Up to $4,000 cashback on eligible home loans. Bank you very much!

Plus, a great home loan rate and no application fee#. 

Choose the option that suits you

Our home loan cashback offers

Meet the Bonus Criteria with Heritage Bank

Refinance to Heritage

If you’d like to refinance your owner occupied or investment home loan to Heritage, now is a great time.

Apply to refinance your eligible home loan to Heritage before 31 May and settle before 31 July 2022. 

You could qualify for:

  • $4,000 Cashback if you take out a home loan of $700,000 or more with an LVR of 80% or less; or
  • $3,000 Cashback if you take out a home loan of $500,000 - $699,999 with an LVR of 80% or less. 
ⓘ View FAQs and further eligibility details
ⓘ What is LVR?

Apply for a Home Loan with Heritage Bank

Take out a new home loan with Lenders' Mortgage Insurance

Whether you're buying your first home, next home or an investment property, if your LVR is over 80% you will need Lenders' Mortgage Insurance (LMI). Apply for an eligible home loan with LMI before 31 May and settle before 31 July 2022.

You could qualify for:

  • $4,000 Cashback if you take out a home loan of $700,000 or more with LMI; or
  • $3,000 Cashback if you take out a home loan of $500,000 - $699,999 with LMI.
ⓘ View FAQs and further eligibility details
ⓘ What is LMI?
Our home loans
Home Loan Rates from
2.15 % PA 2.17 % PA
Discount Variable Owner Occupied (Principal and Interest) loans of $150,000+ up to 80% LVR
Comparison Rate* See warning

Why Heritage?

Heritage is one of Australia's largest customer-owned banks. This means we're owned by our customers (like you!), not shareholders. So, instead of pursuing massive profits, our focus is on putting People First.

We know that helping our customers reach their financial dreams is not just about great products and competitive rates, it's about their entire banking experience. When you choose Heritage you'll be supported with award-winning customer service from our branches in Queensland and NSW. Plus, our Contact Centre has a team available 24/7 for all your banking needs.

Ready to get started? 

Enquire online and we'll get back in touch with you to start the home loan application process. You can also start a quick web chat, call us 24/7 on 13 14 22 or get in touch with your local branch.

What makes our home loans better?


Flexible repayment options

Unlimited additional repayments and online redraw available


Family Guarantee

Your family members can use the equity in their own home to provide additional security for part of your loan amount


People first service

People first service and commitment to our customer-owned values

Research tools
Home Loan repayment calculator
Borrowing power calculator
Home Loan refinancing calculator
The home loan application process
Buying your first home guide
Investing in property
Interest rates for new home loans (PDF)
Interest rates for loan switches, refixes and products withdrawn from sale (PDF)
Get a personalised Key Fact Sheet
Cashback FAQs

What is an eligible home loan? 

An eligible home loan is an owner occupied or investment home loan of $500,000 or more which meets the following criteria:

a. The product taken out is one of the following Heritage home loans:

> Discount Variable;
> Standard Variable (including Home Advantage Package eligible loans);
> Fixed Rate (including Home Advantage Package eligible loans); and

b. The home loan is either for:

> A refinance from another lender with a maximum Loan to Valuation Ratio (LVR) of 80%; or
> A new home loan that requires Lender Mortgage Insurance (LMI) with a minimum LVR of 80%.

You'll also need to hold either a Simply Access or a Mortgage Crusher account to receive the Cashback.

What are the exclusions?

The offer excludes: 

  • Internal refinances, switches and re-fixes of existing Heritage home loans; and
  • Home loans that are paid out or closed before the cashback payment; and
  • Bridging Loans, Line of Credit and Business Loans. 

How do I open a Heritage transaction account?

We can help you open a new transaction account during your home loan application process, or you can choose to open an account online now before you apply. Learn more about our Simply Access transaction account or Mortgage Crusher offset account.

 What are the terms & conditions for the promotion?

Looking for the legal stuff? View our full terms and conditions online here.

When is the Cashback offer available?

You must apply for an eligible home loan between 1 April 2022 and 31 May 2022 and settle on or before 31 July 2022.

How and when will the Cashback payments be paid?

  • Heritage will pay the Cashback into a Simply Access or Mortgage Crusher Account held under the same membership as the loan application.
  • The Cashback payment will be made as one (1) total payment, within 60 days of settlement of the eligible home loan. The payment will appear on your statement as either "Refi Cashback Offer" or "LMI Cashback Offer";
  • Payments will not be made to another financial institution or other Heritage Bank accounts other than as outlined in the Terms and Conditions;