Effective for new business. These indicator rates are subject to change.
Savings Accounts
Easy Access Account (S1) | |
---|---|
$0 to $499 | |
$500 to $20,000 | |
$20,001 to $50,000 | |
$50,001 or more |
U30 SUPER CHARGE Account (S19) | |
---|---|
$0 to $10,000 | |
$10,001 or more | Interest payable is capped to a maximum deposit amount of $10,000 per account |
Savings Plus Account (S10) | |
---|---|
$0 to $49,99 | |
$50,000 to $99,999 | |
$100,000 to $249,999 | |
$250,000 or more |
Safeguard Account (S11) | |
---|---|
$0 to $499 | |
$500 to $20,000 | |
$20,001 to $50,000 | |
$50,001 or more |
Retirement Plus (S17) | |
---|---|
Whole Balance |
Bonus Saver Account1 (S23) | |
---|---|
$0 to $499 | |
$500 to $10,000 | |
$10,001 or more | |
Bonus Rate |
Dynamo/Flex Savings Account2 (S24) | |
---|---|
$0 - $49,999.99 | |
$50,000 or more | Interest payable is capped to a maximum deposit amount of $49,999.99 |
Bonus Rate |
Term Deposits
Interest Paid at Maturity | ||
---|---|---|
I1 – 3 months | $1,000 to $9,999 | |
I5 – 3 months | $10,000 or more | |
I5 – 4 months | $10,000 or more | |
I5 – 5 months | $10,000 or more | |
I25 – 6 months | $10,000 or more | |
I5 – 7 months | $10,000 or more | |
I5 – 9 months | $10,000 or more | |
I12 – 12 months | $10,000 or more |
Interest Paid Every Six Months | ||
---|---|---|
I29 – 24 months | $10,000 or more | |
I31 – 36 months | $10,000 or more | |
I32 – 48 months | $10,000 or more | |
I33 – 60 months | $10,000 or more |
Interest Paid Every Month | ||
---|---|---|
I2 – 3 months | $1,000 to $9,999 | |
I3 – 3 months | $10,000 or more | |
I10 – 6 months | $10,000 or more | |
I10 – 9 months | $10,000 or more | |
I24 – 12 months | $10,000 or more | |
I52 – 24 months | $10,000 or more | |
I53 – 36 months | $10,000 or more | |
I54 – 48 months | $10,000 or more | |
I55 – 60 months | $10,000 or more |
Special Investment Accounts | ||
---|---|---|
I60 - 2 months | $20,000 or more | |
I63 - 30 months (Interest paid monthly to a savings account) | $20,000 or more |
Home Loans
How Fixed and Variable Interest Rates Work Compare our Home Loan options
OWNER OCCUPIED |
First Home Loan5 (L28) | |
---|---|
80-95% LVR | |
Variable Rate | Comparison Rate* |
1 Year Fixed Rate | Comparison Rate* |
2 Year Fixed Rate | Comparison Rate* |
3 Year Fixed Rate | Comparison Rate* |
5 Year Fixed Rate | Comparison Rate* |
First Home Loan - Interest Only5 (L28) | |
---|---|
80-95% LVR | |
Variable Rate | Comparison Rate* |
1 Year Fixed Rate | Comparison Rate* |
2 Year Fixed Rate | Comparison Rate* |
3 Year Fixed Rate | Comparison Rate* |
Goldrate Home Loan (L21) | |
---|---|
UP TO 60% LVR | |
Variable Rate | Comparison Rate* |
1 Year Fixed Rate | Comparison Rate* |
2 Year Fixed Rate | Comparison Rate* |
3 Year Fixed Rate | Comparison Rate* |
5 Year Fixed Rate | Comparison Rate* |
UP TO 80% LVR | |
Variable Rate | Comparison Rate* |
1 Year Fixed Rate | Comparison Rate* |
2 Year Fixed Rate | Comparison Rate* |
3 Year Fixed Rate | Comparison Rate* |
5 Year Fixed Rate | Comparison Rate* |
UP TO 95% LVR | |
Variable Rate | Comparison Rate* |
1 Year Fixed Rate | Comparison Rate* |
2 Year Fixed Rate | Comparison Rate* |
3 Year Fixed Rate | Comparison Rate* |
5 Year Fixed Rate | Comparison Rate* |
