Discount Variable - Owner Occupied

General Lending Rates

Product Variations

Product Features

• Other Additional Information: Get a competitive low variable interest rate on our simple Discount Variable Rate Home Loan

• Other Additional Information: Make unlimited additional repayments

• Redraw Additional Information: Online redraw available

• Other Additional Information: Loan terms from 1 to 30 years

• Other Additional Information: Family Guarantee options and Build Loans available

Product Eligibility

• Min Age - 18.

• Residency Status - A Citizen Or Permanent Resident Of Australia Or New Zealand.

• Other Additional Information: Lending criteria apply

Bank Fees and Charges

• Paper Based Statement Fee (Variable), Amount: 3.00. Additional Information: Fee is charged for each paper statement issued as per your account statement cycle. Excludes eStatements which are free of charge.

• Application Fee (Upfront), Amount: 0.00.

• Monthly Fee (Event), Amount: 0.00.

• Settlement Fee (Event), Amount: 210.00.

• Loan Finalisation Fee (Exit), Amount: 345.00.

• Cheque Fee (Upfront), Amount: 10.00.

• Title Registration Fee (Variable), Amount: Not Listed.. Additional Information: amount charged by Government

• Default Fee (Event), Amount: 30.00. Additional Information: Every month until not in default

• Special Request Transaction Listing Fee (Event), Amount: 7.50.

• Enforcement Fee (Event), Amount: 20.00.

• Telegraphic Transfer Fee (pexa Settlements) (Event), Amount: 35.00. Additional Information: Payable to ANZ Banking Group or Westpac Banking Corporation on Settlement if any of the amount of credit is telegraphically transferred.

• Renegotiation Fee (Event), Amount: 250.00.

• Substitute Security Fee (Event), Amount: 450.00.

• Partial Release Processing Fee (Event), Amount: 220.00.

• Partial Release Assessment Fee (Event), Amount: 100.00.

• Capital Reduction Recalculation Fee (Event), Amount: 75.00.

• Change Of Term Fee (Event), Amount: 75.00.

• Document/record Search Fee (Event), Amount: 12.00.

• Direct Debit Dishonour Fee (Event), Amount: 10.00.

• Redraw Administration Fee (Event), Amount: 20.00. Additional Information: while you do not meet the package eligibility criteria & not completed online

• Consent Fee (Event), Amount: 200.00.

• Production Fee (Event), Amount: 100.00. Additional Information: if Heritage is required to produce a security document to the State's Land Titles Authority or agency

• Title Search (Variable), Amount: Not Listed.. Additional Information: The amount charged to Heritage per search per title.

• Title Search - Payable To Agent/solicitor (Variable), Amount: Not Listed.. Additional Information: The amount charged to Heritage by the Agent or Solicitor

• Agent's Fees (Variable), Amount: Not Listed.. Additional Information: Agent's fee payable to any agent used by Heritage or its solicitor to attend settlement or stamp, lodge or register a document on settlement of Loan.

• Bank Cheques Cost Payable To Any Bank Issuing A Bank Cheque For Settlement On Settlement Of Loan. (Variable), Amount: Not Listed.. Additional Information: The amount charged by the bank to Heritage, its Agent or your Solicitor (currently estimated at approximately $12.00 per cheque).

• Further Advance Application Fee (Variable), Amount: Not Listed.. Additional Information: $7.50 per $1,000 applied for

• Valuer's Fee May Become Payable To Valuation Exchange Pty Ltd If Heritage Obtains A Valuation For A Property Subject To A Security In Connection With A Proposed Transaction (such As An Application For A Further Advance Or An Application To Substitute Securities). (Variable), Amount: Not Listed.. Additional Information: The amount charged to Heritage

• Council Mortgage Notification Fee (Variable), Amount: Not Listed.. Additional Information: The amount charged by the local government

• Mortgage Dealing Fee (Variable), Amount: Not Listed.. Additional Information: Fee is charged per dealing

• Qbe - Lenders Mortgage Insurance (Variable), Amount: Not Listed.. Additional Information: The amount of the fee is variable. See terms and conditions for details

• Guarantor Fee (Event), Amount: 200.00. Additional Information: Payable for having a guarantee listed as security on your loan.

• Trust/company Document Examination Fee (Event), Amount: 250.00. Additional Information: Payable on application for trust/company structures

• Collateral Security Preparation Fee (Event), Amount: 100.00. Additional Information: Payable when taking security over a new Collateral Security Property (any security other than the first new security), on application.

• Approval Request Fee (Variable), Amount: Not Listed.. Additional Information: Payable if you ask for our approval under the credit contract or a security in relation to a transaction or proposal.

• Telegraphic Transfer Fee (Event), Amount: 30.00. Additional Information: Payable if money lent to you is telegraphically transferred within Australia.

 Limitations & Restrictions (Constraints)

• Min Limit of 20000.00