Home Loan Variable Rate
If you're looking for a home loan with flexibility, we have three variable rate home loan options that may suit you.
About this Rate
What makes our home loans better?
Flexible repayment options
Unlimited additional repayments and online redraw available
Family Guarantee
Your family members can use the equity in their own home to provide additional security for part of your loan amount
People first service
People first service and commitment to our customer-owned values
Our variable loans - what's the difference?
Find the loan that suits your needs
Interest rates shown for new Owner Occupied Principal and Interest loans.
| Discount Variable | |
|
Rate for loans of $150,000+ up to 80% LVR
|
Comparison Rate*
|
- Low variable interest rate
- For home loans of $150,000 or more
- No offset account
| Application fee - usually $600 | $0# |
| Monthly fee | $0 |
| Annual fee | $0 |
| Standard Variable in Package | |
|
Rate for Home Advantage Package loans of $700,000+ up to 80% LVR
|
Comparison Rate*
|
- Discount on Standard Variable interest rate
- For home loans of $150,000 or more
- 100% offset account
| Application fee | $0 |
| Monthly fee | $0 |
| Annual fee | $350 |
| Standard Variable | |
|
Rate for loans of $20,000+ up to 95% LVR
|
Comparison Rate*
|
- Standard Variable interest rate
- For home loans of $20,000 or more
- 100% offset account
| Application fee - usually $600 | $0# |
| Monthly fee | $8 |
| Annual fee | $0 |
Up to $4,000 cashback‡on eligible home loans
For loans refinanced to Heritage with ≤80% LVR OR new loans with LMI.
For owner occupied and investment home loans.
Paid into your Heritage transaction account.
ⓘ Apply by 31 May and settle by 31 July 2022. T&C's apply. Click for full T&C's and FAQ's.
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