Home Loan Interest Rates

Looking for a variable or fixed home loan rate? View our home loan interest rates to see what interest rate may apply for your new owner occupied or investment loan.

Variable Rate Home Loans from
3.40 % PA 3.42 % PA
Discount Variable Owner Occupied (Principal & Interest) loans of $150,000 or more - up to 80% LVR
Comparison Rate*
Fixed Home Loan Rates From
4.99 % PA 4.35 % PA
New 2 Year Fixed Rate Owner Occupied (Principal & Interest) loans in Package of $150,000+ up to 95% LVR.
Comparison Rate*

Apply by 30 September 2022 and pay no application fee.

Save up to $600!#

Should I fix my home loan interest rate, or keep it variable?

There are lots of things to consider when buying a house or looking at refinancing and you might be asking yourself, should I fix my home loan or not? We’ve found a great article on the Australian Securities & Investment Commission’s (ASIC) MoneySmart website about just this. Be in-the-know and check it out for yourself now.

Existing Heritage home loan switching interest rates 

If you'd like to switch your Heritage loan to a different product, these are the owner-occupied and investment interest rates that apply.

Withdrawn and discontinued home loan interest rates 

View the interest rates for our owner-occupied and investment home loans that have been withdrawn from sale. 

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Interest rates for loan switches, refixes and products withdrawn from sale (PDF)
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