Home Advantage Package

When your client packages their standard variable, fixed rate or living equity loan together with a credit card and transaction account, they could save thousands with discounts on interest rates and fee waivers. Our all-in-one Home Advantage Package is ideal if your client wants to have all their main banking needs in one package with one annual fee. N.B. In order to qualify and receive the benefits for any product under the home advantage package customers must hold and maintain an eligible credit card and an eligible home loan, and pay the annual package fee.

Home Advantage Variable from

3.17 % PA
3.54 % PA
Comparison Rate *
Rates effective from 15/10/2019
  • Pay no annual fee for the first year for selected Home Advantage package loans.  Hurry, offer ends 31 October 2019^
  • $0 application fee
  • 100% Offset account available
  • One low annual package fee of $350
  • No annual fee on the Heritage Credit Card of your choice
  • $0 account keeping and transaction fees on transaction account
  • Minimum loan amount $150,000 or minimum total lending with Heritage of $150,000 at time of application
  • Discount on Variable & LOC rates
  • Option to make additional or lump sum repayments
  • Great discounts on insurance policies
  • Construction loan available
  • Family Guarantee available

Home Advantage Fixed from

2.99 % PA
3.61 % PA
Comparison Rate *
Rates effective from 15/10/2019
  • Pay no annual fee for the first year for selected Home Advantage package loans.  Hurry, offer ends 31 October 2019^
  • $0 application fee
  • One low annual package fee of $350
  • No annual fee on the Heritage Credit Card of your choice
  • $0 account keeping and transaction fees on transaction account
  • Minimum loan amount $150,000 or minimum total lending with Heritage of $150,000 at time of application
  • Option to make additional or lump sum repayments
  • Great discounts on insurance policies
  • Construction loan available
  • Family Guarantee available

Home Advantage Living Equity - Owner-Occupied from

4.50 % PA
Rates effective from 15/10/2019
  • $0 application fee
  • One low annual package fee of $350
  • No annual fee on the Heritage Credit Card of your choice
  • $0 account keeping and transaction fees on transaction account
  • Minimum loan amount $150,000 or minimum total lending with Heritage of $150,000 at time of application
  • Option to make additional or lump sum repayments

All Heritage Products have these great features

  • Interest is calculated daily
  • Direct Salary credit to loan
  • Available for non-residents
  • Transaction accounts which have free transactions
  • LMI is applicable when LVR is more than 80%
  • LMI can be capitalised - max 95% LVR for Owner Occupied loans and max 90% LVR for Investment loans
  • Internet and phone banking are available
  • Can switch between all products except into Living Equity and Bridging Loans
  • Repayment method – minimum monthly repayment can be paid at any time during the month
  • Additional repayments can be made, with no maximum repayment amounts
  • Progressive Valuation Fees apply (excludes Living Equity and Bridging Loan) – ask your BDM