Home Loans

Find the right home loan for you

Discount Variable

4.08 %pa
4.13 %pa

Our cheapest, simplest variable rate loan, is still packed with features.

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Bridging Loan

5.34 %pa
5.41 %pa

Buy your dream home before you've sold your existing property with no repayments until you move!

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Offset Accounts

Pay off your home sooner and save money at the same time.

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Reverse Mortgage

If you are 50 or over, you can turn your home into a cash asset.

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Package your home loan and save, with the Home Advantage Package

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The Harris family from Applethorpe are saving $135 a week with their Heritage Bank home loan

Switch your home loan from one of the big four banks to Heritage.

Find out how much you could save

Get our FREE eBook

For more information about buying your next home download our FREE Little eBook of Home Buying Tips now. You’ll find lots of great information such as how to prepare for your home loan application, how to get the most out of the real estate agent, how to negotiate and lots of other tips and tricks you’ll find useful to have on hand.

Get a FREE RPData Property Report

Want to know how much your dream first home last sold for? We can send you a free RP Data property report, valued at $50. It includes a recent sales history, suburb data and much more.

Saving calculated as at 11 March 2015 on first 12 months after switching a mortgage from a big four bank rate to Heritage's 3 year Fixed Rate Home Loan. Conditions, criteria and fees apply.

* 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.

No application fee offer valid for new standard variable, discount variable and fixed rate home loans applied for between 9 September 2015 and 30 November 2015 and disbursed by 29 February 2016. Offer not valid for further advances, living equity or line of credit loans, existing customers switching loans, internal refinances, or borrowing for alterations and additions. Conditions, criteria and fees apply.

Interest rates are on a per annum basis. Rates and discounts are correct as stated and subject to change without notice. Discounts shown are for new loans and do not apply to switches or internal refinances. Discounts are not available in conjunction with any other interest rate discount or special offer. All fixed rates are fixed for the period stated and revert to the variable rate applying at expiration of the fixed term. To approved applicants only. Conditions, criteria and fees apply.

Home Advantage Variable rates include discounts shown from the Standard Variable rate. Home Advantage Living Equity rates include discounts from the Living Equity rate. Discounts are based on total lending in the package.