Refinance a Home Loan to Heritage | Home Loans | Heritage Bank

Refinance a Home Loan to Heritage

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

What makes our home loans better?


Flexible repayment options

Unlimited additional repayments and online redraw available


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

Find out how we can help you

Find out how we can help you

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

I want to borrow


  • Calculate


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.

The home loan refinance process 

The home loan refinance process 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. 
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.

Mozo People's Choice Awards 2022
Other ways we can help you

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. 

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.

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.