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 repayments will be.

What is a Fixed Rate Loan?

By taking out a fixed interest loan you are able to safeguard yourself against changes in interest rates for a fixed period. A fixed rate can help you budget, as you will know exactly what your repayments will be, but you could miss out on any benefit from a decrease in interest rates within your fixed loan period.

  • People First service from your own dedicated lending specialist
  • Unlimited extra repayments without penalty
  • Unlimited redraw facility
  • Repayments are calculated monthly. You are able to make payments as frequently as your choose within each month to pay the monthly amount due
  • Minimum loan amount $20,000
  • Valuation fee on the first security is paid by Heritage up to a maximum of $330
  • Family Guarantee available
  • Ability to use payments in advance towards your loan instalments
  • Construction loan available
  • Interest only option for a maximum or 5 years (For Investment Loans Only)
  • Available with a Home Advantage Package
  • 1, 2, 3, and 5 year terms available

Fixed Rate Home Loans from
3.65 % PA 4.26 % PA
Interest Rate
Comparison Rate

Application Fee $600
Monthly Fee  $8

Reborrow Fees

(Reborrowing administration fee on loan accounts where allowed)

These articles may help you

We are here to help

Our specialists will help you find the right product and support you through every step of the purchase.

Enquire now

Or call 13 14 22 to speak to an expert