Fixed Rate Loans
For people who want the security of knowing that there will be no change in interest rates during the fixed term, Heritage offers their Fixed Rate home loan.
Heritage’s Fixed Rate features include:
- Competitive interest rates
- Fixed rate terms of 1, 2, 3 or 5 years
- Additional or lump sum repayments without penalty
- Unrestricted redraw facility (pdf, 250KB) – fees apply
- Maximum 90% LVR (Loan to Value Ratio) – conditions apply
- Interest only option for Investment Loans up to 5 years
- Construction loan available 95% LVR – conditions apply
- Partial interest offset account with full transaction facilities available
- Refix at end of fixed term at no cost
- Reverts to Heritage’s competitive Standard Variable rate when fixed term expires
- Valuation Fee on first security paid by Society up to max $330^
- Application fee $600
- Rate Guarantee available
All loans and refixing subject to application and approval. Fees, charges and conditions apply. Break fees may apply on full payout or refinancing. Before making a decision about the off-set account, please read the guides to Heritage products.
^Excess valuation fee may apply in some circumstances where valuation fee exceeds $330. Loans subject to application and approval. Fees, charges and conditions apply.