Following the Reserve Bank’s recent decision, we're reducing our variable rate home loans by 0.25%pa from 30 May 2025. Learn more here.
Green Car Loan
Make the switch to an electric, hybrid or hydrogen vehicle and be rewarded with a lower rate.†
About this Rate
Heritage Bank can help you with
Our personal loans are packed with features like low interest rates, unlimited extra repayments and free online redraw.
Refinance with a Heritage Home or Investment Loan, and if you're approved and funded before 30 September 2025 you'll go in the draw to win $50,000 credited to your Home Loan.^
Research tools
These articles may help you
In the current financial climate, we’re all looking for ways to save some money and at home is a great place to start.
Heritage and People's Choice have officially merged to create a new national mutual that offers a compelling alternative to the big banks, and we'd like to share our new brand with you.
Contact us 24/7
Our local Australian contact centre is waiting for you. Call us 24/7 on 13 14 22. If overseas, call +617 4690 9000.
Learn more
Our locations
Visit us in branch today. Our branch locator can help you find the closest Heritage Bank branch or ATM near you.
Learn more
Scam help
Fight scammers with the help of Heritage. Report scams to us 24/7 on 13 14 22 and keep up to date with our latest scam alerts.
Learn more
Sustainability
We understand that the longevity of our society depends on the sustainability of our environment, communities and business practices.
Learn more
Proudly supporting people's firsts.
Helping our customers achieve their firsts in life and reach their financial dreams is at the heart of all we do. Whether it's your first car, home or business, we're proud to support your journey every step of the way.