What makes our home loans better?


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Flexible repayment options

Unlimited additional repayments and online redraw available

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Package your loan

Package your eligible Standard Fixed or Standard Variable home loan with a credit card in our Home Advantage Package to save

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People first service

People first service and commitment to our customer-owned values



Plus a great home loan rate and no application fee#.

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

Customer-Owned Banking you can bank on.

Established in 1875, and with more than $11 billion in assets, Heritage is one of Australia's largest Customer Owned Banks.

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.

Home loan extras

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

Home Advantage Package Our home loan package  
Family Guarantee Guarantor solution
Living Equity Loan Line of credit
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
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Interest rates for loan switches, refixes and products withdrawn from sale (PDF)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

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.