Heritage Bank: Home Loans, Credit Cards, and Term Deposits

Welcome to the largest customer-owned bank in Australia

A great home loan rate and award-winning service? Bank you very much!

Apply before 30 April 2021 and you could enjoy up to $300 in bonus payments^~.

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Home Loan Rates from

New 2-Year Fixed Owner Occupied (Principal & Interest) Package Loans of $150,000+ up to 90% LVR¹. Package criteria applies.	*Comparison Rate See Comparison Rate warning**
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What our customers are saying

Be aware!

Visit our Security & Fraud Protection Centre to find out about the latest security alerts, who to contact, and tips on how to protect yourself from scams.

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WIN A $10,000^# RRP SMART HOME PACKAGE

Take out a new Allianz Home and Contents or Landlord insurance policy through Heritage by 30 April 2021 and you’ll be entered into the draw to win a Smart Home Package valued at up to $10,000^{^#}.

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We're supporting OzHarvest!

We're lending a helping hand to leading food rescue organisation OzHarvest to 'Nourish our Country'

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These articles may help you

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What is LVR?

Learn more about Loan to Value Ratio (LVR), how it’s calculated and what effect it can have on your mortgage.

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How much money can I borrow?

How much money you can borrow will depend on a number of things. Here's four to consider.

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Building equity in your property

Having equity in your home means the value of your property is more than how much you owe on it. Check out our tips on building your equity and how you might consider using it.

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Buying a home

See all our articles about Buying a Home.

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Customer Owned Banking

We're part of a movement that began in Australia over 150 years ago, when groups of like-minded workers and communities came together to create building societies, credit unions and mutual banks.

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Mobile Home Loan Lenders

Available in selected areas, Heritage Mobile Home Loan Lenders come to you at a place and time that suits - a cafe, work, Heritage branch, or your home.

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Our Locations

Find a Heritage branch or ATM when you are on the go.

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Our local Australian contact centre is waiting for you.

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