Refinance a Home Loan | Heritage Bank

Refinance your home loan

Whether you're looking to save money on your interest rate, reduce your repayments or borrow more for renovations, home loan refinance can be easier than you think. If you'd like to refinance your home loan to Heritage, we're here to help.

Why refinance your home loan to Heritage?


Flexible repayment options

Free unlimited extra repayments and online redraw of payments in advance



If eligible, FASTRefi® allows your refinance to be processed much faster than a traditional refinance, often within days of returning signed loan documents.^


People first service

People first service and commitment to our customer-owned values

Variable Rate Home Loans

If you're looking for a variable rate home loan with flexible access, we have options for you.

Fixed Rate Home Loans
Our fixed rate home loans allow you to lock an interest rate in for 1, 2, 3 or 5 years so you know exactly what your mortgage repayments will be.
Find out how we can help you

How we can help you

Try our home loan calculator below to see which of our home loan products might suit your home loan refinance. We have variable and fixed loans available for both owner occupied and investment purposes.

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 based on current interest rates. 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.


How much money will refinancing save you?

Refinancing your home loan can be a great opportunity to save some money and pay off your loan sooner. Use our refinancing calculator to find out how much you could save by refinancing your home loan to Heritage. 

How does a home loan refinance work?

A home loan refinance 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 refinancing is right for you. When you’re ready to apply, your Lending Specialist will step you through the submission of your application and getting your new loan up and running. 

What is FASTRefi®?^

In a traditional refinance you'd be required to arrange settlement with your current lender which can take several weeks and plenty of paperwork. FASTRefi® enables your existing loan to be paid out prior to settlement so your refinance to Heritage is streamlined.^ Using this service will cost you no more than a standard refinance and provide you certainty of when your new loan will be available.

The FASTRefi® Process

FASTRefi Steps

If you'd like to use FASTRefi®, simply complete your home loan application as normal. Our Lending Specialists will help you confirm whether your loan is eligible for FASTRefi®, and guide you through the loan application and assessment process.

Would you like to learn more?

We're here to help

Our Lending Specialists are here to support you through every step of your home buying journey.

If you have a question about our home loans, tap here to get in touch with us in the way that suits you.

Other ways we can help you

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.

Compare all our 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.

Help with switching to Heritage

If you'd like to switch your banking to Heritage, we're here to help you through the process and beyond. Our Switch to Heritage guide can help you open your account, switch your regular payments and and explains how you can access your accounts, in your way. We're available 24/7 on 13 14 22 if you have any questions along the way.
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