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Find essential information about Heritage Bank home loans on this page. Skip ahead to the full table of products or read more about Heritage Bank home loans below.
Compare Heritage Bank home loans below. Hit "load more" to see a fuller selection of home loans and hit "Go to site" to start your application process.
| Feature | Details |
|---|---|
| Offset account | Some Heritage Bank mortgages come with a 100% offset account, depending on the product and your borrowing situation. |
| Deposit | Some heritage bank home loans let you borrow up to 95%. These include the Heritage Bank Discount Variable Home Loan - (Owner Occupier, P&I) New Customers only |
| Redraw facility | Some of Heritage Home Loans come with a redraw facility. |
You can learn more about a specific Heritage Bank mortgage by clicking through to that product's review page. Clicking the "Go to site"' button will let you enter your details and start the process of talking to an Heritage Bank lending specialist.
Each Heritage Bank product have specific eligibility criteria but some will apply to all products. For example:
When you apply for a mortgage with Heritage Bank you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:
Detailed guide to home loan applications and paperwork
Choose a competitive fixed rate with package benefits via the Heritage Bank Advantage Package Home Loan.
With the Heritage Bank Discount Variable Home Loan you can now enjoy competitive variable interest rates on your home loan with zero monthly administration fees and flexible repayment options.
Heritage Bank is committed to putting "people first" with fixed-rate home loans that offer stability and peace of mind.
The Heritage Bank Living Equity Line of Credit home loan gives you a flexible loan product with good loan limits and flexible repayments.
You can use your home as a cash asset to acquire funds for various purposes including holidays. Take advantage of the Heritage Bank Reverse Mortgage Home Loan, facilitated by Heartland Seniors Finance.
Heritage Bank's Bridging Home Loan is designed for homeowners looking for a quick financing solution to buy a new home as they work on selling their current home.
Enjoy the flexibility to make additional repayments and fewer restrictions and penalties with the Heritage Bank Standard Variable Home Loan.
hi, i wondering if heritage bank provide home loans for newstart clients? im looking to buy a home for around 300 thousand dollars and have $178,000. i wish to put down $158k and use the remaining on stamp duty and other expenses. please let me know if there is any way this could work.
Hi Shane,
Thanks for your enquiry,
We cannot comment on whether Heritage Bank will provide home loans for Newstart clients as it will depend on a range of factors including any other income or benefits you receive, your assets, liabilities, and credit score. Most banks treat this kind of application on a case-by-case basis.
You can learn more about home loans for Centrelink recipients where you can also get in touch with a mortgage broker who can draw upon their panel of lenders to find one that’s more likely to review your application.
Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.
Thanks,
Belinda
Is there a branch in Cairns.
Hi Margaret,
Thanks for your question.
There are no locations within 400km of Cairns. Please call Heritage Bank’s contact centre and they will be pleased to assist.
Cheers,
Shirley
What percentage of the value of my house can I have equity line of credit?
Hi Chris,
thanks for the question.
This will depend on the amount you wish to borrow. If you intend to borrow up to $200,000 with the Heritage Bank Living Equity loan you might be able to borrow up to 85% of your property value. If you borrow between $200- $300,000, you might be able to borrow up to 80% of your property, and for amounts higher than this you could be able to borrow up to 75% of the property value.
I hope this helps,
Marc.