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.

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.