Heritage Bank Home Advantage Fixed Home Loan 2 Years | Review & Compare Home Loans

Home Advantage Package

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Interest Rate

2.39

% p.a

Fixed - 2 years

Comparison Rate*

2.96

% p.a

Maximum LVR

95%

Real Time Rating™

Monthly Repayment

$1,329

based on $300,000 loan amount for 25 years at 2.39%

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Summary
Features & fees
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Interest Rate

2.39

% p.a

Fixed - 2 years

Comparison Rate*

2.96

% p.a

Maximum LVR

95%

Real Time Rating™

Monthly Repayment

$1,329

based on $300,000 loan amount for 25 years at 2.39%

Calculate your repayments for this loan

Your estimated repayment

$1,329

based on $300,000 loan amount for 25 years at 2.39%

Based on your details, you can compare and save on the following home loans

TMD

Monthly Repayment

$1,282

based on $300,000 loan amount for 25 years at 2.07%

Interest Rate

2.07

% p.a

Fixed - 2 years

Comparison Rate*

2.65

% p.a

Interest rates ranked in the best 20%
Extra repayments and redraw facility
Free redraw facility
Split account option

Real Time Rating™

More Features

Monthly Repayment

$1,282

based on $300,000 loan amount for 25 years at 2.07%

Interest Rate

2.07

% p.a

Fixed - 2 years

Comparison Rate*

2.65

% p.a

Interest rates ranked in the best 20%
Extra repayments and redraw facility
Free redraw facility
Split account option

Real Time Rating™

More Features

Monthly Repayment

$1,308

based on $300,000 loan amount for 25 years at 1.85%

Interest Rate

1.85

% p.a

Intro 24 months

Comparison Rate*

2.21

% p.a

Interest rates ranked in the best 20%
No ongoing fees
Extra repayments and redraw facility
Free redraw facility

Real Time Rating™

More Features

Quick home loan review

For Home Advantage Fixed Home Loan 2 Years

These are the benefits of this home loan.

Interest rates ranked in the best 20%
Suitable for low deposits
Parents can sign as guarantor
Extra repayments and redraw facility
Free redraw facility

These are the drawbacks of this home loan.

No offset account
Loan reverts to higher rate after fixed period
Ongoing fee
Higher than average upfront fee
Discharge fee at end of loan

Home loan overview

For Home Advantage Fixed Home Loan 2 Years

TMD

Details
Features
Fees
Application method

Details

Maximum LVR 95%	Total Repayments $398,700 View repayment schedule »
Next LVR	Interest rate type Fixed - 2 years
Borrowing range $150k - $100m Calculate how much you can borrow	Suitable for Owner Occupiers
Loan term range 1 - 30 years	Principal & interest
Interest only	Applicable states ACT, NSW, NT, QLD, SA, TAS, VIC, WA
Make repayments Fortnightly, Monthly, Weekly

Features

Extra repayments Unlimited extra repayments	Offset account No
Redraw facility Redraw fee: $0	Split interest facility
Loan portable	Repayment holiday available
Allow guarantors	Available for first home buyers

Fees

Total estimated upfront fees 150	Application fee 0
Legal fee $0	Valuation fee $0
Settlement fee 150	Other upfront fee 0
Ongoing fee $350 annually	Discharge fee 300

Application method

Online Compare	Phone
Broker Talk to an expert	In branch

Target Market Determination

Visit Heritage Bank to view Target Market Determination.

Compare and review home loans with similar features

TMD

Interest Rate

2.54

% p.a

Fixed - 2 years

Comparison Rate*

3.78

% p.a

Cashback

Refinance and get $2,000 cashback for home loans over $250k with LVR ≤80%. Limited time offer extended, T&Cs apply. ~ Ends in 2 months

Real Time Rating™

Interest Rate

2.64

% p.a

Fixed - 2 years

Comparison Rate*

4.00

% p.a

Cashback

Refinance and get $2,000 cashback for home loans over $250k with LVR ≤80%. Limited time offer extended, T&Cs apply. ~ Ends in 2 months

Real Time Rating™

Interest Rate

2.69

% p.a

Fixed - 2 years

Comparison Rate*

4.06

% p.a

Lower than average interest rate
Suitable for low deposits
Parents can sign as guarantor
Split account option

Real Time Rating™

Interest Rate

2.27

% p.a

Fixed - 2 years

Comparison Rate*

1.95

% p.a

Interest rates ranked in the best 20%
No ongoing fees
Extra repayments and redraw facility
Free redraw facility

Real Time Rating™

FAQs

The range you can borrow from this loan is $150k to $99,999,999.

This loan option comes with a maximum loan-to-value ratio of 95 percent, which means it requires a minimum deposit of 5 percent

Heritage Bank allows you to have this loan for a range of 1 to 30 years.

Heritage Bank allows you to make repayments to this loan option through one of the following repayment schedules: fortnightly, monthly, weekly.

While it could change based on your circumstances, RateCity estimates that this loan option comes with $150 worth of upfront fees.

Yes, this loan comes with a redraw, charged at $0 if you need to use it.

Heritage Bank makes it possible to apply for this product online. Apply here.

Yes, this Heritage Bank loan is available through a broker. Find a broker to help you with your needs.

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