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
2.87 % PA 2.89 % PA
Comparison Rate

Loans from $150,000 and no monthly administration fee

Home Advantage Package Standard Variable rate
2.97 % PA 3.34 % PA
Comparison Rate
This rate is for new owner occupied, principal & interest loans over $700,000 with LVR ≤ 80%.
Choose our Home Advantage 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
4.49 % PA 4.60 % PA
Comparison Rate

Loans from $20,000, 100% offset account and available in a Home Advantage Package.

Features

  • Flexible access options 
  • Make unlimited additional repayments without penalty
    Access your additional repayments made in advance via online redraw

  • People first service 
  • People first service and commitment to our customer-owned values

  • Family Guarantee options available 
  • First valuation fee covered up to $330#
  • Interest only repayment option for investors
  • Available for investment loans, for up to 5 years

  • Build loans available

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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