Bank of Heritage Isle Home Loans
Helping you make your dream
a reality
Our Home Loan Options
Owner Occupied Home Loans
Goldrate1
Spend less time with your mortgage and more time with those you love!
Special discounted variable rate
Construction Loan
No annual or monthly fees
Redraw Facility
Reduced Fees Program
No early exit fees
Value2
- variable rate
comparison rate^- up to 95% LVR
- fixed rate
from
comparison rate^- up to 95% LVR
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
Premium
- variable rate
comparison rate^- up to 95% LVR
- fixed rate
from
comparison rate#- up to 95% LVR
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
Investment Home Loans
Goldrate1
- variable rate
comparison rate^
Make the most of your investment with a discounted variable interest rate.
Special discounted variable rate
up to 80% LVR
Construction Loan
No annual or monthly fees
Redraw Facility
Reduced Fees Program
No early exit fees
Premium
- variable rate
comparison rate^
- fixed rate
from
comparison rate#
- bridging variable rate
from
comparison rate^
Offers home loan flexibility & features to suit your individual requirements.
Interest Only Available
Interest Offset Available
up to 80% LVR
Split Facility
Bridging Loan
Construction Loan
Redraw Facility
Reduced Fees Program
No early exit fees3
Online Property Reports
Our free Online Property Reports tool will be your new best friend when it comes to buying or selling. Backed by CoreLogic and accessible on any device, find the key property information you need wherever you are!
Visit our Property tips section for useful articles and tips for purchasing property
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.
# The comparison rate is based on a loan of $150,000, fixed for the first 2 years, 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. Minimum loan amount is $50,000. Existing Bank of Heritage Isle 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 80%. 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 the fixed rate portion of any loan.
5. This Home Loan is only available to new owner-occupied borrowers. Not available for investment purposes or for refinancing of existing Bank of Heritage Isle loans. Home Loan cannot be taken in conjunction with any other offer, bonus or discount. 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 80% including the capitalisation of Mortgage Protection Insurance applies. Home Loan is a limited time offer and can be withdrawn at any time. This home loan has a waived establishment fee only available to borrowers who apply between 16/9/19 – 31/12/19 and have their loan funded by 28/02/20. This offer is only applicable to single security loans.
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