Heritage Lending

FAQ’s

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Have you any questions about our mortgage company or buy your home?

PMI is typically required when the down payment is less than 20% of the home's purchase price. It protects the lender in case the borrower defaults on the loan. Many mortgages allow for early repayment without penalties.

PMI is typically required when the down payment is less than 20% of the home's purchase price. It protects the lender in case the borrower defaults on the loan. Many mortgages allow for early repayment without penalties.

PMI is typically required when the down payment is less than 20% of the home's purchase price. It protects the lender in case the borrower defaults on the loan. Many mortgages allow for early repayment without penalties.

PMI is typically required when the down payment is less than 20% of the home's purchase price. It protects the lender in case the borrower defaults on the loan. Many mortgages allow for early repayment without penalties.

PMI is typically required when the down payment is less than 20% of the home's purchase price. It protects the lender in case the borrower defaults on the loan. Many mortgages allow for early repayment without penalties.

We provide a wide range of solutions including home loans, refinancing, business loans, asset finance, SMSF lending, personal loans, and debt reduction services.

While we’re based in Melbourne’s Western suburbs, we also assist clients across Victoria and beyond through our strong lender network.

A Low Doc Loan is designed for self-employed borrowers, contractors, and small business owners who may not have traditional PAYG income documentation. Alternative evidence such as BAS statements, accountant’s letters, or bank statements can be used.

Timeframes vary depending on the loan type and lender, but with our support, many approvals can be achieved within 1–3 weeks.

Yes. Our refinancing services allow you to access equity, consolidate debt, reduce interest rates, or restructure your loan to suit your changing financial goals.

Absolutely. We offer start-up loans, working capital finance, equipment loans, and other tailored solutions to support both new and growing businesses.

Unlike a single bank, we work with a wide panel of lenders, giving you access to more options, competitive rates, and loan structures tailored to your individual needs.

Yes. Through Limited Recourse Borrowing Arrangements (LRBAs), we can help you structure a compliant SMSF loan for property investment, working closely with your accountant and financial planner.

Yes. We conduct regular loan health checks, provide refinancing opportunities, and continue to advise on market changes to keep your finances on track.

Simply book a free consultation with our lending specialists. We’ll review your financial goals, explain your options, and guide you through the entire process from application to settlement.

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