Enjoy a low rate of ( comparison rate*), no annual or monthly fees, redraw facility and no penalties. For new owner-occupied borrowers only, available until 31st December 2019.
Ends 28 February 2020
Ends 31 January 2020
When you transfer your balance to Bank of Heritage Isle’s Visa Credit Card!
Now you can enjoy all the benefits of your Bank of Heritage Isle Visa Credit or Debit Card using Apple Pay. It’s the easy, secure and private way to pay.
Our Goldrate features a low interest rate, no annual or monthly fees, redraw facility and no penalties.
Providing a quick, easy and secure way to bank on the move.
Terms & Conditions
1. Effective Date . Terms, conditions, fees, charges and lending criteria apply. Minimum loan amount is $50,000. Existing Police Bank borrowers must borrow minimum $50,000 additional funds to be eligible. Investment real estate lending is limited to purchase or refinance to a maximum Loan Value Ratio (LVR) of 95%.
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.
4. Police Bank Limited and its divisions, Border Bank and Bank of Heritage Isle ABN 95 087 650 799 AFSL/Australian Credit Licence No. 240018 arrange this insurance as agent of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No 234708 (Allianz). We do not provide any advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision, please consider the Product Disclosure Statement and key fact sheets available from www.heritageisle.com.au or by calling 134 374. If you purchase this insurance, we will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with services. Competition open to Australian residents over the age of 18 who purchase a new Allianz Home, Landlord or Comprehensive Motor Insurance policy through Bank of Heritage Isle from 14/10/19 to 08/12/19. For the avoidance of doubt, one (1) draw with eight (8) winners will be conducted for Police Bank Limited with the entries combined from each of the above three (3) divisions. Prize is drawn on 17/12/19 at Anisimoff Legal Suite 5, Erina Plaza, Central Coast Highway, Erina NSW 2250. Winner’s name published in The Australian on 24/12/19. Authorised under NSW Permit No: LTPS/19/37670, ACT Permit No: TP19/04102, SA Licence No: T19/1469. Promotion terms and conditions available at allianz.com.au/prize. Promoter is Allianz. Apple Watch is a trademark of Apple Inc., registered in the U.S. and other countries.
7. Effective date 8/10/19. The ‘Win $3,000 for Your Home’ Competition is available from 8/10/19 and closes 31/1/20. 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. Police Bank Ltd. 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. We reserve 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 $3,000 cash to be won. The winner will be selected by a panel of bank judges based on the originality of the entry on 3/2/20 at Police Bank, 25 Pelican Street, Surry Hills NSW 2010. The winner will be notified via email or phone on 3/2/20 between 11.00am and 4.00pm (AEST). The winner’s name will be published on our website. If the prize is unclaimed by 3/3/20 a redraw will occur on 4/3/20 at Police Bank, 25 Pelican Street, Surry Hills NSW 2010. The prize of $3,000 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: 14 October 2019. Terms & conditions, fees, charges and lending criteria apply. A Financial Services Guide (FSG) including terms and conditions is available at all Branches, on our website and upon request. This Home Loan is only available to new owner-occupied borrowers. Minimum loan amount is $50,000. Not available for investment purposes or for refinancing of existing Police Bank loans. This Home Loan cannot be taken in conjunction with any other offer, bonus or discount. This Home Loan cannot be split with a fixed term or any other Police Bank Home Loan product. A maximum Loan Value Ratio (LVR) of 80% including the capitalisation of Mortgage Protection Insurance applies. This Home Loan is a limited time offer and can be withdrawn at any time. Waived Establishment Fee offer is only available to owner-occupied 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.
~ Effective Date: 1/11/19. Terms, conditions, fees, charges and lending criteria apply. A Financial Services Guide (FSG) including terms and conditions is available at all Branches, on our website and upon request. The interest rate and comparison rate is current as at 1/11/19 and is subject to change. 1. Minimum loan amount is $50,000. Existing Bank of Heritage Isle home loan borrowers must borrow minimum $50,000 additional funds to be eligible. Not available for investment purposes. Value Home Loan cannot be taken in conjunction with any other offer, bonus or discount, including the No Establishment Fee offer. A maximum Loan Value Ratio (LVR) of 90% including the capitalisation of Mortgage Protection Insurance applies. Value Home Loan available to residents of Tasmania. Rate discounted against Premium Home Loan.
*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.
#Minimum loan amount is $5,000. Rates current as at 4/11/19 and are subject to change. This discounted rate is only available for loans applied for and approved from 4/11/19 – 28/2/20. Loan must be funded within one month of application. This discounted rate is not available in conjunction with any other offer. Existing Bank of Heritage Isle personal loan borrowers must borrow minimum $5,000 additional funds to be eligible. We reserve the right to withdraw this offer at any time.
**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.
