Home Loans

Find the right home loan for you

Fixed Rate

4.49 %pa
4.55 %pa

The home loan for those who want a low rate, fixed repayments, and loads of features.

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Bridging Loan

5.19 %pa
5.26 %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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No app fee on new variable loans until 31 May
Save up to $600

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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.

No application fee offer valid for new standard variable and discount variable home loan applications applied for between 30 March 2015 and 31 May 2015 and disbursed by 31 August 2015. Offer not valid for fixed loans, further advances, existing customers switching loans, internal refinances, borrowing for alterations and additions, or Professional Packages. Save up to $600 off new loan application fees. Terms, criteria and fees apply.

Saving calculated 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 example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Interest rates are on a per annum basis. Rates and special offers are correct as stated but subject to change without notice. Discounts shown are not available in conjunction with any other interest rate discount or special offer, and do not apply to internal refinances.

To approved applicants only. Fees, charges and conditions apply.