Variable Rate Home Loans

Heritage offers variable rate home loans with competitive interest rates and lots of great features.

Variable rates
Home Loan - Discount Variable Rate
3.07 % PA 3.12 % PA
Comparison Rate

Loans from $150,000 and no monthly administration fee

Home Advantage Package Standard Variable rate
3.17 % PA 3.56 % PA
Comparison Rate
This rate is for new owner occupied, principal & interest loans over $700,000 with LVR ≤ 80%.
Why Choose a Package?
Package your standard variable, fixed rate or living equity loan together with a credit card, and save with discounts on interest rates and fee waivers. 
Standard Variable Rate
4.69 % PA 4.84 % PA
Comparison Rate

Loans from $20,000. Available in a Home Advantage Package.


  • People first service from your own dedicated lending specialist
  • Unlimited extra repayments
  • Ability to use payments in advance towards your loan instalments
  • Online redraw available for eligible home loans
  • Repayments are calculated monthly. You are able to make payments as frequently as you choose within each month to pay the monthly amount due.
  • First valuation fee covered up to $330#
  • Family Guarantee available for owner occupier loans
  • Construction loan available
  • Interest only repayment option available for investment loans, for up to 5 years

What is a Variable Rate Home Loan?

A variable rate loan means the interest you pay can go up and down in response to changes in interest rates. 
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