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Submission: On November 14 via manual from AU — Scanned from DE
Effective URL: https://www.heritage.com.au/
Submission: On November 14 via manual from AU — Scanned from DE
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Welcome to Heritage Bank
WELCOME TO HERITAGE BANK
* We're here to help you through COVID-19
A loan that helps me get away from it all. Bank you very much!
Our Car Loan can help you get away. Purchase or refinance a new or used vehicle,
up to five years old, with flexible repayment options and online redraw.
Learn more
Car Loan 4.89 % PA 5.53 % PA
Comparison Rate* See warning
Learn
Apply
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Home Loans
Let us help you find the loan that's right for you. Whether you're a first home
buyer, upgrading, refinancing or purchasing an investment property, we're here
to help.
Learn more
Home Loan rates from 2.19 % PA 3.09 % PA
New 2-Year Fixed Owner Occupied (Principal & Interest) Package Loans of
$150,000+ up to 90% LVR1 . Package criteria applies.
Comparison Rate* See Comparison Rate warning
Learn
Apply
What our customers are saying
Accounts
We can help you with your every day banking needs. If you're looking for a daily
transaction account or a competitive savings account, we can help you access
your money, your way.
* Accounts
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Credit Cards
If you're looking for a credit card with rewards, a low interest rate or no
annual fee, we have a range of cards to choose from.
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Insurance
We have you covered with our comprehensive range of insurance products.
Learn more
Useful tools
Take a look at our featured calculators and tools to help with your banking.
* Calculate your home loan repayments
* Budget planner calculator
* Personal loan borrowing power calculator
* Ways to bank with us
Migrant banking
Take a look at our simple tools and resources, including our Migrant Liaison
Service, for help with important money topics in Australia.
Learn more
Contact us 24/7
Our local Australian contact centre is waiting for you. Call 13 14 22 or if
overseas, call +617 4694 9000.
Learn more
Our Locations
Find your closest Heritage branch or ATM when you are on the go.
Learn more
COVID-19 Support
Now, more than ever, we're committed to putting people first. Learn about our
response to COVID-19 including our relief package.
Learn more
Latest News
Keep up-to-date with the latest news from Heritage Bank.
Learn more
These articles may help you
View all
10 food saving tips to reduce waste and save money
Food rescue organisation OzHarvest shares 10 quick food saving tips with
Heritage Bank, to reduce waste and help your budget.
Learn more
3 costs to consider when purchasing a car
When purchasing a car there are a number of things you'll need to keep the car
running. Here's 3 costs to consider.
Learn more
7 tips on saving money for a goal
Saving money isn't rocket science. Here's 7 tips you should consider when saving
money for a goal.
Learn more
Our top 5 best podcasts for business
Check out our top 5 recommendations on podcasts that you can listen to right now
to support you and your business.
Learn more
Top
THINGS YOU SHOULD KNOW
*
*Personal loan variable repayment terms range from 1 to 7 years. Interest rates
change and representative is based on:
* a secured or unsecured loan of $30,000 borrowed for 5 years
* with a minimum interest rate of 11.99% p.a. (12.61% p.a. comparison rate)
* the estimated total amount payable including fees is $40,597.07
Personal loan fixed repayment terms range from 1 to 7 years. Interest rates
change and representative is based on:
* a secured or unsecured loan of $30,000 borrowed for 5 years
* with a minimum interest rate of 7.99% p.a. (8.62% p.a. comparison rate)
* the estimated total amount payable including fees is $37,033.95
Car Loan fixed repayment terms range from 1 to 7 years. Interest rates change
and representative is based on:
* A secured loan of $30,000 over a term of 5 years
* With a minimum interest rate of 4.89% p.a. (5.53% comparison rate)
* The estimated total amount payable including fees is $34,407.02
Comparison rate is calculated on loans as follows:
* Standard Personal Loan - Variable, and Standard Personal Loan - Fixed
comparison rate is based on a secured or unsecured loan of $30,000 borrowed
for 5 years
* Car Loan - Fixed comparison rate is based on a secured loan of $30,000
borrowed for 5 years
WARNING: Each comparison rate applies only to the examples given and may not
include all fees and charges. Different amounts and terms will result in
different comparison rates. Costs such as redraw fees or early repayment fees,
and cost savings such as fee waivers, are not included in the comparison rate
but may influence the cost of the loan.
