Fixed Loan

Variable Rate

7 .04% p.a.

Fixed Rates: Popular Terms (p.a.)

		Comparison Rate
1 Year	6.09%	6.77%
2 Year	6.15%	6.72%
3 Year	6.29%	6.71%
5 Year	6.59%	6.77%

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Fixed

$20,000 $9,999,999

$600.00

95%

$5.00
Monthly

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Loan Details

Loan Type

Fixed

Security Type

ResidentialProperty

Availability

Owner Occupiers, Investors

Repayment Options

Principal & Interest, Interest Only

Repayment Frequency

Weekly, Fortnightly, Monthly

Interest Rate Notes

Min Loan Term

Max Loan Term

Min Loan Amount

$20,000.00

Max Loan Amount

$9,999,999.00

Max Loan to Value Ration (LVR)

80%

Max LVR with Mortgage Insurance

95%

Features

Extra Repayments

Loan is Transferable (Portable)

Transfer Fee

$450.00

Mortgage Offset Available

Mortgage Offset 100%

Mortgage Offset Rate

Redraw Available

Min Redraw Amount

Max Redraw Amount

Redraw Fee

$20.00

Redraw Notice Period

Redraw Method

Redraw Notes & Comments

Split Account

Split Available

Max No. of Accounts for Split

Separate Statements for Split

Statement Frequency

Fixed Option

Fee for Fixing

Fees

Application Fee

$600.00

Legal Fee

Valuation Fee

Settlement Fee

Service Fee

$5.00

Exit Fee

$200.00

Early Termination Fee

Early Termination Fees (3 Year Cost)

Early Termination Fees (5 Year Cost)

Switching Fee

Switching Fee Notes:

Break Costs

Maybe payable if a fixed rate loan is repaid within a fixed rate term.

General Fee Notes:

Heritage will pay valuation fees up to $330 dollars after that the member is required to pay

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