System Requirements and Browser Settings

Internet Browser The latest versions of the following browsers:
  • Google Chrome
  • Microsoft Edge
  • Internet explorer 11
  • Mozilla Firefox
Mobile Browser The latest versions of the following browsers:
  • Google Chrome
  • Apple Safari
Computer Operating System
  • Microsoft Windows 7
  • Microsoft Windows 8
  • Microsoft Windows 8.1
  • Microsoft Windows 10
  • Apple OS X 10.9 (Mavericks)
  • Apple OS X 10.10 (Yosemite)
  • Apple OS X 10.11 (El Capitan)
  • Apple mcOS 10.12 (Sierra)
Mobile Operating System
  • Android 4.4 (KitKat) or above
  • iOS 8 or above
Screen Resolution 320px to 2560px width
Minimum Settings
  • Session Cookies Enabled
  • JavaScript/Scripting Enabled

Heritage on-line does not officially support operating systems and browsers other than those listed above. Some Linux users have reported successful Heritage on-line operation using Firefox, Opera and other browsers, but Heritage does not provide technical advice or support for such systems.

Please Note that the majority of access problems experienced by members accessing Heritage on-line can be overcome by simply adding the Heritage websites to the list of Trusted sites in Microsoft Internet Explorer, with a default security setting of LOW.

Common Settings

Session Cookies

A session cookie is a cookie that is maintained only while you are accessing the site. It is not stored on your PC’s hard disk, and simply resides in memory for the duration of your Heritage on-line session. When you log out of Heritage on-line or close your browser, the cookie disappears. No private or financial information is stored in this cookie – it is simply used to maintain a single session between your browser and the Heritage on-line web server.

The Heritage on-line site requires a session cookie. You need to adjust your browser settings to at least allow session cookies. If you do not want to allow cookies in general, then most browsers allow you to enable cookies for particular sites only, while permitting you to still block them for all other sites. If you use Microsoft Internet Explorer, we suggest simply adding the Heritage sites to your List of Trusted Sites.

What is a cookie?

A cookie is a text string that is saved into a file on your computer and is used by websites so that they remember who you are. A cookie cannot search your computer or look in other files – it is simply a text file.

What is actually stored in the cookie?

Usually a cookie will contain a random set of characters that tells a website that your browser has visited that website before. Sometimes a cookie can contain personal information, but it only contains information that you have given to that website, and it is always encrypted.


The Heritage on-line websites use Javascript, and you will therefore need this enabled when accessing these sites.

Pop-up Blockers

A pop-up blocker can block unwanted and often annoying windows and panels from displaying when you browse a website. However, sometimes links that you want to open can get blocked. If this happens when you are attempting to access Heritage-online or other parts of the website you may need to turn off your pop-up blocker temporarily or adjust your settings to allow the site to open pop-ups.

* 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.