General Terms & Conditions

Effective Date: 16 September 2019. Terms and conditions apply and are available on request. Fees, charges and lending criteria apply. A Financial Services Guide (FSG) is available at all Branches, on our website and upon request.

Home Loan Terms & Conditions

#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 Bank of Heritage Isle 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 Bank of Heritage Isle 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 This Home Loan is a limited time offer and can be withdrawn at any time.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 16/9/19 – 31/12/19 and have their loan funded by 28/02/20. This offer is only applicable to single security loans.

*The interest rate and comparison rate is current as at 16/9/19 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.