Home loans

Find the Heritage loan that’s right for you. Choose from one of our fixed or variable rate loans, all with competitive rates.

Featured loans

Pay no application fee and save up to $600 on your home loan

Hurry, offer ends 31 October 2019.
Home Advantage Package 3 year fixed rate
2.99 % PA 3.67 % PA
Comparison Rate^
This rate is for new, 3 year fixed, owner occupied principal & interest loans. 
Home Advantage Package Standard Variable rate
3.32 % PA 3.68 % PA
Comparison Rate
This rate is for new owner occupied, principal & interest loans over $700,000 with LVR ≤ 80%.
Discount Variable Home Loan Rates from
3.22 % PA 3.24 % PA
Comparison Rate
Our cheapest, simplest variable rate loan, is still packed with features.

Calculate your home loan repayments
Our home loan repayments calculator helps you estimate the true cost of your mortgage, including stamp duty, rates, insurance, maintenance, and more. 
Other loans
Fixed Rate Home Loans
Our fixed rate home loans allow you to lock an interest rate in for 1, 2, 3 or 5 years so you know exactly what your repayments will be.
Variable Interest Rate

If you are looking for a variable rate home loan, we have multiple options for you. 

Line of Credit
If you'd like a line of credit, you could consider using the equity you hold in your home as an asset.
Bridging Loan
A bridging loan is a short-term loan which bridges the finance gap between selling your current home and buying a new one.
Why Choose a Package?
Package your standard variable, fixed rate or living equity loan together with a credit card, and save with discounts on interest rates and fee waivers. 
Fit my loan
Find the loan that fits you
We understand that everyone's needs are different, so we take a personalised approach to fitting a home loan to suit you. See which home loan could be a good fit for you with our loan chooser tool!
Reverse Mortgage Loans
If you’re over 60 you could use the equity in your home to enjoy the things you want to do. Find out how we can help turn your home into a cash asset.
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Our specialists will help you find the right product and support you through every step of the purchase.

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