The Heritage Bank 'People first' Difference

As Australia's largest customer-owned bank, we've been in the business of putting people first since 1875. With no shareholders to please, all our profits can go back to our customers and communities, which means better rates that go back to your wallet, and millions of dollars in grants that go back to local communities.

Good luck finding a lower variable home loan rate

4.19 %pa
4.24 %pa
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What is a mortgage offset account?

Front and centre of saving both money and years off your home loan is having an offset account.

What to do in the final 10 minutes before your open house

You've spent weeks, maybe even months, preparing for your house to be on the market - you've touched up paint, improved lawns and spent hours removing scuff marks. Here's what to do in the final 10 minutes before your house is open to the public.

Self-managing your rental property: understand the responsibilities

Investing in and managing property comes with a range of responsibilities. There's lots to consider when it comes to your investment property - including what you'll be responsible for if you self-manage a rental property.

Saving calculated on first 12 months after switching a mortgage from a big four bank rate to Heritage’s Discount Variable Home Loan. Conditions, criteria and fees apply.

* Based on a $150,000 loan over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.