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
Home Advantage Package 3 year fixed rate
2.99 % PA 3.59 % PA
Comparison Rate^
This rate is for new, 3 year fixed, owner occupied principal & interest loans. 
Home Advantage Package Standard Variable rate
3.17 % PA 3.56 % 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
3.07 % PA 3.12 % PA
Comparison Rate
Our cheapest, simplest variable rate loan, is still packed with features.
Why Heritage

Customer-Owned Banking you can bank on.

Established in 1875, and with more than $10 billion in assets, Heritage is Australia's largest customer owned bank.

Compare all loans and calculate

Home Loan Calculator
Our home loan repayments calculator helps you estimate the true cost of your mortgage, including stamp duty, rates, insurance, maintenance, and more. 
Home Loan products

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. 
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!
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We are here to help

Our specialists will help you find the right product and support you through every step of the purchase.

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Or call 13 14 22 to speak to an expert