Variable Rate Home Loans

Discount Variable
Looking for the lowest possible rate, and don't need an offset account? Our Discount Variable home loan could be perfect for your client. With no monthly administration fee, and one of the lowest variable rates in Australia, our Discount Variable is cheap as chips. Plus your client can still make unlimited extra repayments to get the balance down sooner.

Discount Variable from

3.67 % PA
3.69 % PA
Comparison Rate *
Rates effective from 20/08/2018
  • Pay no application fee and save up to $600 on your clients home loan.  Hurry, offer ends 31 October#
  • Redraw facility
  • Ability to skip repayments if additional repayments have been made
  • Minimum loan amount $150,000
  • A Mozo Experts Choice award winning loan
  • Flexible repayment frequency e.g. weekly, fortnightly, monthly
  • Option to make additional repayments/capital reduction without penalty
  • Construction loan available
Standard Variable
This home loan is a great option for clients who want to make extra repayments and pay out their loan in the medium term.

Standard Variable from

5.19 % PA
5.30 % PA
Comparison Rate *
Rates effective from 20/08/2018
  • Pay no application fee and save up to $600 on your clients home loan.  Hurry, offer ends 31 October#
  • Redraw facility
  • Ability to skip repayments if additional repayments have been made
  • Minimum loan amount from $20,000
  • Flexible repayment frequency e.g. weekly, fortnightly, monthly
  • Option to make additional or lump sum repayments
  • 100% Offset account available
  • Construction loan available

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)
  • 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.