Loans

Whether it’s for a home, car or something personal, most of us will need to borrow money at some time. Whatever your needs, chances are we have the right loan for you.

Home Loans

With our home loans you’ll get market leading rates, professional package flexibility and our personalised service. We have a range of home loans to choose from, and we’ll go out of our way to find the home loan that's right for you.

Competitive interest rates   Free redraw facility

3.69%pa interest rate 3.83%pa* comparison rate

Car Loans

We offer competitive rates and great features for new motor vehicle loans up to 3 years old.

Fast approvals Competitive interest rates

8.50%pa interest rate 10.16%pa2 comparison rate

Personal Loans

Make your dreams come true with a personal loan that suits you! Whether your buying a boat, renovating your home or taking that much needed holiday, with our personal loan you can make it happen faster.

Flexible repayment options Borrow from as little as $500

13.99%pa interest rate 14.90%pa3 comparison rate

Business Loans

Heritage Isle can help you achieve your business goals. Whether your starting a new business or expanding we have the right flexible options for your business.

Secured and unsecured options No penalty for lump sum payments

Overdrafts

With an overdraft facility you can be sure there are always funds to help you cover life's little surprises.

Only pay Interest when you use it Visa Debit card access Convenient 24/7 access

Up to 15.00%pa interest rate

Questions?

If you have any questions, please contact us

<sub>Important Information
Interest rates subject to change. Interest rates current as of 2nd September 2016.
1. Rate based on secured loan of $150,000.
2. Rate based on unsecured loan of $30,000 over 5 years.
3. Rate based on unsecured loan of $30,000 over 5 years.</sub>

^{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 int he comparison rate but may influence the cost of the loan.}

^# _{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.}