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. 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.

Home loan rates from

3.89 %pa
3.91 %pa

How to finance a renovation

The question of how to finance a renovation is top of the list when it comes to planning and preparing for work to be done on your home. We've put together a list of options for you to consider when it comes to financing a renovation.

How to pay for things overseas

Our Money Tip of the Day expert Michelle Kuskie says it's really important to do destination-specific research to find out how you can access money and pay for things overseas.

Terms and conditions apply. To be eligible, the new customer must supply the membership number of the existing customer who referred them at the time of membership creation or within 28 days of the membership being created. Existing customer membership numbers will not be accepted after 28 days. Membership numbers can be supplied by the new member to Heritage on 13 14 22 or at your nearest Heritage branch. Heritage’s Privacy Policy is available on the website here. When an existing customer refers a new customer and that new customer opens a savings, transaction or term deposit account, approved credit card, approved and fully funded home, personal or business loan, both the new customer and the referrer go in the draw to win a $1,000 gift card each. Only one entry per referred new customer is allowed. This promotion is open to residents of Australia, excluding those residing in the ACT. This promotion is authorised under NSW permit numbers LTPS/16/01922 and LTPS/17/12284. This promotion is open to all new Heritage members. Full terms and conditions available here. Heritage Bank Limited ABN 32 087 652 024. AFSL and Australian Credit Licence 240984.

* 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.