Home Advantage Package

Home Advantage Package

When your client packages their Standard Variable, Fixed Rate or Line of Credit together with a credit card, 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. 

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.

Standard Variable in Home Advantage Package
2.39 % PA 2.80 % PA
New Owner Occupied (Principal & Interest) Loans in Package of $700,000+ with 70% to 80% LVR
Comparison Rate* See Comparison Rate warning

Features

  • Pay $0 home loan application fee
  • 100% offset account available on variable loans
  • Competitive $350 annual package fee
  • Pay $0 annual credit card fee
  • $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

More features

  • Access additional repayments made in advance via online redraw
  • Discount on Variable & LOC rates
  • Make unlimited additional repayments without penalty
  • Construction loan available
  • Family Guarantee options available
2 Year Fixed Rate in Package
2.39 % PA 2.96 % PA
New 2-Year Fixed Owner Occupied (Principal & Interest) Package loans of $150,000+ up to 90% LVR1.
Comparison Rate* See Comparison Rate warning

Features

  • Pay $0 home loan application fee
  • Competitive $350 annual package fee
  • Pay $0 annual credit card fee
  • $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
  • Make unlimited additional repayments without penalty

More features

Line of Credit in Home Advantage Package*
4.30 % PA
New Owner Occupied rate in Package of $700,000+. Package criteria applies.

Features

  • Pay $0 home loan application fee
  • Competitive $350 annual package fee 
  • 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
  • Make unlimited additional repayments without penalty