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

Get the most out of your credit card's interest free period

Using a credit card can be a great way to purchase the things you want now while keeping that money in your savings account for longer. To make it work, you need to understand your card's interest free period.

How to improve your debt situation

From reviewing your budget to keeping an eye on interest rates and talking to your lenders, here's 6 ways to help you improve your debt situation.

3 things to do when you start a new job

If you're gearing up to start a new job there's a number of things you'll need to do to prepare. Here's 3 things to look at from a financial perspective.

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.

To approved applicants only. Conditions, criteria and fees apply. Offer applies to personal loans applied for between 1 July and 31 August 2017 and dispersed by 30 September 2017. Application fee on personal loans normally $200.

* 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.