| Home Loan | Max LVR (LMI may apply3) |
Variable Rate | Fixed Rate Option | Investment Loan | Construction Loan | Interest Offset | Principal & Interest | Interest Only | Split Facility | Pre-approval Available | Redraw Facility | No ongoing / monthly fees | Establishment Fee | Reduced Fees Program1 | No Early Exit Fee | Monthly Account Fee |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Limited Time Offer Goldrate Home Loan4 | comparison rate^ More Info | 70% |  |
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$545 | |
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| Special Offer Goldrate Home Loan~ | comparison rate^ More Info | 90% | |
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$545 | |
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| Goldrate Home Loan# | comparison rate^ More Info | 95% (Owner Occupied) 80% (Investor) |
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$545 | |
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| Value Home Loan* | comparison rate^ More Info | 95% (Owner Occupied) 80% (Investor) |
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$545 | |
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| Premium Home Loan Owner Occupied | comparison rate^ Investment | comparison rate^ More Info | 95% (Owner Occupied) 80% (Investor) |
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$545 | |
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| Fixed Rate Home Loan From | comparison rate^ More Info | 95% (Owner Occupied) 80% (Investor) |
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$545 | |
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| Bridging Home Loan From | comparison rate^ More Info | 80% | |
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$880 | |
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Terms & Conditions
Effective Date:
Terms and conditions apply and are available on request. Fees and charges and lending criteria apply.
^ The comparison rate is based on a loan of $150,000 over a 25 year term. 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.
# Minimum loan amount is $50,000. Existing Bank of Heritage Isle borrowers must borrow minimum $50,000 additional funds to be eligible. Terms and conditions apply and are available on request. Fees and charges and lending criteria apply.
~Special Offer Goldrate Home Loan is only available to new owner-occupied borrowers who apply between 1/3/19– 28/6/19 and have their loan funded by 20/9/19. Not available for refinancing of existing Bank of Heritage Isle loans. Special Offer Goldrate Home Loan cannot be taken in conjunction with any other offer, bonus or discount. Special Offer Goldrate Home Loan is a limited time offer and can be withdrawn at any time.
* Rate discounted against Premium Home Loan. Terms and conditions apply and are available on request. Fees and charges and lending criteria apply.
1. The Reduced Fees Program rewards you for doing business with the Bank of Heritage Isle. The program gives you more fee free personal cheques, electronic periodical payments, ATM and EFTPOS transactions than would normally apply to our Members accounts. Refer to Schedule Fees and Charges brochure and Reduced Fees Program terms and conditions.
2. May apply if fixed term applies.
3. Lenders Mortgage Insurance (LMI) required for Loans with LVR greater than 80%. Loans with LVR 80% or lower do not require LMI. Loans with LVR greater than the maximum for each Loan type may be not eligible.
4. Limited Time Offer Goldrate Home Loan is only available to new owner-occupied borrowers who apply between 18/04/19 – 30/6/19 and have their loan funded by 31/8/19. Not available for refinancing of existing Bank of Heritage Isle loans. Limited Time Offer Goldrate Home Loan cannot be taken in conjunction with any other offer, bonus or discount, with the exception of the $1500 Bonus offer. Limited Time Offer Goldrate Home Loan cannot be split with a fixed term or any other Bank of Heritage Isle Home Loan product. Limited Time Offer Goldrate Home Loan can be withdrawn at any time.
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