Standard Variable Rate Home Loan

Our Standard Variable Rate Home Loan can be a great option if you're looking for a flexible loan with a 100% offset account.

4.49 % PA
Owner Occupied Principal & Interest Rate About this rate Apply now
4.60 % PA
Comparison Rate*
Fees

Standard Variable Features


  • 100% offset account available
  • Loans from $20,000 
  • Flexible access options
  • Unlimited additional repayments without penalty
  • Use this loan to build a home
  • People first service and commitment to our customer-owned values
  • Online redraw
  • Repayments calculated monthly. You can make payments as frequently as you choose within each month to pay the monthly amount due
  • Family Guarantee options available
  • Interest only repayment options for investment loans, for up to 5 years

Apply by 31 May 2022 and pay no application fee.

Save up to $600!#
Application Fee $0#
Monthly Fee $8
Online Redraw  $0
Settlement Fee $150
Loan Finalisation Fee $300
Other fees and charges may apply and will be outlined in your Credit Contract.
Fees

Up to $4,000 cashbackon eligible home loans


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For loans refinanced to Heritage with ≤80% LVR OR new loans with LMI.
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For owner occupied and investment home loans.
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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.
Research tools
Home Loan repayment calculator
Borrowing power calculator
Home Loan refinancing calculator
The home loan application process
Buying your first home guide
Investing in property
Interest rates for new home loans (PDF)
Interest rates for loan switches, refixes and products withdrawn from sale (PDF)

Our specialists are here to support you through every step of your home buying journey.

If you have a question about our home loans, please tap here for live assistance.