Bank of Heritage Isle Home Loans

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a reality

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Change Home Loan Type (Owner Occupied)

Popular Home Loan Options

  • Special Offer Goldrate Home Loan4

  • comparison rate^

  • A rate so small you'll barely notice it. Available for a limited time, for new owner-occupied borrowers only.
    • Special discounted variable rate
    • Construction Loan
    • No annual or monthly fees
    • Redraw Facility
    • Reduced Fees Program
    • No early exit fees
  • More Info / Apply
    Enquire Now
  • Fixed Rate Home Loan
  • From

  • comparison rate^

  • Enjoy the assurance of knowing exactly what your repayments will be with our 2, 3 or 5 Year Fixed Rate.
    • Redraw Facility
    • Fixed Rate available on our Value and Premium Home Loan
  • More Info / Apply
    Enquire Now
  • Goldrate Home Loan1

  • comparison rate^

  • Save with a discounted variable interest rate.
    • Special discounted variable rate
    • Split Facility
    • Construction Loan
    • No annual or monthly fees
    • Redraw Facility
    • Reduced Fees Program
    • No early exit fees3
  • More Info / Apply
    Enquire Now
  • Value Home Loan2

  • comparison rate^

  • Value Home Loan with a lower than standard interest rate could have you owning your home sooner.
    • Interest Offset Available
    • Split Facility
    • Construction Loan
    • Redraw Facility
    • Reduced Fees Program
    • No early exit fees3
  • More Info / Apply
    Enquire Now
  • Premium Home Loan
  • Owner Occupied

    Investment

  • Owner Occupied
    comparison rate^

    Investment
    comparison rate^

  • Offers home loan flexibility & features to suit your individual requirements.
    • Interest Only Available
    • Interest Offset Available
    • Split Facility
    • Bridging Loan
    • Construction Loan
    • Redraw Facility
    • Reduced Fees Program
    • No early exit fees3
  • More Info / Apply
    Enquire Now
Compare Home Loan options

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Home Loan Key Fact Sheets

Who can apply for a loan?

You can apply for a loan individually or jointly with one other person or multiple person/s. To apply you need to:

  • be at least 18 years old.
  • have a regular income.
  • be a permanent Australian resident.
  • be able to make your repayments.
  • want to borrow more than $50,000.

Terms & Conditions

Effective Date: . Terms and conditions apply and are available on request. Fees and charges and lending criteria apply.

* The results shown are for illustrative purposes only and are not guaranteed by Bank of Heritage Isle in any way. The calculation is based off Owner Occupied Home Loan interest rates, for Investment Home Loan interest rates visit the Premium Home Loan page. This projection is not an application for credit by you, nor does it constitute an offer of credit by Bank of Heritage Isle. Full details on repayments and terms and conditions are available by contacting a Member Service Officer at Bank of Heritage Isle.

^ 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.

1. To be eligible for the Goldrate Home Loan, you must have a Bank of Heritage Isle Visa Credit Card with a minimum approved limit of $2500, an S8 Online SuperSaver Account, whole of pay to Bank of Heritage Isle prior to loan funding. Investment real estate lending is limited to purchase or refinance to a maximum Loan Value Ratio (LVR) of 80%. Minimum loan amount is $50,000. Existing Bank of Heritage Isle borrowers must borrow minimum $50,000 additional funds to be eligible. Terms and conditions apply and are available on request. Fees and charges and lending criteria apply.

2. Value Home Loan rate discounted against Premium Home Loan. Terms and conditions apply and are available on request. Fees and charges and lending criteria apply.

3. An early repayment fee may apply on fixed rate portion of any loan.

4. 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. 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.

Fixed Rate Loan

Retirement Lifestyle Loan (Reverse Mortgage)

Reduced Fees Program

Schedule of Fees and Charges (PDF)

Financial Services Guide (PDF)