Heritage Bank

The Heritage Bank 'People first' Difference

As Australia's largest customer-owned bank, we've been in the business of putting people first since 1875. With no shareholders to please, all our profits can go back to our customers and communities, which means better rates that go back to your wallet, and millions of dollars in grants that go back to local communities.

Good luck finding a lower variable home loan rate

3.89 %pa
4.26 %pa

20 cool ways to spend $3,000

A huge 83% of Aussies say they'd switch home loan providers if they could save around $3,000. Sound impossible? It's not! Here's 20 of the coolest ways you could spend that extra cash.

What is a mortgage offset account?

Front and centre of saving both money and years off your home loan is having an offset account.

To approved applicants only. Conditions, criteria and fees apply. Offer applies to personal loans applied for between  1 June and 31 July 2016 and dispersed by 31 August 2016. Application fee on personal loans normally $200.

Saving calculated as at 11 March 2015 on first 12 months after switching a mortgage from a big four bank rate to Heritage's 1 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.