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 | |
| Budget Manager Account (S2) | |
|---|---|
| Whole Balance | |
| Christmas Club Account (S3) | |
|---|---|
| Whole Balance | |
| Insurance Saver Account (S6) | |
|---|---|
| $0 to $499 | |
| $500 to $20,000 | |
| $20,001 to $50,000 | |
| $50,001 or more | |
| Online SuperSaver Account+ (S8) | |
|---|---|
| $0 to $499 | |
| $500 to $5,000 | |
| $5,001 or more | |
| Savings Plus Account (S10) | |
|---|---|
| $0 to $499 | |
| $500 to $2,000 | |
| $2,001 to $10,000 | |
| $10,001 to $30,000 | |
| $30,001 or more | |
| Safeguard Account (S11) | |
|---|---|
| $0 to $499 | |
| $500 to $20,000 | |
| $20,001 to $50,000 | |
| $50,001 or more | |
| Market Linked Account (S15) | |
|---|---|
| Fluctuates in accordance with weekly money market trends. A minimum of $5,000 to be maintained [Note: $0 to $4,999 at 0.25%] | Call 134 374 to obtain current interest rate |
| 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 to $499 | |
| $500 or more | |
| Bonus Rate | |
Home Loans
How Fixed and Variable Interest Rates Work Compare our Home Loan optionsOWNER OCCUPIED |
| Goldrate Home Loan (L21) | |
|---|---|
| Low Goldrate Home Loan6 (UP TO 80% MAX LVR) Variable Rate | Comparison Rate* |
| Goldrate Home Loan(UP TO 95% MAX LVR) Variable Rate | Comparison Rate* |
| Value Home Loan3 (L24) | |
|---|---|
| 2 Year Fixed Rate | Comparison Rate* |
| 3 Year Fixed Rate | Comparison Rate* |
| 5 Year Fixed Rate | Comparison Rate* |
| Variable Rate | Comparison Rate* |
| Premium Home Loan4 (L26) | |
|---|---|
| 2 Year Fixed Rate | Comparison Rate* |
| 3 Year Fixed Rate | Comparison Rate* |
| 5 Year Fixed Rate | Comparison Rate* |
| Variable Rate | Comparison Rate* |
| Interest Only Variable Rate | Comparison Rate* |
| Premium Bridging Loan (L26) | |
|---|---|
| Principal & Interest Variable Rate | Comparison Rate* |
| Interest Only Variable Rate | Comparison Rate* |
INVESTMENT - UP TO 80% MAX LVR |
| Goldrate Home Loan (L21) | |
|---|---|
| Variable Rate | Comparison Rate* |
| Value Home Loan3 (L24) | |
|---|---|
| 2 Year Fixed Rate | Comparison Rate* |
| 3 Year Fixed Rate | Comparison Rate* |
| 5 Year Fixed Rate | Comparison Rate* |
| Variable Rate | Comparison Rate* |
| Premium Home Loan4 (L26) | |
|---|---|
| 2 Year Fixed Rate | Comparison Rate* |
| 3 Year Fixed Rate | Comparison Rate* |
| 5 Year Fixed Rate | Comparison Rate* |
| Variable Rate | Comparison Rate* |
| Interest Only Variable Rate | Comparison Rate* |
| Premium Bridging Loan (L26) | |
|---|---|
| Interest Only Variable Rate | Comparison Rate* |
Credit Cards
| Visa Credit Card (S14) |
|---|
Personal Loans
How Fixed and Variable Interest Rates Work| Easy Access Overdraft (S1) |
|---|
| Green Loan5 (L9) | |
|---|---|
| Fixed Rate | Comparison Rate* |
| Personal Loan | |
|---|---|
| Fixed Rate (L89) | Comparison Rate* |
| Variable Rate (L9) | Comparison Rate* |
| Driveaway Car Loan (L9) | |
|---|---|
| Fixed Rate | Comparison 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 | |
| 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 | |
| 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 | |
Edvest Term Deposits
(only available to members of the Edvest Service)| Interest Paid at Maturity | ||
|---|---|---|
| I51 – 3 months | $1,000 or more | |
| I4 – 3 months | $10,000 or more | |
| I4 – 4 months | $10,000 or more | |
| I4 – 5 months | $10,000 or more | |
| I23 – 6 months | $1,000 or more | |
| I4 – 7 months | $10,000 or more | |
| I22 - 12 months | $1,000 or more | |
| Regular Income Plus (interest paid fortnightly) | ||
|---|---|---|
| I45 – 6 months | $5,000 or more | |
| I46 – 12 months | $5,000 or more | |
| I47 – 18 months | $5,000 or more | |
| I48 – 24 months | $5,000 or more | |
| I49 – 36 months | $5,000 or more | |
| Interest Paid Six Monthly | ||
|---|---|---|
| I58 - 24 months | $10,000 or more | |
Edvest Savings Accounts
| Redifund Plus (S21) | |
|---|---|
| Plus bonus rate on market linked rate. A minimum of $5,000 to be maintained at all times. [Note: $0 to $4,999 at 0.25%] | Call 134 374 to obtain current interest rate |
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 (note: for Interest Only Home Loans, the comparison rate is based on an initial 3 year Interest Only period). 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. Interest rate is effective from the 1st of the month.
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. Interest rate is effective from the 1st of the month.
3. Rate discounted against Premium Home Loan. Investment real estate lending is not available. Terms and conditions apply and are available on request. Fees and charges and lending criteria apply. Rate discounted against Premium Home Loan. Available for principal and interest loans only.
4. Available for principal and interest loans only.
5. For a detailed list of items available to purchase using the Green Loan visit the Green Loan page.
6. Low Goldrate home loan only available to new owner-occupied borrowers. This home loan has a waived establishment fee only available to borrowers who apply between 15/9/19 – 31/12/19 and have their loan funded by 28/02/20. This offer is only applicable to single security loans.
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