Terms & Conditions
1. Effective date: 1/3/19. Terms, conditions, fees, charges and lending criteria apply. The 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 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 Value 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 Special Offer Goldrate Home Loan is a limited time offer and can be withdrawn at any time.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 is current as at 1/3/19 and is 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.
2. Terms and conditions apply and are available on our website. Fees and charges and lending criteria apply. 0% p.a. is applied to the Bank of Heritage Isle Visa Credit Card only if the card account being transferred is paid out in full and cancelled. Minimum balance transfer per card is $500.00. We reserve the right to withdraw this offer at any time. Interest rate on remaining balance will revert to our standard variable Visa Card rate, currently 10.76% p.a. Not available in conjunction with any other offer.