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Home Loans rates, fees and terms

You’ll find all you need to know about interest rates and fees for Heartland Home Loans here. Our current home loan rates are below. Interest rates are subject to change without notice. We will confirm the applicable interest rate for your loan during the loan application process.

1 year fixed

1.99

%

p.a.

2 year fixed

2.35

%

p.a.

3 year fixed

2.45

%

p.a.

floating

2.95

%

p.a.

Loan setup fees

Establishment fee

Nil

We won’t charge you anything when you apply online for a Heartland Home Loan.

Maintenance

Refinance fee

$100

We may charge you this fee if you apply for an increase to your existing loan, including approval and acceptance.

Variation fee

$100

We may charge you this fee if we agree to vary the terms of your Heartland Home Loan.

Discharge fee

$25

We will charge you this fee to release your mortgage once your loan is repaid.

Prepayment administrative fee

$100

We may charge you this fee if you make a full or part prepayment under your Heartland Home Loan.

Prepayment fee

We will charge you any reasonable estimate of our loss (if fixed rate).

Recovery costs

Actual costs

We will charge you any costs charged by third parties if you breach the terms of your Heartland Home Loan (e.g. legal fees) or if we take steps to enforce or protect our rights or our security. We can provide copies of the invoices on request.

Other costs

Actual costs

We will charge you any costs for payments that we may incur on your behalf. We can provide copies of the invoices on request.