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 Home Loan rates from
2.19 % PA 2.24 % PA
Owner Occupier (Principal & Interest) $700,000 or more - less than 70% LVR
Comparison Rate* See Comparison Rate warning

Features

  • Redraw facility
  • Ability to skip repayments if additional repayments have been made
  • Minimum loan amount $150,000 or minimum total lending with Heritage of $150,000 at time of application
  • A Mozo Experts Choice award winning loan

More features

  • 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 rates from
4.49 % PA 4.64 % PA
New Owner Occupied (Principal & Interest) Loans
Comparison Rate* See Comparison Rate warning

Features

  • 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

More features

  • Option to make additional or lump sum repayments
  • 100% Offset account available
  • Construction loan available