Skip to Content, Menu, Homepage
Talk to us today 13 14 22



Trust Heritage to cover the most valuable things in your life with an extensive range of insurance products to give you priceless peace of mind.

Find out more

Offset Accounts

Offset Accounts

Pay off your home sooner and save money at the same time.

Find out more

Security & Privacy

We take the ongoing trust that you place in us to protect your personal information very seriously.

Find out more

Home Loans

Switching your home loan to Heritage could save you thousands.

With one of the cheapest variable rate home loans in Australia, some of the best fixed rates around, and no app fee on our Discount Variable and Standard Variable loans until Christmas*, switching your home loan to Heritage could save you thousands. As well as ensuring we've got some of the lowest rates in the country, our home loans are also packed with features you'll struggle to find elsewhere, like unlimited extra payments and re-draws on our fixed rate loans (as well as variable loans of course), and a customer satisfaction rating that has averaged more than 90% for the last 17 years. If you're shopping around for a new home loan, experience the People first difference - visit your local branch, call us on 13 14 22, or visit your broker. We're always happy to chat.

Find the right home loan for you

Select and compare our wide range of home loans.

Fixed Rate

This is the home loan for people who prefer some financial certainty.

Professional Package

Bundle your loan, credit card and transaction account in this great package.

Bridging Loan

Buy your new dream home while your existing one is on the market.

Discount Variable

A special discounted variable rate home loan with basic features.

Reverse Mortgage

If you are 60 or over, you can turn your home into a cash asset.

Offset Accounts

Pay off your home sooner and save money at the same time.

Standard Variable

A variable loan with few restrictions and penalties.

Living Equity line of credit

Use the equity in your home for additional borrowing.

*No application fee offer valid for new standard variable and discount variable home loan applications applied for between 10 November and 23:59:59 AEST, 24 December 2014 and disbursed by 30 April 2015. Offer not valid for fixed loans, further advances (includes further advances to build), existing Heritage customers switching loans, internal refinances, borrowing for alterations and additions, or Professional Packages. Customers will save up to $600 off the application fee. To approved applicants only. Fees, charges and conditions apply. Heritage Bank Limited ABN 32 087 652 024 .AFSL and Australian Credit Licence 240984.

Rewarding You

Great discounts and rewards just for being a Heritage member.

At Heritage we put People first by rewarding our members with discounts and offers in our exclusive online shopping mall. Plus, if you hold certain Heritage products, we will reward you with Credits you can redeem for a range of items including gift cards, home wares, appliances and more.

Find out more