Home Loan Variable Rate

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

Variable rates
Home Loan - Discount Variable Rate
2.78 % PA 2.80 % PA
Comparison Rate^

Loans from $150,000 with no monthly administration fee

Home Advantage Package Standard Variable rate
2.88 % PA 3.25 % 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 with 100% offset account available. 


  • 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

Apply by 30 September 2020 and pay no application fee.

Save up to $600!
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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