Buying your next home or property | Home Loans | Heritage Bank

Buying your next home

Are you ready to buy your next home? Whether you are moving to a new town, upgrading to your dream home or downsizing, it’s important that you choose a home loan with features that suit you. Find out how Heritage can help you buy your next home today.

Find out how we can help you

Estimate my next home loan

Many people utilise the equity in their current property to fund the deposit for their next home. Try our home loan calculator below to see which of our home loan products could help you buy your next home using your equity. Then get in touch with our Lending Specialists who will help you calculate how much you can borrow and arrange a valuation of your existing property.

I want to borrow


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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.

What makes our home loans better?


Flexible repayment options

Free unlimited extra repayments and online redraw of payments in advance


Package your loan

Package your eligible Standard Fixed or Standard Variable home loan with a credit card in our Home Advantage Package to save


People first service

People first service and commitment to our customer-owned values

Other ways we can help you

What is the home loan application process?

Buying your next home 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 home loan products and discuss your financial situation so that you can decide whether you’re ready to buy your next home. 
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.

What if I want to buy land or build?

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.

What if I buy before I sell?

Whether you're upgrading to your dream home or moving to a new town, our Bridging Loan can help you by bridging the finance gap for up to 6 months, while you sell your current home. Let us know your plans during the home loan application process.

Calculate my moving costs

Selling your current property to buy a new home can be a very exciting and busy time. That's why it's important to consider all the costs of buying and selling your property, such as mortgage discharge costs and conveyancing fees. Help calculate the costs with our home buying and selling costs calculator. 

Home loan application checklist

Speed up and simplify your home loan application with this checklist, which covers identification, income, living expenses and other requirements you will need.

Can I seek pre-approval on my loan?

Yes! We offer 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 since 1875. In a world where so much has changed, our mission to put people before profits, never has. Learn more

Awards for Bank of the Year - Customer Service and Customer-Owned Institution of the Year