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 Offset Account 100% offset account available on eligible variable home loans

What makes our home loans better?


Flexible repayment options

Free unlimited extra repayments and online redraw of payments in advance


Family Guarantee

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


People first service

People first service and commitment to our customer-owned values

Research tools
Home loan repayment calculator
How much can I borrow?
Home loan refinancing calculator
The home loan application process
Buying your first home guide
Investing in property
Get a personalised Key Fact Sheet
Interest rates for new home loans (PDF)
Interest rates for loan switches, refixes and products withdrawn from sale (PDF)
Why Heritage
Awards for Bank of the Year - Customer Service and Customer-Owned Institution of the Year

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.

We're here to help

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

If you have a question about our home loans, tap here to get in touch with us in the way that suits you.