Heritage Bank resumes investor lending

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1 Date: 6 October 2017 Heritage Bank resumes investor lending Heritage Bank will resume investor lending effective Monday 9 October We temporarily stopped accepting new applications for investment home loans from 1 September. This was to ensure we complied with regulatory limitations on investment lending growth. Prudent management of our investment lending portfolio is critical to ensure that we remain within caps APRA has placed on both growth in investor and interest only lending. After monitoring our approvals and composition of our loan portfolio, we believe we are now in a position to comply with se regulatory requirements moving forward, however it will be continue to be closely monitored. From Monday we are comfortable with resuming lending to investors, both for principal and interest loans, and interest only loans. The maximum Loan- to-value Ratio for all new investment lending will remain at 80%. Home Loan Campaign - no application fee With reintroduction of investment lending, we have also extended our campaign to include investment loans. Please refer to attached updated flyer. We have also updated our comparison rates for investment lending based on our current offer of no application fee for eligible 'new home loans' and waiving of first year's package fee on eligible home advantage package loans. Please ensure that se changes are communicated to appropriate people within your organisation. Loan qualifying details Loan Type New Mortgage Loans (fixed / variable)* Existing Variable rate Existing Fixed rate (within 24 months of expiring) Existing Fixed rate (with more than 24 months remaining) Repayment Type Commitment Calculation Higher of Qualifying Rate or actual rate + 2.2% ** Higher of Qualifying Rate or actual rate + 2.2% ** Higher of Qualifying Rate or actual rate + 2.2% ** Higher of Qualifying Rate or actual rate + 2.2% **

2 Interest Loans Line of Credits Interest Interest Based on principal amount owing, amortised over remaining principal & interest period applicable to loan ** Based on facility Limit, amortised over remaining principal & interest period applicable to loan ** * New mortgage loans / new lending are defined as loans which have not been funded, irrespective of financier or purpose of loan. ** Where remaining principal and interest term is unascertainable, maximum term for qualification is to be 25 years, apart from line of credit facilities, where maximum term for qualification is 20 years. The standard mortgage loan qualifying rate is currently 7.15% Regards Michael Trencher Head of Broker Distribution Heritage Bank M E trencher.m@heritage.com.au

3 Home Loan Rates For new lending - effective 1 September 2017 Loan product Owner-Occupier Loan Rates Current Discount New Change Comparison Rate * Variable Discount Variable: $150, % 4.59% 0.00% 4.61% LVR 1 <=80% 3.97% 0.62% 3.97% 0.00% 3.99% LVR >80%, <=90% 4.07% 0.52% 4.07% 0.00% 4.09% LVR >90%, <=95% 4.17% 0.42% 4.17% 0.00% 4.19% Standard Variable 5.14% 5.14% 0.00% 5.25% Home Advantage Variable: $150,000 to $249,999 LVR 1 <=80% 4.09% 1.05% 4.09% 0.00% 4.44% LVR >80%, <=90% 4.19% 0.95% 4.19% 0.00% 4.54% LVR >90%, <=95% 4.29% 0.85% 4.29% 0.00% 4.63% $250,000 to $699,999 LVR 1 <=80% 4.04% 1.10% 4.04% 0.00% 4.39% LVR >80%, <=90% 4.14% 1.00% 4.14% 0.00% 4.49% LVR >90%, <=95% 4.24% 0.90% 4.24% 0.00% 4.58% $700,000 or more LVR 1 <=80% 3.99% 1.15% 3.99% 0.00% 4.34% LVR >80%, <=90% 4.09% 1.05% 4.09% 0.00% 4.44% LVR >90%, <=95% 4.19% 0.95% 4.19% 0.00% 4.54% Fixed Standard Fixed: 1 year fixed 3.89% 3.89% 0.00% 5.12% 2 year fixed 3.99% 3.99% 0.00% 5.03% 3 year fixed 4.09% 4.09% 0.00% 4.96% 5 year fixed 4.49% 4.49% 0.00% 4.97% Home Advantage Fixed: 1 year fixed 3.89% 3.89% 0.00% 4.42% 2 year fixed 3.99% 3.99% 0.00% 4.42% 3 year fixed 4.09% 4.09% 0.00% 4.44% 5 year fixed 4.49% 4.49% 0.00% 4.60% Line of Credit Living Equity 5.51% 5.51% 0.00% N/A Home Advantage Living Equity: $150,000 to $249, % 0.46% 5.05% 0.00% N/A $250,000 to $699, % 0.51% 5.00% 0.00% N/A $700,000 or more 4.95% 0.56% 4.95% 0.00% N/A Bridging Finance Bridging Loan 5.69% 5.69% 0.00% 5.77% Things you should know Interest rates are on a per annum basis. Rates are correct as stated and subject to change without notice. Rates shown are for new loans and do not apply to switches or internal refinances. Home Advantage Variable rates include discounts from Standard Variable rate. Home Advantage Living Equity rates include discounts from Living Equity rate. Discounts are based on total lending in package. Discount Variable LVR rates include discounts from Discount Variable Loan Rate. Discounts are not available in conjunction with any or interest rate discount or special offer. All fixed rates are fixed for period stated and revert to variable rate applying at expin of fixed term. To approved applicants only. Conditions, criteria and fees apply. ^ 1 Loan The loan to Value to value Ratio loan amount of divided loanamonut by against value of value of property (determined property. by Heritage Bank at assessment), multiplied by 100. Owner Occupied loans have a maximum LVR of 95%. *Home loan comparison rate based on a $150,000 loan over 25 years. Fixed loan comparison rate applies only for loans with an LVR of 80% or less and a loan amount of $150,000 to $249,999. WARNING: These comparison rates are true only for examples given and may not include all fees and charges. Different terms, fees or or loan amounts might result in a different comparison rate. Heritage Bank Limited ABN AFSL Australian Credit Licence

