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Fixed Rate Home Loan 5 Years

SpecialNo application fee for new customers. Offer only available for new customers till 31st of May 2018.
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Customise your mortgage repayments by entering your details:

I want to borrow

Loan Term

years

Repayment Frequency

Pros and Cons

Pros:
  • Suitable for low deposits
  • Parents can sign as guarantor
  • Extra repayments + redraw services
  • Repayments will not change during fixed period
Cons:
  • Discharge fee at end of loan
  • Repayments won't decrease if RBA cuts rates

Fees and Features

Maximum LVR
Maximum LVR
95%
Interest rate structure
Interest rate structure
Fixed - 5 years
Borrowing range
Borrowing range
$20k - $100m
Total repayments
Total repayments
$450,000
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term
1 - 30 years
Offset account
Offset account
Extra repayments
Extra repayments
Unlimited extra repayments
Redraw facility
Redraw facility
Redraw fee: $20
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
$8 monthly
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 - 5 years
Borrowing range
Borrowing range
$20k - $100m
Total repayments
Total repayments
$450,000
Principal & interest
Principal & interest
Interest only
Interest only
Loan term
Loan term
1 - 30 years
Offset account
Offset account
Extra repayments
Extra repayments
Unlimited extra repayments
Redraw facility
Redraw facility
Redraw fee: $20
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
$8 monthly
Discharge fee
Discharge fee
$250
Property Type
Property Type
SMSF Trustee
SMSF Trustee
Minimum SMSF Amount
Minimum SMSF Amount

Compare and review home loans with similar features

Loan Profile
Advertised rate
Advertised rate
4.39%
Fixed - 5 years
Advertised rate
4.09%
Fixed - 5 years
Advertised rate
3.88%
Variable
Advertised rate
3.87%
Variable
Comparison rate*
Comparison rate*
4.40%
Comparison rate*
4.10%
Comparison rate*
3.89%
Comparison rate*
3.89%
Monthly repayment
Monthly repayment
$1,250
Monthly repayment
$1,207
Monthly repayment
$1,176
Monthly repayment
$1,175
Total repayments
Total repayments
$450,000
Total repayments
$434,520
Total repayments
$423,360
Total repayments
$423,000
Minimum deposit %
Minimum deposit %
5%
Minimum deposit %
20%
Minimum deposit %
5%
Minimum deposit %
5%
Loan Fees
Estimated upfront fees
Estimated upfront fees
$150.00
Estimated upfront fees
$0
Estimated upfront fees
$100.00
Estimated upfront fees
$150.00
Settlement fee
Settlement fee
$150
Settlement fee
$0
Settlement fee
$100
Settlement fee
$150
Discharge fee
Discharge fee
$250
Discharge fee
$0
Discharge fee
$350
Discharge fee
$250
Ongoing fee
Ongoing fee
$350 annually
Ongoing fee
$0
Ongoing fee
$0
Ongoing fee
$0
Repayments Redraws
Offset account
Offset account
Partial offset account
Offset account
Offset account
Offset account
Redraw facility
Redraw facility
Redraw fee: $0
Redraw facility
Redraw facility
Redraw fee: $0
Redraw facility
Redraw fee: $20
Extra repayments
Extra repayments
Unlimited extra repayments
Extra repayments
Not Allowed
Extra repayments
Unlimited extra repayments
Extra repayments
Unlimited extra repayments
Interest Rate Options
Interest rate structure
Interest rate structure
Fixed - 5 years
Interest rate structure
Fixed - 5 years
Interest rate structure
Variable
Interest rate structure
Variable
Allows split interest
Allows split interest
Allows split interest
Allows split interest
Allows split interest
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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.

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