Insurance and travel products


As we travel along life's highway, it's difficult to tell what's around the next corner. That's why it's important to take some simple steps to cover you and your family. Heritage offers a range of insurance products to give you peace of mind.


Heritage puts People first when you are planning your overseas travel. Whether you're heading to Iceland or Swaziland, Heritage can arrange finance and foreign currency for almost anywhere in the world, so you're prepared for your next adventure!

Planning for the future


Make the most of your retirement and live the lifestyle you've been planning for.

Financial Planning

The right advice can make a real difference. Make smart choices for all of life's journeys.

Wealth Protection

In the event of an accident, illness or death is your family financially protected?

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Account access

Heritage provides convenient access to your accounts via internet, phone and mobile.


View our range of brochures for all the latest product information you need.


Access a range of forms to help you with your banking at Heritage.


Use our range of calculators to estimate your loan repayments and much more.

Great discounts and rewards just for being a Heritage member.

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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.