Interest Rates

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 Account 1 (S23)
$0 to $499
$500 to $10,000
$10,001 or more
Bonus Rate

Dynamo/Flex Savings Account 2 (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

Reduced rate for early redemption is 0.10% p.a. Term Deposits of over $250,000 are subject to acceptance by the Bank with rates quoted on an individual basis.

Home Loans

How Fixed and Variable Interest Rates Work Compare our Home Loan options

OWNER OCCUPIED

First Home Loan 5 (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 Only 5 (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 Loan 3 (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 Only 3 (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 Loan 3 (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 Only 3 (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 Work

Personal Loan
Variable Rate (L9)	Comparison Rate*
Fixed Rate (L89)	Comparison Rate*

Green Loan 4 (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

Ref: Full terms and conditions available on application. Fees and Charges apply. For credit products lending criteria apply.

+ 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.

Savings Accounts

Term Deposits

Home Loans

Personal Loans

Credit Cards

Contact Us

Bank of Heritage Isle Head Office

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