Goldrate Home Loan - Interest Only (L21) | |
---|---|
UP TO 60% LVR | |
Variable Rate | Comparison Rate* |
1 Year Fixed Rate | Comparison Rate* |
2 Year Fixed Rate | Comparison Rate* |
3 Year Fixed Rate | Comparison Rate* |
5 Year Fixed Rate | Comparison Rate* |
UP TO 80% LVR | |
Variable Rate | Comparison Rate* |
1 Year Fixed Rate | Comparison Rate* |
2 Year Fixed Rate | Comparison Rate* |
3 Year Fixed Rate | Comparison Rate* |
5 Year Fixed Rate | Comparison Rate* |
UP TO 95% LVR | |
Variable Rate | Comparison Rate* |
1 Year Fixed Rate | Comparison Rate* |
2 Year Fixed Rate | Comparison Rate* |
3 Year Fixed Rate | Comparison Rate* |
5 Year Fixed Rate | Comparison Rate* |
Value Home Loan3 (L24) | |
---|---|
UP TO 60% LVR | |
Variable Rate | Comparison Rate* |
1 Year Fixed Rate | Comparison Rate* |
2 Year Fixed Rate | Comparison Rate* |
3 Year Fixed Rate | Comparison Rate* |
5 Year Fixed Rate | Comparison Rate* |
UP TO 90% LVR | |
Variable Rate | Comparison Rate* |
1 Year Fixed Rate | Comparison Rate* |
2 Year Fixed Rate | Comparison Rate* |
3 Year Fixed Rate | Comparison Rate* |
5 Year Fixed Rate | Comparison Rate* |
UP TO 95% LVR | |
Variable Rate | Comparison Rate* |
1 Year Fixed Rate | Comparison Rate* |
2 Year Fixed Rate | Comparison Rate* |
3 Year Fixed Rate | Comparison Rate* |
5 Year Fixed Rate | Comparison Rate* |
Value Home Loan - Interest Only3 (L24) | |
---|---|
UP TO 60% LVR | |
Variable Rate | Comparison Rate* |
1 Year Fixed Rate | Comparison Rate* |
2 Year Fixed Rate | Comparison Rate* |
3 Year Fixed Rate | Comparison Rate* |
5 Year Fixed Rate | Comparison Rate* |
UP TO 90% LVR | |
Variable Rate | Comparison Rate* |
1 Year Fixed Rate | Comparison Rate* |
2 Year Fixed Rate | Comparison Rate* |
3 Year Fixed Rate | Comparison Rate* |
5 Year Fixed Rate | Comparison Rate* |
UP TO 95% LVR | |
Variable Rate | Comparison Rate* |
1 Year Fixed Rate | Comparison Rate* |
2 Year Fixed Rate | Comparison Rate* |
3 Year Fixed Rate | Comparison Rate* |
5 Year Fixed Rate | Comparison Rate* |
Bridging Home Loan - INTEREST ONLY | |
---|---|
UP TO 80% LVR | |
Variable Rate | Comparison Rate* |
INVESTMENT - LVR up to 90% |
Goldrate Home Loan (L21) | |
---|---|
UP TO 60% LVR | |
Variable Rate | Comparison Rate* |
1 Year Fixed Rate | Comparison Rate* |
2 Year Fixed Rate | Comparison Rate* |
3 Year Fixed Rate | Comparison Rate* |
5 Year Fixed Rate | Comparison Rate* |
UP TO 80% LVR | |
Variable Rate | Comparison Rate* |
1 Year Fixed Rate | Comparison Rate* |
2 Year Fixed Rate | Comparison Rate* |
3 Year Fixed Rate | Comparison Rate* |
5 Year Fixed Rate | Comparison Rate* |
UP TO 90% LVR | |
Variable Rate | Comparison Rate* |
1 Year Fixed Rate | Comparison Rate* |
2 Year Fixed Rate | Comparison Rate* |
3 Year Fixed Rate | Comparison Rate* |
5 Year Fixed Rate | Comparison Rate* |
Goldrate Home Loan - Interest Only (L21) | |
---|---|
UP TO 60% LVR | |
Variable Rate | Comparison Rate* |
1 Year Fixed Rate | Comparison Rate* |
2 Year Fixed Rate | Comparison Rate* |
3 Year Fixed Rate | Comparison Rate* |
5 Year Fixed Rate | Comparison Rate* |
UP TO 80% LVR | |
Variable Rate | Comparison Rate* |
1 Year Fixed Rate | Comparison Rate* |
2 Year Fixed Rate | Comparison Rate* |
