Investment Home Loans | Heritage Bank

Buy an investment property

Buying an investment property can come with both long and short-term benefits, depending on both your investment strategy and the property market you buy in. If you're thinking about investing in property, or would like to refinance your investment loan to Heritage, we have a variety of variable and fixed investment loans available.

What makes our investment home loans better?


Interest only for investors

Interest only repayment option for investment loans for up to 5 years



Split loans, unlimited additional repayments and online redraw available


People first service

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

Find out how we can help you

Find out how we can help you

Try our home loan calculator to see which one of our investment loan products might suit you. 

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By paying $loanFrequency_lyname instead of monthly, you could save $heritageRepayments_totalSaved & $heritageRepayments_yearsSaved over the life of your loan.

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Comparison rate

Indicative repayment amount only. Your credit contract will state a monthly repayment figure. You may make payments as frequently as you choose within each month to pay the monthly amount due.

Apply by 30 September 2022 and pay no application fee.

Save up to $600!#

$2,000 cashback on eligible home loans



Apply for an eligible home loan of $500,000 or more between 20 July and 30 September and settle by 31 December 2022.


Switch your salary

Open a Heritage transaction account and switch your salary. Your employer will need to deposit at least two pays within 60 days of your loan settling.


Get $2,000 cashback

If you've qualified, we'll deposit $2,000 cashback to your Heritage transaction account. Learn more about this cashback offer.

Other ways we can help you

The investment loan application process 

Buying an investment property starts with your first appointment with a Heritage Bank Lending Specialist. You can choose to have your appointment with us face to face, over the phone or by a video call. We’ll chat about our investment loan products and discuss your financial situation so that you can decide whether an investment loan is right for you.
If you’re ready to apply, your Lending Specialist will step you through the submission of your application, loan assessment and contract signing, then settlement. Learn more about the home loan application process or get in touch with us today.

Compare all Heritage Home Loans

If you'd like to compare the features and benefits of all the home loans we have on offer, visit compare all home loans.

Buying land and build loans

If you’re looking to purchase vacant land or build a new home rather than purchase an established property, we have options that may be suitable.

Construction Loans are different from a regular home loan because the funds are paid gradually to your builder as progress payments. While your property is getting built, your repayments are set as interest only to help you manage your budget.

Simply let us know of your plans to build when you apply for a home loan and we'll help you through the process.

Learn more about investing in property

Making money generally comes two ways – via working and investing. While some investments may be more suited to you than others, it’s important to consider how a diverse investment portfolio can increase your ability to make money, and decrease risk factors.

If you're thinking about investing property, there are a number of things to consider such as talking to a professional, your equity or deposit and the cost of managing a property. We've put together some tips in our Investing in Property Help Hub to help you get started.

Seeking pre-approval

Heritage offers a pre-approval process to help give you some peace of mind when you’re wanting to make an offer on a property.  

Enquire online, visit your local branch or phone 13 14 22 to find out if you qualify for a pre-approval or learn more about how pre-approval can help you.

Why Heritage?

People first. Always.

We've been committed to Australian communities for over 145 years. In a world where so much has changed, our mission to put people before profits, never has.

Heritage Bank Awards Rate City Gold Award 2022 Best Investor 3-Year Fixed Interest Only Loan