Home Advantage Fixed Rate Home Loans - Owner Occupied
Our fixed rate home loans allow you to lock an interest rate in for 1, 2, 3 or 5 years so you know exactly what your repayments will be.
Category: Home Loans Last Updated September 4, 2024 Effective September 30, 2024
General Lending Rates
Rates listed below are for a FIXED Owner Occupied P&I product. Additional Information Home Advantage 3 Year Fixed; LVR<=95%; Loan Amount >=$150,000.
Interest Rate
5.89% PA
5.89% PA
Comparison Rate
6.48%PA*
6.48%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
Home Advantage Fixed Loan Amount
Minimum: $150000.00 Maximum: $
Home Advantage Fixed Loan to Value Ratio (LVR)
- Lending Rate Type: Fixed
- Interest Rate: 5.99%, Comparison Rate 6.53%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
Home Advantage Fixed Loan Amount
Minimum: $150000.00 Maximum: $
Home Advantage Fixed Loan to Value Ratio (LVR)
- Lending Rate Type: Fixed
- Interest Rate: 5.89%, Comparison Rate 6.48%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
Home Advantage Fixed Loan Amount
Minimum: $150000.00 Maximum: $
Home Advantage Fixed Loan to Value Ratio (LVR)
- Lending Rate Type: Fixed
- Interest Rate: 5.99%, Comparison Rate 6.47%
- Repayment Type: Principal And Interest
- Loan Purpose: Owner Occupied
Product Features
- Other Additional Information: Lock in a competitive rate for a fixed term and get certainty of repayments
- Other Additional Information: Save with no home loan establishment fee, pay $0 annual credit card fee and get discounts on insurance (annual package fee applies)
- Other Additional Information: Make unlimited additional repayments without penalty provided the loan is not repaid in full during the fixed rate period
- Redraw Additional Information: Online redraw available
- Other Additional Information: Fixed rate terms of 1, 2, 3 or 5 years, with loan terms from 1 to 30 years
- Other Additional Information: Family Guarantee options and Build Loans available
Product Eligibility
- Min Age - 18.
- Residency Status - A Citizen Or Permanent Resident Of Australia Or New Zealand.
- Other Additional Information: Lending criteria apply
Bank Fees and Charges
- Settlement Fee (Upfront), Amount: 210.00.
- Loan Finalisation Fee (Exit), Amount: 345.00.
- Package Annual Fee (Periodic), Amount: 350.00.
- Cheque Fee (Upfront), Amount: 10.00. Additional Information: $10 per cheque
- Title Registration Fee (Variable), Amount: Not Listed..
- Default Fee (Event), Amount: 30.00. Additional Information: will be charged monthly until no longer in default
- Special Request Transaction Listing Fee (Event), Amount: 7.50. Additional Information: $7.50 per page
- Enforcement Fee (Event), Amount: 20.00.
- Telegraphic Transfer Fee - (pexa Settlements) (Event), Amount: 35.00. Additional Information: Payable to ANZ Banking Group or Westpac Banking Corporation on settlement if any of the amount of credit is telegraphically transferred.
- Renegotiation Fee (Event), Amount: 250.00.
- Substitute Security Fee (Event), Amount: 450.00.
- Partial Release Processing Fee (Event), Amount: 220.00.
- Partial Release Assessment Fee (Event), Amount: 100.00. Additional Information: $100 per security
- Capital Reduction Recalculation Fee (Event), Amount: 75.00.
- Change Of Term Fee (Event), Amount: 75.00.
- Interest Recalculation Fee (Event), Amount: 20.00.
- Document/record Search Fee (Event), Amount: 12.00. Additional Information: $12 per item
- Direct Debit Dishonour Fee (Event), Amount: 10.00.
- Redraw Administration Fee (Event), Amount: 20.00. Additional Information: while you do not meet the package eligibility criteria & not completed online
- Consent Fee (Event), Amount: 200.00. Additional Information: Consent to the registration of a Land Titles document over the security property to a third party
- Production Fee (Event), Amount: 100.00. Additional Information: if Heritage is required to produce a security document to the State's Land Titles Authority or agency
- Title Search (Variable), Amount: Not Listed.. Additional Information: The amount charged to Heritage per search per title
- Title Search - Payable To Agent/solicitor (Variable), Amount: Not Listed.. Additional Information: The amount charged to Heritage by the Agent or Solicitor
- Agent's Fees (Variable), Amount: Not Listed.. Additional Information: Agent's fee payable to any agent used by Heritage or its solicitor to attend settlement or stamp, lodge or register a document on settlement of Loan.
- Bank Cheques Cost Payable To Any Bank Issuing A Bank Cheque For Settlement On Settlement Of Loan. (Variable), Amount: Not Listed.. Additional Information: The amount charged by the bank to Heritage, its Agent or your Solicitor (currently estimated at approximately $12.00 per cheque).
- Further Advance Application Fee (Variable), Amount: Not Listed.. Additional Information: $7.50 per $1,000 applied for
- Special Clearance Fee (Variable), Amount: Not Listed.. Additional Information: $15.00 (special clearance by mail) or $60.00 per hour plus cost, with a minimum of $30.00 (special clearance by hand delivery)
- Valuer's Fee May Become Payable To Valuation Exchange Pty Ltd If Heritage Obtains A Valuation For A Property Subject To A Security In Connection With A Proposed Transaction (such As An Application For A Further Advance Or An Application To Substitute Securities). (Variable), Amount: Not Listed.. Additional Information: The amount charged to Heritage
- Council Mortgage Notification Fee (Variable), Amount: Not Listed.. Additional Information: The amount charged by the local government
- Mortgage Dealing Fee (Variable), Amount: Not Listed.. Additional Information: Fee charged per dealing.
- Break Fee (Variable), Amount: Not Listed.. Additional Information: Calculating the interest amount that Heritage would have received over the remaining fixed rate period of your Loan less the interest amount Heritage will receive on a comparable loan for the remaining fixed rate period at the date the Credit Contract is paid out.
- Rate Guarantee Fee (Variable), Amount: Not Listed.. Additional Information: The fee is calculated at 0.15% of the basic loan amount, Where the 0.15% fee does not calculate to a whole dollar value, e.g. $157,400 x 0.15% = $236.10, the system will process the fee at a rounded down amount to the dollar, e.g. $236.00
- Qbe - Lenders Mortgage Insurance (Variable), Amount: Not Listed..
- Guarantor Fee (Event), Amount: 200.00. Additional Information: Payable for having a guarantee listed as security on your loan.
- Trust/company Document Examination Fee (Event), Amount: 250.00. Additional Information: Payable on application for trust/company structures
- Collateral Security Preparation Fee (Event), Amount: 100.00. Additional Information: Payable when taking security over a new Collateral Security Property (any security other than the first new security), on application.
- Telegraphic Transfer Fee (Event), Amount: 30.00. Additional Information: Payable if money lent to you is telegraphically transferred within Australia.
- Approval Request Fee (Variable), Amount: Not Listed.. Additional Information: Payable if you ask for our approval under the credit contract or a security in relation to a transaction or proposal.
Limitations & Restrictions (Constraints)
- Min Limit of 150000.00
Like this Mortgage Product?
Share on Facebook
Share on Twitter
Share on Linkdin
Share on Pinterest