Heritage Bank

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. Unlike the big banks, we’re not affected by the proposed bank levy. And with no shareholders to pay, we can return a large share of our profits to our customers and communities, through better rates and fairer fees, and grants and support for local community activities.

Home loan rates from

3.99 %pa
4.04 %pa

What is a customer-owned bank

Customer-owned banks, such as Heritage, operate on a different business model to other banks. Here are the three main differences you'll find with a customer-owned bank.

How to plan for retirement

Having strategies in place to build your retirement savings as much as possible before you retire is an important step towards helping you enjoy your golden years.

Moving in with a partner: discussing money

Discussing money is an important step when planning to move in with a partner. Here's a list of things to discuss before you move in together.

Heritage Bank Limited ABN 32 087 652 024. AFSL and ACL 240984 arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No 234708 (Allianz). Terms, conditions, limits and exclusions apply. Before making a decision, please consider the Product Disclosure Statement available from heritage.com.au. If you purchase this insurance, we receive a commission that is a percentage of the premium. Ask us for more details before we provide you with services.Competition runs from 29/05/17 – 28/07/17. Prize is drawn on 02/08/17 at Anisimoff Legal, Suite 5, Erina Plaza, 210 Central Coast Highway, Erina NSW 2250. Winner’s name published in The Australian on 05/08/17. Authorised under NSW Permit No: LTPS/17/13353, ACT Permit No: TP17/00729, SA Permit No: T17/677. Promotion terms and conditions available here or at allianz.com.au/prize. Promoter is Allianz.

* 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.