variable
Advertised rate
4.39%
Variable
Advertised rate
3.59%
Variable
Advertised rate
3.88%
Variable
Comparison rate*
Comparison rate*
5.73%
Comparison rate*
4.38%
Comparison rate*
3.62%
Comparison rate*
3.89%
Monthly repayment
Monthly repayment
$1,429
Monthly repayment
$1,250
Monthly repayment
$1,135
Monthly repayment
$1,176
Total repayments
Total repayments
$514,440
Total repayments
$450,000
Total repayments
$408,600
Total repayments
$423,360
Minimum deposit %
Minimum deposit %
15%
Minimum deposit %
20%
Minimum deposit %
10%
Minimum deposit %
10%
Loan term
Loan term
1 - 30 years
Loan term
1 - 30 years
Loan term
1 - 30 years
Loan term
15 - 30 years
Investors loans
Investors loans
Investors loans
Investors loans
Investors loans
Line of credit
Line of credit
Line of credit
Line of credit
Line of credit
Loan Fees
Estimated upfront fees
Estimated upfront fees
$750.00
Estimated upfront fees
$150.00
Estimated upfront fees
$495.00
Estimated upfront fees
$0
Settlement fee
Settlement fee
$150
Settlement fee
$150
Settlement fee
$0
Settlement fee
$0
Discharge fee
Discharge fee
$250
Discharge fee
$320
Discharge fee
$180
Discharge fee
$300
Application fee
Application fee
$600
Application fee
$0
Application fee
$495
Application fee
$0
Ongoing fee
Ongoing fee
$10 monthly
Ongoing fee
$10 monthly
Ongoing fee
$350 annually
Ongoing fee
$0
Repayments Redraws
Offset account
Offset account
Offset account
100% offset account
Offset account
100% offset account
Offset account
100% offset account
Redraw facility
Redraw facility
Redraw facility
Redraw fee: $0
Redraw facility
Redraw fee: $20
Redraw facility
Redraw fee: $0
Interest Rate Options
Interest only
Interest only
Interest only
Interest only
Interest only
Principal & interest
Principal & interest
Principal & interest
Principal & interest
Principal & interest
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Heritage Bank is a Queensland-based mutual bank that is owned by its customers rather than shareholders.

Heritage Bank offers a wide range of fixed and variable mortgages and charges home loan rates that tend to be below the market average.

Heritage Bank is Australia’s largest mutual bank and has branches throughout Queensland.

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