Buying your next home

Even though you’ve done it before, buying your next home can be a stressful time. Deciding on what to do with your existing property, finding out how much you can afford and orchestrating the perfect transaction can be hard to imagine. At Heritage, we’re here to help our customers through a smooth purchase (and sale) process, all the while offering some of the best interest rates in the country.

These popular loans might suit you

Discount Variable from

3.79 %pa
3.84 %pa

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

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Offset Accounts

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

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Get our FREE eBook

For more information about buying your next home download our FREE Little eBook of Home Buying Tips now. You’ll find lots of great information such as how to prepare for your home loan application, how to get the most out of the real estate agent, how to negotiate and lots of other tips and tricks you’ll find useful to have on hand.

The O'Connell family from Lota are saving $375 a month off their home loan in their first year.

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

Find out how much you could save

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

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Saving calculated as at 11 March 2015 on first 12 months after switching a mortgage from a big four bank rate to Heritage's 1 year Fixed Rate Home Loan. 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.