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Things you should know

*Comparison Rate based on a $150,000 loan over 25 years with monthly repayments. WARNING: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amount might result in a different comparison rate. Home Advantage Fixed loan comparison rate based on an LVR of 80%.

Interest rates are current as at the effective date listed on our Home Loan Interest Rates for New Lending (PDF) and subject to change without notice. Interest rates shown are for new loans and do not apply to switches or internal refinances.

Home Advantage Package rates are the rates after the application of the Package discount. Discounts are based on total lending in the Package. To qualify for the Home Advantage Package, your client must take out an eligible Home Loan of $150,000 or more, and an eligible credit card. An annual package fee is payable.

All fixed rates are fixed for the period stated and revert to the variable rate applying at expiration of the fixed term. Fixed rate loans may be subject to significant break costs, the terms and details of which are specified in your client's credit contract. Rate Guarantee may be applied for a fee.

LVR restrictions apply. Owner Occupied Fixed Rate, Standard Variable and Discount Variable Loans have a maximum LVR of 95%. Investment loans have a maximum LVR of 90% and Bridging Loans have a maximum LVR of 72%. Loan to Value Ratio (LVR) is the loan amount divided by the value of your client's security property (determined by Heritage Bank at assessment), multiplied by 100.

Lending criteria, limits, conditions, fees and charges apply.

This advice has been prepared without taking into account your clients objectives, financial situation or needs. Because of this you should, before acting on this information, consider its appropriateness having regard to your clients objectives, financial situation or needs. Target Market Determinations available at www.heritage.com.au/TMD.

†

Calculator information

Different Conditions, Criteria and Fees apply to Investment loans. Interest Only repayments are not available on Owner Occupied loans.

These calculations are intended as a general guide only. These calculations do not constitute an offer of credit or a quote and are only an estimate of what your client may be able to borrow based on the accuracy of the information provided. These calculations do not take into account any product features, conditions or applicable fees. The output of the calculator is subject to the assumptions provided and are subject to change.

Calculator assumptions

Length of months are assumed to be of equal length. In reality, many loans accrue on a daily basis leading to a varying number of day's interest dependent on the number of days in the particular month.
One year is assumed to contain exactly 52 weeks or 26 fortnights. This implicitly assumes that a year has 364 days rather than the actual 365 or 366 days.
In practice, repayments are rounded to at least the nearest dollar.
The repayments are based on monthly contractual repayments and are adjusted to produce the appropriate weekly or fortnightly amount.
Construction loans are assumed to include a 2 year interest only period during construction

Interest Rates

All interest rates referred to in the calculator are current and are subject to change. All fixed rates are fixed for the period state and revert to the variable rate applying at expiration of the fixed term, which may change the calculations. If a Variable Rate Loan is selected, the interest rate will be subject to change throughout the term of the loan. Early repayment costs may apply if you repay the loan early during a fixed interest rate period. When assuming ability to service a loan, Heritage may use an interest rate that is higher than the current interest rate for the loan requested.

We acknowledge and honour the Traditional Owners of the land on which we meet, work and live. We pay our respect to Aboriginal and Torres Strait Islander cultures and to Elders past, present and emerging.

Heritage Bank and People's Choice Limited ©
ABN 11 087 651 125
AFSL and Australian Credit Licence 244310

A.10.2

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