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Example Interest Rates: Home Loan Variable: 1.99% (2.01%*) • Home Loan Fixed: 2.74% (2.41%*) • Fixed: 2.74% (2.41%*) • Variable: 1.99% (2.01%*) • Investment IO: 2.2% (2.86%*) • Investment PI: 1.94% (2.9%*)

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Discount Variable - Owner…
Owner Occupied • VARIABLE • P&I
Interest*
2.9%
Comparison*
2.95%
   
Enjoy a low rate home loan with no monthly administration fee, the ability to make additional repayments…
Discount Variable - Investment
INVESTMENT • VARIABLE • P&I
Interest*
3.13%
Comparison*
3.18%
   
Enjoy a low rate home loan with no monthly administration fee, the ability to make additional repayments…
Home Advantage Variable -…
INVESTMENT • VARIABLE • Interest Only
Interest*
3.39%
Comparison*
3.73%
   
Heritage's Variable Rate Home Loan can be a great option if you're wanting to make extra repayments
Home Advantage Fixed Rate…
Owner Occupied • FIXED • P&I
Interest*
3.99%
Comparison*
3.7%
   
Our fixed rate home loans allow you to lock an interest rate in for 1, 2, 3…
Home Advantage Fixed Rate…
INVESTMENT • FIXED • P&I
Interest*
4.19%
Comparison*
3.89%
   
Our fixed rate home loans allow you to lock an interest rate in for 1, 2, 3…
Home Advantage Fixed Rate…
INVESTMENT • FIXED • Interest Only
Interest*
4.29%
Comparison*
4.03%
   
Our fixed rate home loans allow you to lock an interest rate in for 1, 2, 3…

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Owner Occupied Variable
Interest*
1.99%
Comparison*
2.01%
   
2.28%
2.28%
   
2.51%
2.53%
   
2.64%
2.65%
   
Owner Occupied Fixed
Interest*
2.74%
Comparison*
2.41%
   
3.09%
2.49%
   
2.99%
2.64%
   
3.34%
2.74%
   
Investment Interest Only
Interest*
3.79%
Comparison*
2.55%
   
2.59%
2.62%
   
2.94%
2.7%
   
3.95%
2.71%
   
Investment Loans
Interest*
2.29%
Comparison*
2.31%
   
3.09%
2.49%
   
2.44%
2.67%
   
2.64%
2.7%
   
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The comparison rate is calculated on a secured loan of $150,000 with a term of 25 years with monthly principal and interest payments. WARNING: This comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Important Information: Applications are subject to credit approval. Full terms and conditions will be included in our loan offer. Fees and charges are payable. Interest rates are subject to change. Offer does not apply to internal refinances and is not transferable between loans. As this advice has been prepared without considering your objectives, financial situation or needs, you should consider its appropriateness to your circumstances before acting on the advice.
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