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RateCity Says: Bundle your home loan with a Heritage Bank credit card with discounted fees, plus access a 100% offset account and unlimited extra repayments

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3.19
% p.a
Variable
3.58
% p.a
$1,452
based on $300,000 loan amount for 25 years at 3.19%

On this page
3.19
% p.a
Variable
3.58
% p.a
$1,452
based on $300,000 loan amount for 25 years at 3.19%
Calculate your repayments for this loan
Your estimated repayment
$1,452
based on $300,000 loan amount for 25 years at 3.19%
Quick home loan review
For Home Advantage Variable Home Loan ($250k-$700k) (LVR 70%-80%)
These are the benefits of this home loan.
- Interest rates ranked in the best 20%
- 100% full offset account
- Parents can sign as guarantor
- Extra repayments and redraw facility
- Free redraw facility
- Split account option
These are the drawbacks of this home loan.
- Ongoing fee
- Higher than average upfront fee
- Discharge fee at end of loan
Home loan overview
For Home Advantage Variable Home Loan ($250k-$700k) (LVR 70%-80%)
- Details
- Features
- Fees
- Application method
Details
Maximum LVR 80% | Total Repayments $435,600 |
Interest rate type Variable | |
Borrowing range
$250k
-
$700k
| 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 100% offset account |
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 210 | Application fee 0 |
Legal fee $0 | Valuation fee $0 |
Settlement fee 210 | Other upfront fee 0 |
Ongoing fee $350 annually | Discharge fee 345 |
Application method
Online | Phone |
Broker | In branch |
Target Market Determination
Visit Heritage Bank to view Target Market Determination.
Other Benefits
100% offset account available on variable loans
Other Restrictions
Minimum balance to receive offset is $500
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