†*Home loan comparison rate based on a $150,000 loan over 25 years. Fixed loan
comparison rate applies only for loans with an LVR of 80% or less and a loan
amount of $150,000 to $249,999. WARNING: This comparison rate is true only for
the examples given and may not include all fees and charges. Different terms,
fees or other loan amounts might result in a different comparison rate.
Interest rates are on a per annum basis. Rates are correct as stated and subject
to change without notice. Rates shown are for new loans and do not apply to
switches or internal refinances.
1This is the rate for new owner occupied lending for borrowings up to 90% LVR,
inclusive of Lenders Mortgage insurance (if applicable).
Fixed rate loans may be subject to significant break costs, the terms and
details of which are specified in your credit contract. Rate Guarantee may be
applied.
All fixed rates are fixed for the period stated and revert to the Standard
Variable rate applying at expiration of the fixed term.
To approved applicants only. Conditions, criteria and fees apply.
Loan to Value Ratio (LVR) is the loan amount divided by the value of your
security property (determined by Heritage Bank at assessment), multiplied by
100. Owner Occupied loans have a maximum LVR of 95%, Investment loans have a
maximum LVR of 90% and Living Equity has a maximum LVR of 85%.
This advice has been prepared without taking into account your objectives,
financial situation or needs. Because of this you should, before acting on this
information, consider its appropriateness having regard to your objectives,
financial situation or needs. Target Market Determinations for applicable
products issued by Heritage Bank, can be located at www.heritage.com.au/TMD from
5 October 2021.
Generate a personalised Key Fact Sheet based on your loan amount, term and
repayments. This tool is provided to help you compare home loans from Heritage
with other financial institutions.
^The information provided is intended as general information only and has been
prepared without taking into account your objectives, financial situation or
needs. Because of this you should, before acting on this information, consider
its appropriateness having regard to your objectives, financial situation or
needs. You should consider obtaining personal investment, taxation and/or legal
advice before making any decision. Please read the relevant terms and
conditions and Product Disclosure Statement (available in-branch or at
heritage.com.au) to decide whether a product is right for you. To approved
applicants only. Condition, criteria and fees apply. Target Market
Determinations for applicable products issued by Heritage Bank, can be located
at www.heritage.com.au/TMD from 5 October 2021. Information could change without
notice.
--------------------------------------------------------------------------------
We acknowledge and honour the Traditional Owners of the land on which we meet,
work and live. We pay our respect to Aboriginal and Torres Strait Islander
cultures and to Elders past, present and emerging.
