Just because you have a home loan, your holiday dreams don't have to go on hold. (Principal and Interest) ($75k-$500k, LVR < 80%)
3.73%
3.87%
Reward Me Variable Rate Home Loan
Maximum LVR | Maximum LVR 95% |
|---|---|
Interest rate structure | Interest rate structure Fixed - 2 years |
Borrowing range | |
Total repayments | |
Principal & interest | Principal & interest |
Interest only | Interest only |
Loan term | Loan term 1 - 30 years |
Offset account | Offset account Partial 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 $150.00 |
Application fee | Application fee $0 |
Settlement fee | Settlement fee $150 |
Valuation fee | Valuation fee $0 |
Legal fee | Legal fee $0 |
Ongoing fee | Ongoing fee $350 annually |
Discharge fee | Discharge fee $250 |
Property Type | Property Type |
SMSF Trustee | SMSF Trustee |
Minimum SMSF Amount | Minimum SMSF Amount |
Maximum LVR | Maximum LVR 95% |
|---|---|
Interest rate structure | Interest rate structure Fixed - 2 years |
Borrowing range | |
Total repayments | |
Principal & interest | Principal & interest |
Interest only | Interest only |
Loan term | Loan term 1 - 30 years |
Offset account | Offset account Partial 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 $150.00 |
Application fee | Application fee $0 |
Settlement fee | Settlement fee $150 |
Valuation fee | Valuation fee $0 |
Legal fee | Legal fee $0 |
Ongoing fee | Ongoing fee $350 annually |
Discharge fee | Discharge fee $250 |
Property Type | Property Type |
SMSF Trustee | SMSF Trustee |
Minimum SMSF Amount | Minimum SMSF Amount |
| Loan Profile | ||||
|---|---|---|---|---|
| Advertised rate | Advertised rate 3.94% Fixed - 2 years | Advertised rate 3.99% Fixed - 2 years | Advertised rate 3.79% Fixed - 2 years | Advertised rate 3.99% Fixed - 2 years |
| Comparison rate* | Comparison rate* 5.25% | Comparison rate* 3.87% | Comparison rate* 4.33% | Comparison rate* 4.70% |
| Monthly repayment | Monthly repayment $1,185 | Monthly repayment $1,192 | Monthly repayment $1,163 | Monthly repayment $1,192 |
| Total repayments | Total repayments $426,600 | Total repayments $429,120 | Total repayments $418,680 | Total repayments $429,120 |
| Minimum deposit % | Minimum deposit % 5% | Minimum deposit % 10% | Minimum deposit % 10% | Minimum deposit % 20% |
| Loan Fees | ||||
| Estimated upfront fees | Estimated upfront fees $800.00 | Estimated upfront fees $150.00 | Estimated upfront fees $0 | Estimated upfront fees $595.00 |
| Settlement fee | Settlement fee $200 | Settlement fee $150 | Settlement fee $0 | Settlement fee $0 |
| Discharge fee | Discharge fee $350 | Discharge fee $320 | Discharge fee $250 | Discharge fee $250 |
| Application fee | Application fee $600 | Application fee $0 | Application fee $0 | Application fee $595 |
| Ongoing fee | Ongoing fee $8 monthly | Ongoing fee $10 monthly | Ongoing fee $350 annually | Ongoing fee $0 |
| Repayments Redraws | ||||
| Offset account | Offset account Partial offset account | Offset account | Offset account 100% offset account | Offset account 100% offset account |
| Redraw facility | Redraw facility | Redraw facility | Redraw facility Redraw fee: $0 | Redraw facility Redraw fee: $0 |
| Enquire Now | Enquire Now | View Now | View Now | |
Questions? We’re only a call away.
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.
