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
4.24 %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.

4 things you will need to buy a home

Before you get starry-eyed with the idea of hanging hooks wherever you like and weeding the garden with actual purpose, here's four things you'll have if you are ready to buy your first home.

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. No Application fee offer valid for new standard variable, discount variable and fixed rate home loans and no annual fee for first year of Home Advantage package loans applied for between 1 April 2016 and 31 May 2016 and disbursed by 30 July 2016. Offer not valid for further advances, living equity or line of credit loans, existing customers switching loans, internal refinances, or borrowing for alterations and additions. Conditions, criteria and fees apply.

Competition runs from 02/05/16 – 01/07/16. Prizes are drawn on 6/07/16 at Level 13, 2 Market St Sydney. Winners’ names published in The Australian on 9/07/16. Authorised under NSW PERMIT NO. LTPS/16/01549; ACT PERMIT NO. TP 16/00377, SA PERMIT NO. T16/322. Promotion terms and conditions available at allianz.com.au/prize. Promoter is Allianz.

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.