Heritage Bank Limited ©
ABN 32 087 652 024
AFSL and Australian Credit Licence 240984
1.8.2
ABOUT HERITAGE
About us
Get in touch
Careers
Site map
Our locations
ASSISTANCE
Help & Guidance
Security & Fraud Protection
Privacy policy
Site Disclaimer
Terms & Conditions
Accessibility
TALK TO US
CALL 13 14 22
Find a branch or ATM
Email us
FOLLOW US
TALK TO US
CALL 13 14 22
Call 13 14 22 Find a branch or ATM Email us
THINGS YOU SHOULD KNOW
*
*Personal loan variable repayment terms range from 1 to 7 years. Interest rates
change and representative is based on:
* a secured or unsecured loan of $30,000 borrowed for 5 years
* with a minimum interest rate of 11.99% p.a. (12.61% p.a. comparison rate)
* the estimated total amount payable including fees is $40,597.07
Personal loan fixed repayment terms range from 1 to 7 years. Interest rates
change and representative is based on:
* a secured or unsecured loan of $30,000 borrowed for 5 years
* with a minimum interest rate of 7.99% p.a. (8.62% p.a. comparison rate)
* the estimated total amount payable including fees is $37,033.95
Car Loan fixed repayment terms range from 1 to 7 years. Interest rates change
and representative is based on:
* A secured loan of $30,000 over a term of 5 years
* With a minimum interest rate of 4.89% p.a. (5.53% comparison rate)
* The estimated total amount payable including fees is $34,407.02
Comparison rate is calculated on loans as follows:
* Standard Personal Loan - Variable, and Standard Personal Loan - Fixed
comparison rate is based on a secured or unsecured loan of $30,000 borrowed
for 5 years
* Car Loan - Fixed comparison rate is based on a secured loan of $30,000
borrowed for 5 years
WARNING: Each comparison rate applies only to the examples given and may not
include all fees and charges. Different amounts and terms will result in
different comparison rates. Costs such as redraw fees or early repayment fees,
and cost savings such as fee waivers, are not included in the comparison rate
but may influence the cost of the loan.
†*Home loan comparison rate based on a $150,000 loan over 25 years. Fixed loan
comparison rate applies only for loans with an LVR of 80% or less and a loan
amount of $150,000 to $249,999. WARNING: This comparison rate is true only for
the examples given and may not include all fees and charges. Different terms,
fees or other loan amounts might result in a different comparison rate.
Interest rates are on a per annum basis. Rates are correct as stated and subject
to change without notice. Rates shown are for new loans and do not apply to
switches or internal refinances.
1This is the rate for new owner occupied lending for borrowings up to 90% LVR,
inclusive of Lenders Mortgage insurance (if applicable).
Fixed rate loans may be subject to significant break costs, the terms and
details of which are specified in your credit contract. Rate Guarantee may be
applied.
All fixed rates are fixed for the period stated and revert to the Standard
Variable rate applying at expiration of the fixed term.
To approved applicants only. Conditions, criteria and fees apply.
Loan to Value Ratio (LVR) is the loan amount divided by the value of your
security property (determined by Heritage Bank at assessment), multiplied by
100. Owner Occupied loans have a maximum LVR of 95%, Investment loans have a
maximum LVR of 90% and Living Equity has a maximum LVR of 85%.
This advice has been prepared without taking into account your objectives,
financial situation or needs. Because of this you should, before acting on this
information, consider its appropriateness having regard to your objectives,
financial situation or needs. Target Market Determinations for applicable
products issued by Heritage Bank, can be located at www.heritage.com.au/TMD from
5 October 2021.
Generate a personalised Key Fact Sheet based on your loan amount, term and
repayments. This tool is provided to help you compare home loans from Heritage
with other financial institutions.
^The information provided is intended as general information only and has been
prepared without taking into account your objectives, financial situation or
needs. Because of this you should, before acting on this information, consider
its appropriateness having regard to your objectives, financial situation or
needs. You should consider obtaining personal investment, taxation and/or legal
advice before making any decision. Please read the relevant terms and
conditions and Product Disclosure Statement (available in-branch or at
heritage.com.au) to decide whether a product is right for you. To approved
applicants only. Condition, criteria and fees apply. Target Market
Determinations for applicable products issued by Heritage Bank, can be located
at www.heritage.com.au/TMD from 5 October 2021. Information could change without
notice.
We acknowledge and honour the Traditional Owners of the land on which we meet,
work and live. We pay our respect to Aboriginal and Torres Strait Islander
cultures and to Elders past, present and emerging.
Heritage Bank Limited ©
ABN 32 087 652 024
AFSL and Australian Credit Licence 240984
1.8.2
ABOUT HERITAGE
About us
Get in touch
Careers
Site map
Our locations
ASSISTANCE
Help & Guidance
Security & Fraud Protection
Privacy policy
Site Disclaimer
Terms & Conditions
Accessibility
FOLLOW US
TOP