Value Home Loan

Value Home Loan with a lower than standard interest rate could have you owning your home sooner.

Owner-Occupied Home Loan Investment Home Loan

Variable Rate %PA Comparison Rate* %PA What would my repayments be?

2 Year Fixed Rate %PA Comparison Rate* %PA What would my repayments be?

3 Year Fixed Rate %PA Comparison Rate* %PA What would my repayments be?

5 Year Fixed Rate %PA Comparison Rate* %PA What would my repayments be?

Variable Rate %PA Comparison Rate* %PA What would my repayments be?

2 Year Fixed Rate %PA Comparison Rate* %PA What would my repayments be?

3 Year Fixed Rate %PA Comparison Rate* %PA What would my repayments be?

5 Year Fixed Rate %PA Comparison Rate* %PA What would my repayments be?

Maximum LVR Loan to Value Ratio is the proportion of money you borrow (loan) compared to the value of the property of 80% for investment loans.

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Need to Top Up an existing loan?

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Why choose our Value Home Loan?

Split Facility

You can split your Home Loan into variable and fixed, to get the best of both options

Great Fixed Rate Options Available

For certainty of knowing what your repayments will be for a 2, 3 or 5 year term, read more about how Fixed and Variable Interest Rates Work

Interest Offset Available

Setup an Offset Account to help decrease your interest payable and payoff your loan sooner

Reduced Fees Program

Quality for our Reduced Fees Program to reduce (or even eliminate) fees!

Redraw Facility

Draw from the equity of your mortgage to access funds when you need them

No ongoing fees

No monthly loan administration fees

How an Offset Account works

Deposit all your income into the Mortgage Offset Account to reduce the interest on your loan

Use the up to 55-day interest free period on your Bank of Heritage Isle Visa Credit Card (S14) to pay for all your living expenses

For cash withdrawals, move the amount you need, from your Offset Account, into your S1 and use your attached Debit Card

Setup an automatic payment of the full balance on your Bank of Heritage Isle Visa Credit Card within the interest free period

Your savings in the offset account are always available, plus every dollar saved reduces your Home Loan on a daily basis to help decrease your interest payable and own your home sooner.

Offset facility not available with Fixed Interest Rate Home Loans.

Have a chat with one of our

Home Loan experts

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Home Loan Key Fact Sheet

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 and conditions: Effective Date: . Value Home Loan only available to current employees of Australian Customs and Border Protection Services and Australian Quarantine Inspection Services. Rate discounted against Premium Home Loan. Terms and conditions apply and are available on request. Fees and charges and lending criteria apply. * 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. An early repayment fee may apply on the fixed rate portion of any loan. Investment real estate lending is limited to purchase or refinance to a maximum Loan Value Ratio (LVR) of 80%. 2. This offer is available for owner occupied home loans applied for between 2/10/18 to 31/3/19 and funded by 10/5/19. Members’ current home loan with competitor financial institution must be fully discharged and refinanced with Bank of Heritage Isle by 10/5/19. $1,000 will be credited to S1 account within 1 month of settlement. Maximum bonus payment is $1,000 for each household that is approved for a refinance. Reduced Fees Program Schedule of Fees and Charges (PDF) Financial Services Guide (PDF)

Value Home Loan

Why choose our Value Home Loan?

Split Facility

Great Fixed Rate Options Available

Interest Offset Available

Reduced Fees Program

Redraw Facility

No ongoing fees

How an Offset Account works

Deposit all your income into the Mortgage Offset Account to reduce the interest on your loan

Use the up to 55-day interest free period on your Bank of Heritage Isle Visa Credit Card (S14) to pay for all your living expenses

For cash withdrawals, move the amount you need, from your Offset Account, into your S1 and use your attached Debit Card

Setup an automatic payment of the full balance on your Bank of Heritage Isle Visa Credit Card within the interest free period

Your savings in the offset account are always available, plus every dollar saved reduces your Home Loan on a daily basis to help decrease your interest payable and own your home sooner.

Have a chat with one of our

Home Loan experts

Enquire Now

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Bank of Heritage Isle Head Office

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