Refer a friend

Your chance to win a $1,000 Visa gift card

So refer a friend, refer a family member, a neighbour, a colleague, anyone you can find! You both could benefit from a $1,000 windfall.

To ensure you both receive your entry into the draw, the new customer should tell Heritage that they were referred - and if possible, give Heritage the member number of the referrer. The new customer has 28 days to supply this information to ensure you'll both be in the draw!

Would you like a $250 Visa gift card as well?

Having a customer recommend a Heritage home or business loan is a big honour for us. So it deserves a big reward. When a friend or family member you've referred opens a Heritage home or business loan within three months of becoming a Heritage customer, you both receive a $250 Prepaid Visa gift card. Wouldn't that be nice to come home to?

Congratulations to our latest winners

June 2017 Winners

Ms Daphne Venz, Chinchlla, QLD
Mr Noel Hopper, Bell, QLD

To view all of our lucky winners click here.

For full details of this promotion, refer to the promotion terms and conditions.


 I recently opened an account and I forgot to tell Heritage that I was referred by my friend?

 How many people can I refer to Heritage?

 How do I activate my Heritage Visa gift card?

 Where can I use my Visa gift card?

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* Home loan comparison rate based on a $150,000 loan over 25 years.  Fixed loan comparison rate applies only for loans with an LVR of 80% or less and a loan amount of $150,000 to $249,999.  WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Interest rates are on a per annum basis. Rates are correct as stated and subject to change without notice. Rates shown are for new loans and do not apply to switches or internal refinances.

Home Advantage Variable rates include discounts shown from the Standard Variable rate. Home Advantage Living Equity rates include discounts from the Living Equity rate. Discounts are based on total lending in the package. Discount Variable LVR rates are for new lending and include discounts from the Discount Variable Loan Rate.  Discounts are not available in conjunction with any other interest rate discount or special offer. All fixed rates are fixed for the period stated and revert to the variable rate applying at expiration of the fixed term. To approved applicants only. Conditions, criteria and fees apply.

Loan to Value Ratio (LVR) is the loan amount divided by the value of your security property (determined by Heritage Bank at assessment), multiplied by 100. Owner Occupied loans have a maximum LVR of 95%, Investment loans have a maximum LVR of 80% and Living Equity has a maximum LVR of 80%. Heritage is not accepting any new investment applications until further notice.

This advice has been prepared without taking into account your objectives, financial situation or needs. Because of this you should, before acting on this information, consider its appropriateness having regard to your objectives, financial situation or needs.

Generate a personalised Key Fact Sheet based on your loan amount, term and repayments. This tool is provided to help you compare home loans from Heritage with other financial institutions.