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 which has no application, monthly, or redraw fees; and provides discounts on some insurance products.


  Popular home loans

Add-on loan features

Family Guarantee

Heritage's Family Guarantee loan is a way for immediate family members, like parents, to help you purchase a home without them actually providing the cash for a deposit. Your family members can use the equity in their own home ot provide additional security for part of your loan amount, reducing your loan to value ratio (LVR).

Offset account

An offset account operates like a savings account but it is linked to your loan account. Instead of being paid interest on your offset account, the amount of interest you pay on your loan is reduced. Using an offset account has the potential to save you thousands of dollars in interest of the life of your loan.

  More home loans

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!

Find out more

Offset Accounts

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

Find out more

Reverse Mortgage

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

Find out more

  Help & Guidance


Using equity to purchase an investment property

You may have equity in the current property you own that could be used to take out another home loan.


How to prepare your house for a valuation

The preparation you do to your property might have a bigger impact on a valuation figure than you think. Here's 4 things you can do to help improve the valuation outcome for your property.


What is a mortgage offset account?

Front and centre of saving both money and years off your home loan is having an offset account.


What is a bridging loan?

Finding a new home to buy can be a really fun and exciting process, but what happens if you’ve found your dream home and are yet to sell your existing one? You may not have put your existing home on the market yet or you may be waiting for the right buyer – either way, one of the best options for you could be a Bridging Loan.

  I want to...

* 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.

^ To approved applicants only. No application fee offer valid for new standard variable, discount variable and fixed rate home loans and no annual fee for first year of Home Advantage package loans, applied for between 1 March and 30 April 2017, and disbursed by 31 October 2017. Application fee for standard variable, discount variable, and fixed rate home loans normally $600. First year annual fee for Home Advantage Package normally $350. Offer not valid for further advances, living equity or line of credit loans, bridging loans, business loans, existing customers switching loans, internal refinances, or borrowing for alterations and additions. Conditions, criteria and fees apply.
Home loan repayment terms range from 1 to 30 years. Comparison rate representative example is based on: a secured loan of $150,000 borrowed for 25 years with the minimum interest rate of 3.89% p.a. (3.91% p.a. comparison rate), the estimated total amount payable including fees is $235,202. WARNING: These comparison rates apply only to the examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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.