$2,000 cashback on eligible home loans


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Apply

Apply for an eligible home loan of $500,000 or more between 20 July and 30 September and settle by 31 December 2022.

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Switch your salary

Open a Heritage transaction account and switch your salary. Your employer will need to deposit at least two pays within 60 days of your loan settling.

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Get $2,000 cashback

If you've qualified, we'll deposit $2,000 cashback to your Heritage transaction account. Learn more about this cashback offer.


Variable Rate Home Loans

If you're looking for a variable rate home loan with flexible access, we have options for you.

Fixed Rate Home Loans
Our fixed rate home loans allow you to lock an interest rate in for 1, 2, 3 or 5 years so you know exactly what your mortgage repayments will be.

More home loan options

Are you looking for a specific home loan feature? Along with variable and fixed home loans, we have a range of home loan options designed to suit different home buying journeys.

Home Advantage Package Our home loan package  
Family Guarantee Guarantor solution
Bridging Loan Buy new while your existing house is on the market
Mortgage Crusher Account 100% offset account
Heartland Reverse Mortgage Over 60's equity loan

What makes our home loans better?


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Flexible repayment options

Unlimited additional repayments and online redraw available

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Family Guarantee

Your family members can use the equity in their own home to provide additional security for part of your loan amount

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People first service

People first service and commitment to our customer-owned values



Research tools
Home Loan repayment calculator
Borrowing power calculator
Home Loan refinancing calculator
The home loan application process
Buying your first home guide
Investing in property
Interest rates for new home loans (PDF)
Interest rates for loan switches, refixes and products withdrawn from sale (PDF)
Get a personalised Key Fact Sheet
Why Heritage

"Heritage staff were really helpful and made it a really easy process. We've done what we wanted, and still have room to play if we need."

Heritage Home Loan customers, Fellows Family

People first. Always.

We've been committed to Australian communities since 1875. In a world where so much has changed, our mission to put people before profits, never has.

Mozo People's Choice Awards 2022

Our specialists are here to support you through every step of your home buying journey.

If you have a question about our home loans, please tap here for live assistance.