Home Loans

Find the Heritage home loan that's right for you. Choose from one of our Fixed or Variable Rate loans, all with competitive interest rates. Looking for even more value from your home loan? Why not check out our Home Advantage Variable loan that not only waivers the application fee but also monthly and redraw fees; and provides discounts on some insurance products.

Find the right home loan for you

Discount Variable

3.79 %pa
3.84 %pa

Our cheapest, simplest variable rate loan, is still packed with features.

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Bridging Loan

5.04 %pa
5.12 %pa

Buy your dream home before you've sold your existing property with no repayments until you move!

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Offset Accounts

Pay off your home sooner and save money at the same time.

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Reverse Mortgage

If you are 50 or over, you can turn your home into a cash asset.

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Package your home loan and save, with the Home Advantage Package

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The Harris family from Applethorpe are saving $135 a week with their Heritage Bank home loan

Switch your home loan from one of the big four banks to Heritage.

Find out how much you could save

  Get our FREE eBook

Get our FREE eBook

The Heritage Bank Open House Heroes reveal their secrets to buying and selling your next home. Get our FREE eBook with 15 pages of advice.

  Get a FREE RPData Property Report

Get a FREE RPData Property Report

Want to know how much your dream first home last sold for? We can send you a free RP Data property report, valued at $50. It includes a recent sales history, suburb data and much more.

Saving calculated as at 11 March 2015 on first 12 months after switching a mortgage from a big four bank rate to Heritage's 3 year Fixed Rate Home Loan. Conditions, criteria and fees apply.


Rates for new owner occupied Discount Variable loans. Special offer rate includes no application fee and includes a discount from the discount variable rate. Discounts shown are for new loans and do not apply to switches or internal refinances. To approved applicants only. Conditions, criteria and fees apply.

* Based on a $150,000 loan over 25 years. 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 and discounts are correct as stated and subject to change without notice. Discounts shown are for new loans and do not apply to switches or internal refinances. 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.

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.

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.