Loan Offset Account

Our partial offset account is great for day-to-day use and reduces the amount of interest you pay on your home or personal loan.


Customer Satisfaction

It's a promise.

Heritage has won Mozo's 2018 People's Choice award for Outstanding Customer Satisfaction. Just another way we're putting People first.

Available with these loans
Want a 100% Offset Account for your Home Loan?

Check out our Mortgage Crusher account.


Interest Rate
set-off is equivalent to:
$1 to $4,999
$5,000 or more
tiered interest rates calculated on daily balances and set-off applied monthly to qualifying linked heritage loan account
Rates Effective From 07/11/2018


Monthly account keeping fee

Transaction Type 

Fee Per Transaction

Direct credits and debits Free
Visa debit and Visa payWave Free
Counter cash deposits, withdrawals, transfers and BPAY® Free
Heritage ATM withdrawals, transfers and balance enquiries Free
Cheque deposits Free
Presented cheques 
Overseas ATM or counter withdrawals (Visa)  $5.00 plus overseas currency conversion fee 
Bank@Post Transactions* $3.00
*Bank@Post transactions are free for members for which a residential postcode recorded by Heritage is within the range 0000 to 3999 or 4311, 4312, 4313, 4360, 4361 and 4385 to 9999. 
These articles may help you

We are here to help

Our specialists will help you find the right product and support you through every step of the purchase.

Enquire now

Or call 13 14 22 to speak to an expert