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Home Loan Variable: 6.84% (6.84%*) • Home Loan Fixed: 5.89% (7.08%*) • Fixed: 5.89% (7.08%*) • Variable: 6.84% (6.84%*) • Investment IO: 5.99% (7.55%*) • Investment PI: 6.09% (7.46%*)

  Standard Personal Loan Fixed

A flexible loan that can be used for holidays, renovations, debt consolidation or a new toy to play with. 
Category: Personal Loans  Last Updated August 11, 2024  Effective September 30, 2024

 General Lending Rates

Rates listed below are for a FIXED product. Additional Information Fixed term 1 to 7 years. Interest rates are on a per annum basis. Rates and discounts are correct as stated and subject to change without notice.Comparison rate is calculated on loans as follows: Standard Personal Loan - Fixed comparison rate is based on a loan of $30,000 borrowed for 5 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Interest Rate
8.99% PA
Comparison Rate
9.35%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 Features

  • Redraw Additional Information: Online Redraw Available
  • Other Additional Information: Ability to make additional or lump sum payments
  • Other Additional Information: Unsecured Only
  • Other Additional Information: No Penalty for paying out early
  • Other Additional Information: SMS services
  • Other Additional Information: Electronic or paper statements available
  • Loyalty Program
  • Other Additional Information: Loan term of up to 7 years
  • Other Additional Information: Flexible repayment options
  • Other Additional Information: Fixed repayments to make budgeting easy
  • Other Additional Information: Make unlimited extra repayments, repay in full at anytime
  • Digital Banking

 Product Eligibility

  • Min Age - 18.
  • Residency Status - Australian Permanent Residents And Citizens.

 Bank Fees and Charges

  • Application Fee (Upfront), Amount: 250.00. Additional Information:
  • Default Fee - If Payment Remains Outstanding After Its Due Date (Event), Amount: 30.00.
  • Monthly Administration Fee (Periodic), Amount: 0.00.
  • Heritage Cheque Fee (Withdrawal), Amount: 10.00. Additional Information: Heritage Cheque fee payable to Heritage if credit under this Credit Contract is provided by a cheque drawn by heritage on itself
  • Special Request Transaction Listing Fee (Event), Amount: 7.50. Additional Information: Whenever a listing of transactions between two given dates is issued on your account
  • Redraw Administration Fee (Withdrawal), Amount: 20.00.
  • Direct Debit Dishonour Fee (Transaction), Amount: 10.00.
  • Capital Reduction Recalculation Fee (Event), Amount: 75.00. Additional Information: If you ask Heritage to capitalise payments in advance or payment or proposed payment under the credit contract
  • Document/record Search Fee (Event), Amount: 12.00. Additional Information: Whenever Heritage provides a copy of a document relating to your loan at your request or at the request of a security provider
  • Ppsr Search Fee (Variable), Amount: Not Listed.. Additional Information: When Heritage carries out a PPSR search on a motor vehicle subject to a security. Fee is charged per PPSR search.
  • Enforcement Fee (Event), Amount: 20.00. Additional Information: Payable if we make good on a default under a security by performing a financial obligation (such as payment of an insurance premium or rates).
  • Renegotiation Fee (Event), Amount: 250.00. Additional Information: Payable each time you ask us to vary your credit contract or we offer a new credit contract to you.
  • 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.
  • Change Of Term Fee (Event), Amount: 75.00. Additional Information: Payable if you to ask us to agree or offer to change the loan term.
  • Interest Recalculation Fee (Event), Amount: 20.00. Additional Information: Payable if you request us to make an interest recalculation on your loan.
  • 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
  • Bank Cheque Fee (Variable), Amount: Not Listed.. Additional Information: Cost payable to any bank issuing a bank cheque for settlement on settlement of loan.

 Limitations & Restrictions (Constraints)

  • Min Limit of 5000.00
  • Max Balance of 50000.00 Additional Information: Unsecured

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