Variable Rate Home Loans

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

Variable rates
Discount Variable Rate
3.32 % PA 3.37 % PA
Comparison Rate

Loans from $150,000 and no monthly administration fee

Home Advantage Package Standard Variable rate
3.32 % PA 3.71 % 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
4.84 % PA 4.99 % 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 without penalty
  • Unlimited redraw facility
  • Online redraw available for eligible home and personal 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.
  • Valuation fee covered up to $330 (Applies to the first security property only, and where the valuation costs exceed $330, the difference is to be borne by the borrower)
  • Family Guarantee available (For owner occupied loans only)
  • Construction loan available
  • Interest only option for a maximum of 5 years (For Investment Loans Only)
  • Ability to use payments in advance towards your loan instalments
  • Discounts are available for the Standard Variable under the Home Advantage package

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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