Community Banking

At Heritage we have a philosophy of putting People first. So when some communities were abandoned by their banks in the late 90s, we stepped in with an innovative idea that put those people and their community first.

Heritage introduced true community banking by establishing a joint venture with the local community of Crows Nest in 1999. Since then Heritage has successfully introduced community banking into a further six communities.

It's just another way that we practice what we preach and put People first.

What is Heritage Community Banking?

Heritage provides true community banking, by working with communities to provide professional assistance to establish a full local banking service in their town or suburb.

How does it work?

Heritage community banking helps communities that lack financial facilities. Our Heritage community branches are based on a community-based company model.

Community Branch network

Heritage has a number of community branches operating in local communities.

Crows Nest

In 1999, the Crows Nest community were desperate for a stable financial services provider.

Forest Lake

In partnership with the local community, the Forest Lake Community Branch opened in October 2005.


The community of Highfields, just north of Toowoomba, has grown at an amazing rate over the last 20 years.


The local Karalee community opted to partner with Heritage Bank in 2005 to open this Community Branch.


Heritage offered Millmerran residents an opportunity to have a local bank run by a local team.


Heritage Nanango Community Branch has invested more than $5.9 million back into the Nanango community.


Palmwoods Community Branch has invested more than $3.3 million back into the community.

* Home loan comparison rate based on a $150,000 loan over 25 years.  Fixed loan comparison rate applies only for loans with an LVR of 80% or less and a loan amount of $150,000 to $249,999.  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.

Interest rates are on a per annum basis. Rates are correct as stated and subject to change without notice. Rates shown are for new loans and do not apply to switches or internal refinances.

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. Discount Variable LVR rates are for new lending and include discounts from the Discount Variable Loan Rate.  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.

Loan to Value Ratio (LVR) is the loan amount divided by the value of your security property (determined by Heritage Bank at assessment), multiplied by 100. Owner Occupied loans have a maximum LVR of 95%, Investment loans have a maximum LVR of 80% and Living Equity has a maximum LVR of 80%. Heritage is not accepting any new investment applications until further notice.

This advice has been prepared without taking into account your objectives, financial situation or needs. Because of this you should, before acting on this information, consider its appropriateness having regard to your objectives, financial situation or needs.

Generate a personalised Key Fact Sheet based on your loan amount, term and repayments. This tool is provided to help you compare home loans from Heritage with other financial institutions.