What is LVR?
Learn more about Loan to Value Ratio (LVR), how it’s calculated and what effect it can have on your mortgage.
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Home loans
Find the Heritage loan that’s right for you. Choose from one of our fixed or variable rate loans, all with competitive rates.
Pay no application fee and save up to $600 on your home loan
Hurry, offer ends 31 October
Find the loan that fits you
At Heritage Bank we understand that everyone's needs are different, so we take a personalised approach to fitting a home loan to suit you. Give our online loan chooser a go to see which loan could be a good fit for you.
Featured loans
Browse our featured loans or give our loan chooser above a go to see which loan could be right for you.
Discount Variable Home Loan
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Our cheapest, simplest variable rate loan, is still packed with features.
Home Advantage Package from
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Package your eligible loan together with a credit card and offset account and you could save thousands
Award winning Home Loan Packages
It's a promise.
Heritage has won Mozo's 2018 Experts Choice award for our Home Advantage Package. Just another way we're putting People first.
Compare all Home Loans
View all the home loans we offer as well as details on the features of each.
Calculate your mortgage repayments
Our home loan repayments calculator helps you estimate the true cost of your mortgage, including stamp duty, rates, insurance, maintenance, and more.
Why Choose a Package?
Package your standard variable, fixed rate or living equity loan together with a credit card and transaction account, and save with discounts on interest rates and fee waivers.
Add on Features
Family Guarantee Loan
If you’re struggling to save for a home deposit the Heritage Family Guarantee Loan can help.
Offset Accounts
An offset account operates like a savings account but instead of paying interest, it reduces the amount of interest you pay on your home loan.
These articles may help you
What is a cooling-off period?
A standard contract for buying a home in Queensland comes with a five day cooling-off period. Here's what it means.
Learn more
How much money can I borrow?
How much money you can borrow will depend on a number of things. Here's four to consider.
Learn more
How to finance a renovation
Here's a list of options for you to consider when it comes to financing a renovation.
Learn more
We are here to help
Our specialists will help you find the right product and support you through every step of the purchase.
Or call 13 14 22 to speak to an expert