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Annual Income:	Current equity?
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Loan Details
Loan Purpose
Refinancing/Consolidation Moving or Renovating Building Investing in Property Reverse Mortgage Pre-approval First Home Buyer
Loan amount >$50,000	Est. property value $
Buy/Refinance:
Immediately 1 month 2-3 months 3-5 months More than 6 months
5% genuine savings?
Yes - Other property is owned Yes - A cash deposit has been saved Yes - I own shares and other assets No
15% deposit? Security? Yes No Yes No
Credit history:
Excellent Fair Impaired
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Lender	Rate	Comparison Rate	App Fees	Monthly Repayment
Fixed Rate Home Loans - Heritage - 1 yr fixed
	6.49%	7.05%	$600	$1,894
Variable Rate Home Loans - Heritage - Basic
	6.64%	6.68%	$600	$1,924
Professional Package Home Loans - Heritage - Professional Standard Variable
	6.64%	6.75%	$0	$1,924
Professional Package Home Loans - Heritage - Professional Living Equity
	6.74%	6.85%	$0	$1,944
Fixed Rate Home Loans - Heritage - 2 yr fixed
	6.89%	7.07%	$600	$1,974
Fixed Rate Home Loans - Heritage - 3 yr fixed
	6.95%	7.08%	$600	$1,986
Bridging Home Loans - Heritage - Bridging Loan
	7.05%	7.1%	$900	$2,006
Variable Rate Home Loans - Heritage - Investment Standard Variable
	7.05%	7.1%	$600	$2,006
Variable Rate Home Loans - Heritage - Variable
	7.05%	7.1%	$600	$2,006
Line of Credit Home Loans - Heritage - Living Equity
	7.12%	7.19%	$600	$2,020
Variable Rate Home Loans - Heritage - Premium Variable
	7.21%	7.22%	$0	$2,038
Fixed Rate Home Loans - Heritage - 5 yr fixed
	7.49%	7.28%	$600	$2,096

The comparison rate applies only to $300,000 with a loan term of 30 years. The loan amount and term will affect the comparison rate calculation. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparsion rate calculation but may influence the cost of the loan.
This rate is to be used as a guide only and we recommend that you confirm it with us before acting upon it.
The information provided in this website is a guide only and may not be complete for your purposes.