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Example Interest Rates: Home Loan Variable: 1.89% (1.9%*) • Home Loan Fixed: 1.84% (2.11%*) • Fixed: 1.84% (2.11%*) • Variable: 1.89% (1.9%*) • Investment IO: 2.05% (4.36%*) • Investment PI: 1.58% (2.72%*)

  Home Advantage Fixed Rate Home Loans - Owner Occupied

Our fixed rate home loans allow you to lock an interest rate in for 1, 2, 3 or 5 years so you know exactly what your repayments will be.
Category: Home Loans  Last Updated April 26, 2022  Effective May 8, 2022

 General Lending Rates

Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information Home Advantage 1 Year Fixed;;LVR<=95%;Loan Amount >=$150,000;;
Interest Rate
2.99% PA
Comparison Rate
2.94%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  OWNER_OCCUPIED, FIXED, 3.84%
  • Lending Rate Type: Fixed
  • Interest Rate: 3.84%, Comparison Rate 3.23%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 4.39%
  • Lending Rate Type: Fixed
  • Interest Rate: 4.39%, Comparison Rate 3.65%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied
  OWNER_OCCUPIED, FIXED, 2.99%
  • Lending Rate Type: Fixed
  • Interest Rate: 2.99%, Comparison Rate 2.94%
  • Repayment Type: Principal And Interest
  • Loan Purpose: Owner Occupied

 Product Features

  • Other Additional Information: Lock in a competitive rate for a fixed term and get certainty of repayments
  • Other Additional Information: Save with no home loan establishment fee, pay $0 annual credit card fee and get discounts on insurance (annual package fee applies)
  • Other Additional Information: Make unlimited additional repayments without penalty provided the loan is not repaid in full during the fixed rate period
  • Redraw Additional Information: Online redraw available
  • Other Additional Information: Fixed rate terms of 1, 2, 3 or 5 years, with 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

  • Settlement Fee (Upfront), Amount: 150.00.
  • Loan Finalisation Fee (Exit), Amount: 300.00.
  • Package Annual Fee (Periodic), Amount: 350.00.
  • Cheque Fee (Upfront), Amount: 10.00. Additional Information: $10 per cheque
  • Title Registration Fee (Variable), Amount: Not Listed..
  • Default Fee (Event), Amount: 30.00. Additional Information: will be charged monthly until no longer in default
  • Special Request Transaction Listing Fee (Event), Amount: 7.50. Additional Information: $7.50 per page
  • Enforcement Fee (Event), Amount: 250.00.
  • Telegraphic Transfer Fee (Event), Amount: 35.00.
  • Renegotiation Fee (Event), Amount: 250.00.
  • Substitute Security Fee (Event), Amount: 450.00.
  • Partial Release Processing Fee (Event), Amount: 200.00. Additional Information: $200 per security
  • Partial Release Assessment Fee (Event), Amount: 100.00. Additional Information: $100 per security
  • Capital Reduction Recalculation Fee (Event), Amount: 75.00.
  • Change Of Term Fee (Event), Amount: 75.00.
  • Interest Recalculation Fee (Event), Amount: 20.00.
  • Document/record Search Fee (Event), Amount: 12.00. Additional Information: $12 per item
  • 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
  • Electronic Conveyancing Transaction Service Fee (pexa) (Event), Amount: 76.12.
  • Consent Fee (Event), Amount: 200.00. Additional Information: Consent to the registration of a Land Titles document over the security property to a third party
  • 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
  • Special Clearance Fee (Variable), Amount: Not Listed.. Additional Information: $15.00 (special clearance by mail) or $60.00 per hour plus cost, with a minimum of $30.00 (special clearance by hand delivery)
  • 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: Up to $47.55 per dealing
  • Break Fee (Variable), Amount: Not Listed.. Additional Information: Calculating the interest amount that Heritage would have received over the remaining fixed rate period of your Loan less the interest amount Heritage will receive on a comparable loan for the remaining fixed rate period at the date the Credit Contract is paid out.
  • Rate Guarantee Fee (Variable), Amount: Not Listed.. Additional Information: The fee is calculated at 0.15% of the basic loan amount, Where the 0.15% fee does not calculate to a whole dollar value, e.g. $157,400 x 0.15% = $236.10, the system will process the fee at a rounded down amount to the dollar, e.g. $236.00
  • Qbe - Lenders Mortgage Insurance (Variable), Amount: Not Listed..

 Limitations & Restrictions (Constraints)

  • Min Limit of 20000.00

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