Heritage Finance Holdings Corporation is currently reviewing its position in relation to the RBA’s decision on 6 September to increase the Official Cash Rate. We'll make an announcement here as soon as we finalise our decision.
Flexibility is key when it comes to not only growing your family but planning and working through financing your family. You may be going from two incomes to one, paying for specialist care, looking for day care and planning ahead towards education costs. These costs aside, you’ll need to make sure your day-to-day spending is managed to help reduce stress and enjoy your family. Flexibility means the ability to customise products to suit your situation and change products as life goes on.
From reduced income, to nappies and healthcare costs, use our budget planner to help get your head around the costs you’re up for.
Consider looking into life insurance products designed to protect you and your family should something happen.
Going back to work after having a baby comes with lots of considerations, including the cost of childcare. What will your take home pay look like after paying for childcare? Talk to your childcare centre for a quote, or try Centrelink's Payment Finder to get an estimate of your fees.
There are a number of costs that will naturally come with growing your family – both in the short term and the long term. Some costs will depend on your priorities for your family, such as whether you take out private health, pay for education, travel, and even the size and location of the house you purchase. Your priorities and the costs associated will impact your overall budget and the way you plan for the financial future of your family. Considerations include:
There are lots of ways to save money – from altering day-to-day spending, to ensuring you’re getting the best deal when it comes to your home loan.
We are in the business of putting People first – and that means helping families as they grow. We offer a range of lending, deposit, and insurance products with options specifically tailored for all situations.
We understand everyone’s needs are different, and that includes how your needs change when you’re growing a family. This is why we take a personal approach to fitting a home loan to suit you.
Using a high earning transaction account can help with all those extra expenses that go along with growing a family, while getting the most out of your cash when it’s not being used.
Save money off your home loan with our 100% offset account, available on our Standard Variable Home Loan.
Use a credit card for everyday purchases and keep cash in your account for longer. Pay your card off by the due date to avoid interest charges and stay ahead.
Our personal loans are great for when you need to buy a new car, pay for education, or for when unexpected costs such as healthcare needs pop up.
We have you covered with our comprehensive range of insurance products. With products and options to tailor your cover, you can select the right product for you.