Terms & Conditions:

*Effective date 12/9/18. The ‘Home Dream’ competition is available from 12/9/18 and closes 30/11/18. To be eligible entrants must be over 18 years of age, an Australian resident and have completed the competition entry form available on our website. Only one entry per person. Bank of Heritage Isle employees and their immediate families are not eligible to win the prize. Entry to this competition is free. The judges reserve the right to disqualify any entrant submitting an entry which, in the opinion of the judges, includes incomprehensible, incomplete or objectionable content. Bank of Heritage Isle reserves the right to withdraw or amend the competition as necessary due to circumstances outside its control. All entries become the property of the Promoter. Entrants consent to the promoter using their name and entry details in connection with marketing materials. By submitting the entry form, you agree to our terms and conditions and agree to receive marketing communication from Bank of Heritage Isle. You will be given the opportunity to unsubscribe from every marketing communication that we send you. There is one prize of $5,000 cash to be won. The winner will be selected by a panel of bank judges based the originality of the entry on 3/12/18 at Police Bank, 25 Pelican Street, Surry Hills NSW 2010. The winner will be notified via email or phone on 3/12/18 between 10.00am and 4.00pm (AEST). The winner’s name will be published on our website. If the prize is unclaimed by 4/3/19 a redraw will occur on 4/3/19 at Police Bank, 25 Pelican Street, Surry Hills NSW 2010. The prize of $5,000 cash will be deposited into the winner’s Bank of Heritage Isle S1 account within 5 business days. If the winner does not have a Bank of Heritage Isle S1 account, one will be opened for them.

^Effective date: 8/10/18. Terms, conditions, fees, charges and lending criteria apply and are available on request or at heritageisle.com.au/small The Special Offer Goldrate Home Loan is only available to new owner-occupied borrowers who apply between 8/10/18 – 12/4/19 and have their loan funded by 7/6/19. Not available for investment purposes or 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 cannot be split with a fixed term or any other Bank of Heritage Isle Home Loan product. A maximum Loan to Valuation Ratio (LVR) of 90% including the capitalisation of Mortgage Protection Insurance and Lenders Mortgage Insurance (LMI) applies. LMI may be required for loans with a LVR greater than 80%. Special Offer Goldrate Home Loan is a limited time offer and can be withdrawn at any time.

*The interest rate and comparison rate are current as at 8/10/18 and are subject to change. 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.

Fixed Rate Loan
Schedule of Fees and Charges (PDF)
Financial Services Guide (PDF)