Try our home loan calculator below to see what your repayments and interest rate could look like with Heritage Bank. Once you've used the calculator, get in touch with our local Lending Specialists who can help you through your home loan application, including applying for the First Home Owner Grant in your state.
Indicative repayment amount only. Your credit contract will state a monthly repayment figure. You may make payments as frequently as you choose within each month to pay the monthly amount due.
About the home loan application process
Our First Home Buyer Help Hub
Our First Home Buyer Help Hub gives you access to the right tools and support to help with your home buying journey. The help hub includes information on First Home Owner Grants, common home loan jargon explained and what to do if your loan is not approved.
First Home Buyer Help HubWhat if I want to buy land or build?
If you’re looking to purchase vacant land or build a new home rather than purchase an established property, we have options that may be suitable.
Construction Loans are different from a regular home loan because the funds are paid gradually to your builder as progress payments. While your property is getting built, your repayments are set as interest only to help you manage your budget.
Simply let us know of your plans to build when you apply for a home loan and we'll help you through the process.
What if my application gets knocked back?
Can I seek pre-approval on my loan?
Yes! We offer a pre-approval process to help give you some peace of mind when you’re wanting to make an offer on a property. Enquire online, visit your local branch or phone 13 14 22 to find out if you qualify for a pre-approval or learn more about how pre-approval can help you.
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This will determine how best we can help.
