Important disclosure

5.29
% p.a
Fixed - 2 years
6.20
% p.a
$1,323
based on $300,000 loan amount for 25 years at 5.29%
Calculate your repayments for this loan
Your estimated repayment
$1,323
based on $300,000 loan amount for 25 years at 5.29%
Heritage Bank home loans are available through brokers who can help find the right loan and manage your application at no charge.
MD Mahbub ur Rahman Chowdhury
Get expert advice from a home loans specialist.
Hi, My name is MD Mahbub Ur Rahman Chowdhury. I am a professional mortgage broker. I have excellent analysis knowledge which can help my client to achieve their financial needs. I can help my client to choose a suitable home loan product. I can explore clients' needs and benefits and based on that I can find the best product for my clients. I can do Home loans, Personal loans, car loans, and construction loans. I have excellent communication and negotiation skills which can help me to negotiate between clients and the Lender. My main goal is to help my clients and make them happy I will provide the best service to my clients.
Response time: in 31 minutes | Our brokers call during business hours between 9.00am to 6.00pm.
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.
Response time: in 31 minutes | Our brokers call during business hours between 9.00am to 6.00pm.
John Valentine
Get expert advice from a home loans specialist.
I have a professional background with 19 years’ experience as a Mortgage Broker.. My loyal client base has been built by providing a high level of service to my clients. A key part of my service is to understand all client requirements and then work out a cost-effective solution that meets their needs. Over the years, I have developed excellent relationships with lenders, which enables me to offer a range of solutions. My knowledge of various lenders’ complex policies and products, allows me to set-up loan structures that meet the needs of each client, while fitting-in with lender credit requirements. I provide a variety of financial services, including: - residential finance - construction loans - business & commercial loans - SMSF loans - Reverse Mortgages etc I deal with all types of clients: - first home buyers - experienced investors - PAYG - self-employed borrowers - companies and trusts. I hold an Australian Credit Licence (477288).
Response time: in 31 minutes | Our brokers call during business hours between 9.00am to 6.00pm.

Neat Home Loan
3.14
% p.a
Variable
3.16
% p.a
A straightforward home loan with a low variable rate, unlimited extra repayments with redraw, and no ongoing fees.
Quick home loan review
For Fixed Rate Investment Loan (Interest Only) 2 Years
These are the benefits of this home loan.
- Interest rates ranked in the best 20%
- Redraw facility available
- Parents can sign as guarantor
- Extra repayments and redraw facility
- Split account option
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 Fixed Rate Investment Loan (Interest Only) 2 Years
- Details
- Features
- Fees
- Application method
Details
Maximum LVR 90% | Total Repayments $396,900 |
Interest rate type Fixed - 2 years | |
Borrowing range
$20k
-
$100m
| Suitable for Investors |
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: $20 | 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 $8 monthly | Discharge fee 345 |
Application method
Online | Phone |
Broker | In branch |
- Cashback $2000 cashback on Heritage home loanTo qualify for the Cashback, you'll need to: Apply for an eligible home loan between 20 July 2022 and 30 September 2022 and settle on or before 31 December 2022; and Open or hold either a Simply Access or a Mortgage Crusher transaction account under the same membership as your loan; and Have your salary credited by your employer at least twice to this transaction account within 60 days of your home loan settling. An eligible home loan is one of the following Heritage home loans: Discount Variable; Standard Variable (including Home Advantage Package eligible loans); Fixed Rate (including Home Advantage Package eligible loans); and Your total lending must be a minimum of $500,000, but this can be across multiple loan accounts and/or related memberships.
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?