Heritage Bank Pro Pack Variable

Heritage Bank
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Headline interest rate p.a.
Comparison rate p.a.
Annual fee

Moneybuddy says

Heritage Bank's Professional Package Standard Variable rate home loan option is great if you desire one affordable annual fee on combined home loan, credit card and transaction accounts.

The Basics

Max LVR 90.00%

Interest type Variable rate

Headline interest rate p.a. 5.23%

Comparison rate p.a. 5.51%

Annual fee $250

The cool stuff: features

Draw down loan progressively -

Insurance details -

Loan is Transferable -

Line of credit available No

Product suits Owner - Occupier

The Facts & Figures

Introductory rate p.a. -

Introductory term -

Interest rate (p.a.) 1 year 5.23%

Interest rate (p.a.) 2 years 5.23%

Interest rate (p.a.) 3 years 5.23%

Interest rate (p.a.) 4 years 5.23%

Interest rate (p.a.) 5 years 5.23%

Interest rate (p.a.) 7 years 5.23%

Interest rate (p.a.) 10 years 5.23%

Interest rate (p.a.) 15 years 5.23%

Comparison rate (p.a.) 1 year 5.76%

Comparison rate (p.a.) 2 years 6.40%

Comparison rate (p.a.) 3 years 6.40%

Comparison rate (p.a.) 4 years 6.40%

Comparison rate (p.a.) 5 years 6.40%

Comparison rate (p.a.) 7 years 6.40%

Comparison rate (p.a.) 10 years 6.40%

Comparison rate (p.a.) 15 years 6.40%

Minimum loan term -

Maximum loan term -

Min loan amount -

Max loan amount -

Early repayments Yes

Redraw facility Yes

Repayment holiday No

Ability to split loan Yes

Extra repayments Yes

Offset account available Yes

Interest only payments Yes

The ugly stuff: fees

Application fee $600

Valuation fee -

Subsequent valuation fee -

Valuation fee details -

Discharge fee -

Discharge fee details -

Legal fee -

Settlement fee -

Redraw fee -

Comparison Rate Disclaimer -

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Warning: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Heritage Bank says

Our awarding-winning, all-in-one Professional Package has won Money Magazine’s 2010 Cheapest Home Loan Package and the Cheapest Flexible Home Loan!

Key features

  • Variable rate home loan
  • $600 application fee
  • $250 annual fee
  • The package combines the home loan, credit card, and transaction accounts into one
  • Redraw facility
  • Extra repayment permitted
  • Split loan facility
  • 100% mortgage offset account available
  • Minimum deposit of 10%


  • Free or reduced price usage on ATM withdrawals, transfers, and enquiries
  • No early repayment charges
  • Interest only payments permitted


  • No construction loan feature
Interested in this home loan?

We can pass your details on directly to a home loan expert from the bank, who will contact you within 24 hours to discuss your situation.


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We've partnered with Tomorrow Finance for home loan data, advice and details. You will be contacted within 24 hours by a home loan expert from the bank to discuss your situation. There is no obligation to complete the home loan. You are simply making an enquiry.

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