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Home Loans

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Choosing a home loan can be a difficult decision, whether you’re buying a new home or refinancing. We have some simple and flexible choices to suit all your needs.

Heritage Isle Home Loan Icons

Special Housing Loan Rate#

Heritage Isle are offering a special home loan interest rate of 3.69% p.a (3.83%* comparison rate) for new owner-occupied borrowers only^

  • Low variable rate
  • Free redraw
  • No penalty for early repayments or lump sum payments
View our interest rates

3.69%pa
interest rate

3.83%pa*
comparison rate


 

Housing Loan

Don't make the biggest purchase of your life without checking out our Housing Loan first.

  • Low variable rate
  • Free redraw
  • No penalty for early repayments or lump sum payments
View our interest rates

5.35%pa
interest rate

5.48%pa1
comparison rate

 

  More Info
Feature Housing Loan
Loan period Up to 30 years
Payment options Weekly, fortnightly or monthly
Establishment fee At cost - Legal and valuation fees
Ongoing fees Yes
Redraw facility Yes (Min $500)
Extra payments without penalty Yes
Early payout without penalty Yes
Auto repayments (salary/account) Yes
Interest only option Yes (1 year)
This table is provided as a guide only. Terms and conditions are available on application or request.

Home Equity Loan & Land Loans

A Home Equity Loan is a mortgage secured loan which compliments your housing loans and can be used for home extensions, home improvements or any other worthwhile purpose and includes all the benefits of the Home Loan Product.

 

  • Standard Variable Interest Rate
  • Rates negotiable based on application

 

  • No penalty for early repayment
View our interest rates

 9.00%pa
 

9.46%pa2
comparison rate

  More Info
Feature Home Equity Loan & Land Loans
Loan period Up to 30 years
Payment options Weekly, fortnightly or monthly
Establishment fee At cost - Legal and valuation fees
Ongoing fees Yes
Redraw facility Yes (Min $500)
Extra payments without penalty Yes
Early payout without penalty Yes
Auto repayments (salary/account) Yes
Internet and Phone Banking Yes
This table is provided as a guide only. Terms and conditions are available on application or request.

Investment Housing Loan

Build you investment portfolio with one our Investment Housing Loan.

  • Standard Variable Interest Rate
  • Rates negotiable based on application

 

  • Flexible repayment options
View our interest rates


5.35%pa
 

5.48%pa1
comparison rate

 

 

 

  More Info
Feature Investment Housing Loan
Available for investment loans Yes
Loan period Up to 30 years
Payment options Weekly, fortnightly or monthly
Establishment fee At cost - Legal and valuation
Ongoing fees Yes
Redraw facility Yes (Min $500)
Extra payments without penalty Yes
Early payout without penalty Yes
Auto repayments (salary/account) Yes
Internet and Phone Banking Yes
Interest only option Yes
This table is provided as a guide only. Terms and conditions are available on application or request
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Questions?

If you have any questions, please contact us

1 Rate based on $150,000 over 25 years
2 Rate based on $80,000 over 7 years
Warning: Comparison rates apply only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or cost savings such as fee discounts and waivers, are not included in the comparison rate but may influence the cost of the loan. Rates are subject to change, terms and conditions apply and are available on application. Fees and charges apply.
# Effective date: 8/10/18. Terms, conditions, fees, charges and lending criteria apply and are available on request or at https://www.heritageisle.com.au/loans-home-loans.html The Special Housing Loan is only available to new owner-occupied borrowers who apply between 8/10/18 – 12/4/19 and have their loan funded by 7/6/19.
^Not available for investment purposes or for refinancing of existing Bank of Heritage Isle or Police Bank Home Loans. Special Housing Loan cannot be taken in conjunction with, or in addition to any other offer, bonus or discount. Special Housing Loan cannot be split with 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%.
The Special Housing Loan is a limited time offer and can be withdrawn at any time.
*The interest rate and comparison rate is current as at 8/10/18 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. Bank of Heritage Isle is a division of Police Bank Ltd. ABN 95 087 650 799. AFSL/Australian Credit Licence No. 240018. 25 Pelican Street, Surry Hills NSW 2010.