What is LVR?
Learn more about Loan to Value Ratio (LVR), how it’s calculated and what effect it can have on your mortgage.
Learn more
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.
Featured loans
Home Advantage Package 3 year fixed rate
|
|
Comparison Rate^
|
This rate is for new, 3 year fixed, owner occupied principal & interest loans.
Home Advantage Package Standard Variable rate
|
|
Comparison Rate
|
This rate is for new owner occupied, principal & interest loans over $700,000 with LVR ≤ 80%.
Discount Variable Home Loan Rates from
|
|
Comparison Rate
|
Our cheapest, simplest variable rate loan, is still packed with features.
Why Heritage
Customer-Owned Banking you can bank on.
Established in 1875, and with more than $10 billion in assets, Heritage is Australia's largest customer owned bank.
Compare all loans and calculate
Home Loan Calculator
Our home loan repayments calculator helps you estimate the true cost of your mortgage, including stamp duty, rates, insurance, maintenance, and more.
Home Loan products
Why Choose a Package?
Package your standard variable, fixed rate or living equity loan together with a credit card, and save with discounts on interest rates and fee waivers.
Find the loan that fits you
We understand that everyone's needs are different, so we take a personalised approach to fitting a home loan to suit you. See which home loan could be a good fit for you with our loan chooser tool!
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