Fixed Rate Home Loans

Our 1, 2, 3 or 5 year fixed home loans offer a range of features including unlimited extra repayments, award-winning service and our People first commitment.

Features

  • Certainty
  • Lock in a competitive home loan rate for a fixed term
    Certainty of repayments to confidently budget your expenses

  • Freedom
  • Enjoy the freedom of being able to make unlimited additional repayments without penalty
    Access your additional repayments made in advance via online redraw

  • Package your eligible home loan and credit card
  • Choose our Home Advantage Package to receive competitive package benefits

  • People first service 
  • People first service and commitment to our customer-owned values

More features

  • Fixed loans from $20,000
  • Ability to use repayments in advance towards your loan instalments
  • Repayments calculated monthly. However, you can make payments as frequently as you choose within each month to pay the monthly amount due
  • Interest only repayment option available for investment loans, for up to 5 years
  • Family guarantee options available
Rates

1 Year Fixed Rate - Owner Occupied
2.39 % PA 4.44 % PA
Rate for new owner occupied loans up to 90% LVR1
Comparison Rate*
2 Year Fixed Rate - Owner Occupied
2.19 % PA 4.23 % PA
Rate for new owner occupied loans up to 90% LVR1
Comparison Rate*
3 Year Fixed Rate - Owner Occupied
2.29 % PA 4.07 % PA
Rate for new owner occupied loans up to 90% LVR1
Comparison Rate*
5 Year Fixed Rate - Owner Occupied
2.59 % PA 3.87 % PA
Rate for new owner occupied loans up to 90% LVR1
Comparison Rate*

A home loan from a bank that really understands our needs? "Bank you very much!"

At Heritage Bank, our home loans feature a wide range of product benefits and features including competitive fixed and variable interest rates, no monthly or redraw fees and the ability to make increase or lump sum payments~And with $2,000 cashback# for First Home Buyers with Lender’s Mortgage Insurance, you’ll be saying "Bank You Very Much!" too.

Learn more

Fees

Application Fee $600
Monthly Fee $8
Online Redraw (on eligible loan accounts) $0
Settlement Fee $150
Loan Finalisation Fee $300
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