Home Loans
Find the home loan that fits you
If you're looking for a variable rate home loan with flexible access, we have options for you.
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 |
Refinance with Heritage Bank for a chance to win $50k#
Apply for a Heritage Home or Investment loan, and if you’re approved and funded before 30 September 2025 you’ll go into the draw to win $50,000 credited to your Home Loan#
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
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.
Are you an existing Heritage member?
This will determine how best we can help.