Home Loan Variable Rate

A variable rate loan means the interest you pay is 'variable' and can go up and down in response to changes in interest rates. If you're looking for variable rate home loan we have options that may suit you.

Features

  • Flexible access options 

    • Make unlimited additional repayments without penalty
    Access your additional repayments made in advance via online redraw

  • People first service 

    • People first service and commitment to our customer-owned values

  • Family Guarantee options available 

  • Interest only repayment option for investors

    • Available for investment loans, for up to 5 years

  • Construction loans available

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Rates

Discount Variable
Discount Variable 
2.44 % PA 2.49 % PA
New Owner Occupied (Principal & Interest) Loans of $150,000+ with 70% to 80% LVR
Comparison Rate* See Comparison Rate warning

A low variable interest rate, loans from $150,000 and no monthly administration fee.

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Home Advantage Package
Package your standard variable, fixed rate or living equity loan together with a credit card into our Home Advantage Package, and save with discounts on interest rates and fee waivers. 
Standard Variable in Home Advantage Package - rates from
2.54 % PA 2.94 % PA
New Owner Occupied (Principal & Interest) Loans in Package of $700,000+ with 70% to 80% LVR. Package criteria applies.
Comparison Rate* See Comparison Rate warning
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Standard Variable
Standard Variable 
4.49 % PA 4.64 % PA
New Owner Occupied (Principal & Interest) Loans
Comparison Rate* See Comparison Rate warning

Loans from $20,000 with 100% offset account available. 

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These articles may help you

How much money can I borrow for a home loan?

How much money you can borrow will depend on a number of things. Here's four to consider.
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Refer a Friend

Refer a friend, family member or colleague to Heritage Bank for a Home Loan or Business Loan and you could get $250 each!* 
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The home loan application process

Find out what's involved in the home loan application process with this handy, 4 step infographic.

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Buying a home

See all our articles about Buying a Home.
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We are here to help

Our specialists will help you find the right product and support you through every step of the purchase.

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