Following the Reserve Bank’s recent decision, we're reducing our existing variable rate home loans by 0.25% p.a. from 26 August 2025. Learn more here.

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Buy your first home
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Refinance to Heritage
Buy an investment property

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Variable rates
All interest rates

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Refinance calculator
Extra repayment calculator
All Calculators

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Loan Switch Calculator

Is your fixed rate home loan expiring? Use our loan switch calculator to crunch the numbers on switching to a variable home loan or locking in for another fixed term.

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Things you should know

*“Heritage Bank” and “People’s Choice Credit Union” are trading names of Heritage and People’s Choice Ltd ABN 11 087 651 125, Australian Financial Services Licence 244310 and Australian Credit Licence 244310. In this document People’s Choice Credit Union is also referred to as People’s Choice. Heritage and People’s Choice Limited is currently running a program in New South Wales. During the program, new-to-bank members who apply directly for a home loan through the Heritage Bank branches at Macquarie Park, Parramatta and Castle Hill, or new-to-bank members based in NSW who apply for a home loan online or start that journey through the call centre, will be offered People’s Choice branded products. Heritage Bank-branded home loan products will not be available to new-to-bank, direct applicants who fall within the above criteria during the period of the program.