On this page
Home Advantage Package
RateCity Says: Fix your rate for two years with the option of unlimited extra repayments plus redraw, and benefit from waived fees and a bundled credit card with the Home Advantage Package.

On this page
Explore
4.69
% p.a
Fixed - 2 years
3.88
% p.a
$1,700
based on $300,000 loan amount for 25 years at 4.69%

On this page
4.69
% p.a
Fixed - 2 years
3.88
% p.a
$1,700
based on $300,000 loan amount for 25 years at 4.69%
Calculate your repayments for this loan
Your estimated repayment
$1,700
based on $300,000 loan amount for 25 years at 4.69%
Heritage Bank home loans are available through brokers who can help find the right loan and manage your application at no charge.
Lumbini Wekunagoda
Get expert advice from a home loans specialist.
Lumbini Wekunagoda is the founder of Melfinance. A boutique Mortgage Broker firm in Melbourne. Lumbini has a passion for helping his clients make their financial life easier. Lumbini specialises in helping people achieve their financial goals. Our goal is to educate you and empower you. With over 10 years in the Mortgage Broker Industry, Lumbini is highly experienced and known for his tenacity in helping his clients. Lumbini also has a diploma in Mortgage Broking, MBA from the University of Wales, Cert IV, MFAA, ASIC registered and licensed Mortgage Broker. Lumbini is known for giving as much of his time as is required to each client. No question is too small and no task too big. Lumbini’s clients feel as though they truly have someone on their side throughout the process. A real advocate for them who makes the whole process easy and stress-free. He also leaves them feeling comfortable that they are fully educated and empowered to make informed decisions with zero remorse. "Why do I like my role as a Mortgage Broker? I do this because I get enormous satisfaction from helping people achieve their goals and educating the. Seeing a client in a better positon after I have helped them gives me a huge buzz"
CRN: 444210
Lee HAO
Get expert advice from a home loans specialist.
Lee is a graduate of Monash University with a Bachelor of Commerce and Arts. Lee is strongly passionate about the real estate market and banks since he was a student. Driven by this passion, together with experience in consulting companies and banks, Lee hopes to educate and guide her clients throughout their real estate ownership journey. Lee believes in placing the clients at the centre of every relationship and building trust through honesty and reliability. 'I want to empower my clients' every property dream and hope to service them until they retire with rent.' 'I will not try to sell you a deal that I will not sell it to my mom.' That's his principle. We are here to fight for the best possible deal for every customer. We have a great relationship with more than 30 lenders. Not that they happen to be on our panel but we actually settled with them and know their policies and procedure inside out. We do not recommend any lenders or products without a personalized and on time research for you. So our process ensure the deals we present are in your best interest hot and fresh. Our standard operation procedure is: 1) Free consultation by phone or zoom to understand your needs. Answer your burning questions. 2) Collect information, facts and document to conduct research for you. Give us a chance and allow us to make a positive impact on your personal finance; Research will usually take 2-3 business days. For more complicate cases may take longer on notice case by case. 3) Present solutions via zoom or in person. 30-60 mins. Also including a property purchase or investment strategy session. 4) Once you made the decision it takes 2-10 business days to proceed and obtain a pre-approval or refinance formal approval. Other days and procedure will be designed and notice according to your situation. 5) Free after settlement review every year too. Service Satisfaction guarantee!!** Call me and let's chat.
CRN: 484532
MICHAEL EVANS
Get expert advice from a home loans specialist.
CA – Chartered Accountant Cert IV – Finance and Mortgage Broker Agents Representative – Real Estate Bachelor of Business – (Acct) Michael started his finance and accounting career as an Accounting graduate at KPMG. He has spent his career focused on finance and accounting, working with small to medium size business for many years. Michael’s extensive experience in the Real Estate and Property industry gives him solid knowledge of all of the steps involved in buying, selling, financing and managing property transactions. Michael has owned investment properties across Australia and has been involved in small to medium scale property developments in a variety of roles. Michael has worked across many industries throughout his career including, Real Estate, Property Development, Construction, Marketing and Advertising. Michael understands business and business structures, he has extensive knowledge of the varied requirements for business finance, from equipment through to property and business finance. Michael is focused on finding the best outcome for all of his clients, and providing personalised service.
CRN: 537543
Eric Antoniou
Get expert advice from a home loans specialist.
With over 20 years experience in banking, finance, credit and lending previously working for organisations such as Esanda, Liberty Financial, ME Bank & Bank Of Melbourne, Eric, the Director of Break Free Home Loans is well suited to assisting you with your financial needs. As lending specialists, Break Free Home Loans know the key to success is understanding your requirements, needs and objectives. We know how each of the various lenders work and operate thus we can search the available market to pair you up with your ideal lender and financial solution. With access to a pool of over 40+ lenders, we are confident that we can find your ideal fit. We will complete all your checks, deal with the lender and negotiate rates and packages on your behalf. You will not have to deal with anyone except your personally assigned Break Free Home Loan specialist. We are equipped to assist you with great technology and information gathering processes that will make the application to settlement process smoother than ever before. As if that wasn’t enough, we make life convenient for you by being fully mobile. We can meet you at home, work, or even your favourite café by appointment Monday to Saturday.
CRN: 513050
Jingxia (Suzanne) Wang
Get expert advice from a home loans specialist.
With double master degrees of Professional Accounting and Commerce and over 3 years working experiences in the mortgage broking industry, Suzanne has been developing a wider sense of what her clients need and how to achieve their dreams of buying or building their own homes as well as increasing their investment property portfolio to build wealth. Suzanne loves meeting new clients and catching up with existing clients, she has a passion for delivering professional skills and experience to customise a solution for her clients to secure their financial future. On weekends she enjoys spending time with her family, reading books with her child, and going for long walks in the park. Suzanne Wang is a credit representative 534100 of BLSSA Pty Ltd ACN 117 651 760 (Australia Credit License 391237).
CRN: 484532

Variable Rate Home Loan – Refinance Only
special
Receive an extra 0.01% p.a. discount every year, up to a maximum discount of 0.30% p.a.2.64
% p.a
Variable
2.56
% p.a
Built by CBA, this home loan deal allows borrowers who refinance benefit from an ongoing loyalty discount
Quick home loan review
For Home Advantage Fixed Home Loan 2 Years
These are the benefits of this home loan.
- Lower than average interest rate
- 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
- Details
- Features
- Fees
- Application method
Details
Maximum LVR 95% | Total Repayments $510,000 |
Interest rate type Fixed - 2 years | |
Borrowing range
$150k
-
$100m
| Suitable for Owner Occupiers |
Loan term range 1 - 30 years | Principal & interest |
Interest only | Applicable states ACT, NSW, NT, QLD, SA, TAS, VIC, WA |
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 | Phone |
Broker | In branch |
Target Market Determination
Visit Heritage Bank to view Target Market Determination.
Checkout more home loans
Heritage Bank is available through brokers
Home Loans News
Popular home loans searches
FAQs
What is the minimum amount you can apply for?
What's the minimum deposit needed for this loan?
What's the maximum length for this loan?
How often can you make repayments?
How much will the upfront fees be for this loan?
Does this loan come with a redraw facility?
Where can you apply for this loan?
Can a broker help me with this loan?