4 Home Loan Rates For new lending - Effective 1 September 2017 Loan product Investment Loan Rates Variable Current Discount New Change Comparison Rate * Discount Variable: $150, % 5.14% 0.00% 5.15% P & I LVR 1 <=80% 4.49% 0.65% 4.49% 0.00% 4.51% Interest LVR 1 <=80% 5.14% 5.14% 0.00% 5.15% Standard Variable 5.69% 5.69% 0.00% 5.79% Home Advantage Variable: - P&I $150,000 to $249, % 0.95% 4.74% 0.00% 5.08% $250,000 to $699, % 1.00% 4.69% 0.00% 5.03% $700,000 or more 4.64% 1.05% 4.64% 0.00% 4.98% Home Advantage Variable: - Interest $150,000 to $249, % 0.25% 5.44% 0.00% 5.76% $250,000 to $699, % 0.30% 5.39% 0.00% 5.72% $700,000 or more 5.34% 0.35% 5.34% 0.00% 5.67% Fixed Standard Fixed: - P&I 1 year fixed 4.49% 4.49% 0.00% 5.67% 2 year fixed 4.49% 4.49% 0.00% 5.56% 3 year fixed 4.59% 4.59% 0.00% 5.49% 5 year fixed 4.99% 4.99% 0.00% 5.50% Standard Fixed: - Interest 1 year fixed 5.19% 5.19% 0.00% 5.74% 2 year fixed 5.19% 5.19% 0.00% 5.70% 3 year fixed 5.29% 5.29% 0.00% 5.68% 5 year fixed 5.69% 5.69% 0.00% 5.79% Home Advantage Fixed:- P&I 1 year fixed 4.49% 4.49% 0.00% 5.05% 2 year fixed 4.49% 4.49% 0.00% 5.03% 3 year fixed 4.59% 4.59% 0.00% 5.04% 5 year fixed 4.99% 4.99% 0.00% 5.18% Home Advantage Fixed: - Interest 1 year fixed 5.19% 5.19% 0.00% 5.12% 2 year fixed 5.19% 5.19% 0.00% 5.16% 3 year fixed 5.29% 5.29% 0.00% 5.22% 5 year fixed 5.69% 5.69% 0.00% 5.48% Line of Credit Living Equity 5.51% 5.51% 0.00% N/A Home Advantage Living Equity: $150,000 to $249, % 0.46% 5.05% 0.00% N/A $250,000 to $699, % 0.51% 5.00% 0.00% N/A $700,000 or more 4.95% 0.56% 4.95% 0.00% N/A Bridging Finance Bridging Loan 5.69% 5.69% 0.00% 5.77% Things you should know Interest rates are on a per annum basis. Rates are correct as stated and subject to change without notice. Rates shown are for new loans and do not apply to switches or internal refinances. Home Advantage Variable rates include discounts from Standard Variable rate. Home Advantage Living Equity rates include discounts from Living Equity rate. Discounts are based on total lending in package. Discount Variable LVR rates include discounts from Discount Variable Loan Rate. Discounts are not available in conjunction with any or interest rate discount or special offer. All fixed rates are fixed for period stated and revert to variable rate applying at expin of fixed term. To approved applicants only. Conditions, criteria and fees apply. 1 ^ Loan The loan to Value to value Ratio loan amount of divided loanamonut by against value of value of property (determined property. by Heritage Bank at assessment), multiplied by 100. Investment loans have a maximum LVR of 80%. *Home loan comparison rate based on a $150,000 loan over 25 years. Fixed loan comparison rate applies only for loans with an LVR of 80% or less and a loan amount of $150,000 to $249,999. WARNING: These comparison rates are true only for examples given and may not include all fees and charges. Different terms, fees or or loan amounts might result in a different comparison rate. Heritage Bank Limited ABN AFSL Australian Credit Licence

5 You find home. We ll fit loan. What campaign offer? No application fee on eligible owner occupier and investment new home loans Waiving first year package fee on eligible Home Advantage Package loans What loans are included? Standard Variable Discount Variable Fixed Rate Split loans with 50% or more in Standard Variable or Discount Variable Build loans What loans are excluded? Excluded loans are: Furr advances (including furr advance to build) Switching Split loan applications on existing Heritage Bank home loans Internal refinances Borrowing for altens and additions Bridging loans Living Equity loans Line of Credit Business loans Equity loans Talk to us today brokers.heritage.com.au #To approved applicants only. No application fee offer valid for new standard variable, discount variable and fixed rate home loans and no annual fee for first year of Home Advantage package loans, applied for between 1 September and 31 October 2017, and disbursed by 31 January Offer not valid for furr advances, living equity or line of credit loans, bridging loans, business loans, existing customers switching loans, internal refinances, or borrowing for altens and additions. Conditions, criteria and fees apply. Heritage Bank Limited ABN AFSL and Australian Credit Licence

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