Home Advantage Package
Package your Standard Variable or Standard Fixed home loan together with a credit card, and save with discounts on interest rates and fee waivers.
About this Rate
Package Features
By bundling your eligible home loan and credit card account you could enjoy the benefits of our Home Advantage Package. These benefits include:
- Discount on Standard Variable interest rate
- No monthly fees on your packaged home lending
- $0 home loan application fee^
- $0 annual credit card fee^
- Available on loans of $150,000 or more
- Available on Owner Occupied and Investment loans
Annual Package Fee
Payable annually on your loan anniversary date from your nominated Heritage credit card account.
| Annual fee |
$350
|
Other fees
| Home loan application fee | $0 |
| Monthly administration fee | $0 |
| Annual credit card fee | $0 |
| Redraw - online and by form | $0 |
Other fees and charges may apply and will be outlined in the Credit Contract.
Why choose our Home Advantage Package?
Competitive package benefits
Save with no application fees, no monthly fees and interest rate discounts. Pay one easy annual fee of $350.
Bundle your banking
Experience the ease of having your home loan, credit card and accounts bundled with Heritage.
Flexibility
100% offset on Standard Variable loans and unlimited additional repayments.
Your interest rate may vary based on your Loan to Value Ratio (LVR), loan purpose and loan amount. Our Home Loan Interest Rates for New Lending (PDF) details our interest rate tiers or you can use our Home Loan Calculator to estimate your repayments.
| Fixed Rate in Package | |
|
New 2-Year Fixed Owner Occupied (Principal & Interest) Package loans of $150,000+ up to 95% LVR
|
Comparison Rate*
|
|
|
|
- Fix your loan for 1, 2, 3 or 5 years
- No offset account
- $0 monthly fee and $0 application fee when in Package^
| Standard Variable in Package | |
|
New Owner Occupied Principal & Interest Loans in Package of $700,000+ with 70.1% to 80% LVR
|
Comparison Rate*
|
|
|
|
- Discount on Standard Variable interest rate
- 100% offset account
- $0 monthly fee and $0 application fee when in Package^
We're here to help
Our Lending Specialists are here to support you through every step of your home buying journey.
If you have a question about our home loans, tap here to get in touch with us in the way that suits you.
Are you an existing Heritage member?
This will determine how best we can help.