Help & Guidance

Feeling confident about your finances comes with having the right support on your side.

Manage your debt effectively
When it comes to managing you’re your debt effectively you are not alone. Whether you’re a current Heritage customer, or looking for change, our specialist lenders and financial planners are here to help.
  • Saving and Budgeting
  • Buying a Car
  • Buying a Home
  • Home Renovation
  • Travelling
  • Investing
  • Kids and Teens
  • Retirement
  • Business
  • Security and Scam
Saving and Budgeting
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How to save more money
Save more money, reach your goals sooner and feel more in control of your finances with our online guide.
10 top budgeting tips
Budgeting effectively is a great way to help improve you financial position. Check out this handy infographic for 10 of the best budgeting tips. 
Buying a Car
How much can I borrow to buy a car?
How much money you can borrow to buy a car depends on a number of things. Here's a list to consider before applying for a car loan.
A woman in her car at the beach looking at her phone
Drive away from the car yard with confidence
A new car is probably going to be your initial most expensive purchase prior to a home so it’s necessary to consider all the details and all your options.
Buying a Home
What is LVR?
Learn more about Loan to Value Ratio (LVR), how it’s calculated and what effect it can have on your mortgage.
How much money can I borrow?
How much money you can borrow will depend on a number of things. Here's four to consider.
Home Renovation
A woman gardening in her greenhouse
How to finance a renovation
Here's a list of options for you to consider when it comes to financing a renovation.
How to renovate a bathroom on a budget
Renovating a bathroom can be a big outlay of money. Here's some tips for renovating a bathroom on a budget.
7 ways to save for your next holiday
Saving up for a well deserved holiday can take time. Read our list of the seven small changes you can make to your everyday spending to get away sooner.
Kids jumping in the pool
5 property investment strategies
When investing in property you need to be clear with yourself on how you intend to make money from the investment. Here's 5 popular strategies.
Kids and Teens
Dad in the kitchen with his kids
Explaining credit to teenagers
Understanding credit is an important life skill. Explaining credit to teenagers is important and reading our list of recommendations can help.
How to choose a financial planner
Financial planners can help you put thought into action when it comes to your financial goals. Here's a three-step guide for choosing a financial planner.
How to help parents downsize
Helping a parent to downsize from the family home is an emotion-charged experience. Psychologist Ellen Jackson shares four tips to help make the process easier.
Couple driving their car at the beach
Small business pricing strategy: getting the most from what you do
We’ve rounded up four simple pricing strategies to help get you started with your own business.
How to choose a business structure
Starting a business involves a number of steps. To start with, you will need to decide on a business structure.
Security and Scam
Tips to avoid identity theft
Identity theft is a type of fraud that involves the theft of your personal information, here's tips on how to avoid becoming a victim.
What to do if you are a victim of identity theft
Here's what to do if you think your identity has been stolen.