3 Year Fixed Rate | Comparison Rate* |
5 Year Fixed Rate | Comparison Rate* |
UP TO 90% LVR | |
Variable Rate | Comparison Rate* |
1 Year Fixed Rate | Comparison Rate* |
2 Year Fixed Rate | Comparison Rate* |
3 Year Fixed Rate | Comparison Rate* |
5 Year Fixed Rate | Comparison Rate* |
Value Home Loan3 (L24) | |
---|---|
UP TO 60% LVR | |
Variable Rate | Comparison Rate* |
1 Year Fixed Rate | Comparison Rate* |
2 Year Fixed Rate | Comparison Rate* |
3 Year Fixed Rate | Comparison Rate* |
5 Year Fixed Rate | Comparison Rate* |
UP TO 80% LVR | |
Variable Rate | Comparison Rate* |
1 Year Fixed Rate | Comparison Rate* |
2 Year Fixed Rate | Comparison Rate* |
3 Year Fixed Rate | Comparison Rate* |
5 Year Fixed Rate | Comparison Rate* |
UP TO 90% LVR | |
Variable Rate | Comparison Rate* |
1 Year Fixed Rate | Comparison Rate* |
2 Year Fixed Rate | Comparison Rate* |
3 Year Fixed Rate | Comparison Rate* |
5 Year Fixed Rate | Comparison Rate* |
Value Home Loan - Interest Only3 (L24) | |
---|---|
UP TO 60% LVR | |
Variable Rate | Comparison Rate* |
1 Year Fixed Rate | Comparison Rate* |
2 Year Fixed Rate | Comparison Rate* |
3 Year Fixed Rate | Comparison Rate* |
5 Year Fixed Rate | Comparison Rate* |
UP TO 80% LVR | |
Variable Rate | Comparison Rate* |
1 Year Fixed Rate | Comparison Rate* |
2 Year Fixed Rate | Comparison Rate* |
3 Year Fixed Rate | Comparison Rate* |
5 Year Fixed Rate | Comparison Rate* |
UP TO 90% LVR | |
Variable Rate | Comparison Rate* |
1 Year Fixed Rate | Comparison Rate* |
2 Year Fixed Rate | Comparison Rate* |
3 Year Fixed Rate | Comparison Rate* |
5 Year Fixed Rate | Comparison Rate* |
Personal Loans
How Fixed and Variable Interest Rates WorkPersonal Loan | |
---|---|
Variable Rate (L9) | Comparison Rate* |
Fixed Rate (L89) | Comparison Rate* |
Green Loan4 (L9) | |
---|---|
Fixed Rate | Comparison Rate* |
Driveaway Car Loan (L9) | |
---|---|
Fixed Rate | Comparison Rate* |
Easy Access Overdraft (S1) |
---|
Credit Cards
Visa Credit Card (S14) |
---|
Terms & Conditions
+ Products that do not contribute to Reduced Fees Program. See Reduced Fees Program for full terms and conditions.
* For all Bank of Heritage Isle Home Loans, the comparison rate is based on a loan of $150,000 over a 25 year term. For all Bank of Heritage Isle Car and Personal Loans, the comparison rate is based on a loan of $30,000 over a 5 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.
1. Bonus rates are paid on top of standard rates if monthly criteria is met. Bonus Saver Account bonus rate of interest applies if no withdrawals and a minimum deposit of $100 is made within a month. Bonus Saver Account applicable as at .
2. Bonus rates are paid on top of standard rates if monthly criteria is met. Dynamo/Flex Saving Account bonus rate of interest applies if no withdrawals and a minimum deposit of $20 is made within a month. Dynamo/Flex Saving Account applicable as at .
3. Value Home Loan available to residents of Tasmania.
4. For a detailed list of items available to purchase using the Green Loan visit the Green Loan page.
5. The First Home Loan is only available for applicants that qualify for the First Home Loan Deposit Scheme. Interest Only is only applicable for Construction purposes.