5 Year Fixed Rate Home Loan

Our 5 Year Fixed Rate Home Loan allows you to lock an interest rate in for a 5 year period so you know what your mortgage repayments will be.

4.99 % PA
Owner Occupied Principal & Interest Rate About this rate Apply now
4.81 % PA
Comparison Rate*

5 Year Fixed Rate Features

  • Lock in a competitive home loan rate for 5 years
  • Loans from $20,000 
  • Flexible access options
  • Unlimited additional repayments without penalty
  • Use this loan to build a home
  • People first service and commitment to our customer-owned values
  • Online redraw
  • Repayments calculated monthly. You can make payments as frequently as you choose within each month to pay the monthly amount due
  • Family Guarantee options available
  • Interest only repayment options for investment loans, for up to 5 years

Apply by 31 May 2022 and pay no application fee.

Save up to $600!#
Application Fee $0#
Monthly Fee $8
Online Redraw  $0
Settlement Fee $150
Loan Finalisation Fee $300
Other fees and charges may apply and will be outlined in your Credit Contract.

Home Advantage Package

When you package your eligible Fixed Rate Home Loan and credit card into our Home Advantage Package, you could save with fee waivers. Plus, you could access discounts on our Standard Variable Home Loan interest rate. Ask us about our Home Advantage Package when you apply.

Up to $4,000 cashbackon eligible home loans


For loans refinanced to Heritage with ≤80% LVR OR new loans with LMI.

For owner occupied and investment home loans.

Paid into your Heritage transaction account.

ⓘ Apply by 31 May and settle by 31 July 2022. T&C's apply. Click for full T&C's and FAQ's.
Research tools
Home Loan repayment calculator
Borrowing power calculator
Home Loan refinancing calculator
The home loan application process
Buying your first home guide
Investing in property
Interest rates for new home loans (PDF)
Interest rates for loan switches, refixes and products withdrawn from sale (PDF)
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If you have a question about our home loans, please tap here for live assistance.