Compare our home loans

This handy reference table lets you scroll through the benefits and features of all the home loans on offer from Heritage Bank. As a general guide, fixed rate loans suit people who want to know exactly how much they'll pay each month, discount variable rates are great for those who want the lowest price and standard variable loans offer more features, like 100% offset accounts and greater flexibility on repayment options.

Click on the [+] icon to reveal additional products, and click on the [?] icon for more information.

Discount VariableStandard VariableFixed RateLiving EquityBridging Loan
Discount VariableDiscount VariableDiscount Variable - Special RateStandard VariableStandard Variable$150,000 to $249,999$250,000 to $699,999$700,000 or moreFixed Rate1 Year Fixed2 Years Fixed3 Years Fixed5 Years Fixed1 Year Fixed2 Years Fixed3 Years Fixed5 Years FixedLiving EquityLiving Equity$150,000 to $249,999$250,000 to $699,999$700,000 or moreBridging Loan
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Interest Rate
From 3.79%4.49%3.79%From 3.79%5.04%Home Advantage Variable3.88%3.84%3.79%From 3.84%4.09%3.84%3.99%4.49%Home Advantage Fixed4.09%3.84%3.99%4.49%From 4.05%5.11%Home Advantage Living Equity4.15%4.10%4.05%5.04%
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Comparison Rate *
From 3.84%4.54%3.84%From 4.16%5.15%Home Advantage Variable4.25%4.21%4.16%From 4.24%5.06%4.92%4.87%4.92%Home Advantage Fixed4.27%4.24%4.28%4.50%n/an/aHome Advantage Living Equityn/an/an/a5.11%
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Interest Rate
Investment
From 4.09%4.74%4.09%From 4.24%5.29%Home Advantage Variable4.39%4.29%4.24%From 3.99%4.39%3.99%4.09%4.59%Home Advantage Fixed4.39%3.99%4.09%4.59%4.41%Home Advantage Living Equity4.56%4.46%4.41%
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Comparison Rate *
Investment
From 4.14%4.79%4.14%From 4.60%5.40%Home Advantage Variable4.75%4.65%4.60%From 4.67%5.31%5.15%5.07%5.10%Home Advantage Fixed4.75%4.68%4.67%4.83%n/aHome Advantage Living Equityn/an/an/a
FeaturesApply nowFind out moreApply nowFind out moreApply nowFind out moreApply nowFind out moreApply nowFind out more
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Package Available
Tick,
TickHome Advantage VariableTickTickTickTick,
TickTickTickTickHome Advantage FixedTickTickTickTickTick,
TickHome Advantage Living EquityTickTickTick
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Minimum Loan
$150,000$150,000$150,000From $20,000$20,000Home Advantage Variable$150,000$250,000$700,000From $20,000$20,000$20,000$20,000$20,000Home Advantage Fixed$150,000$150,000$150,000$150,000From $20,000$20,000Home Advantage Living Equity$150,000$250,000$700,000$20,000
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Minimum Loan Top Up
$10,000$10,000$10,000$10,000$10,000Home Advantage Variable$10,000$10,000$10,000$10,000$10,000$10,000$10,000$10,000Home Advantage Fixed$10,000$10,000$10,000$10,000Home Advantage Living Equity
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Maximum Loan Term
30 Years30 Years30 Years30 Years30 YearsHome Advantage Variable30 Years30 Years30 Years30 Years30 Years30 Years30 Years30 YearsHome Advantage Fixed30 Years30 Years30 Years30 Years30 Years30 YearsHome Advantage Living Equity30 Years30 Years30 Years1 Year
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Minimum Loan Term
1 Year1 Year1 Year1 Year1 YearHome Advantage Variable1 Year1 Year1 Year1 Year1 Year1 Year1 Year1 YearHome Advantage Fixed1 Year1 Year1 Year1 Year1 Year1 YearHome Advantage Living Equity1 Year1 Year1 Year6 Months
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Additional Repayments
Yes (unlimited),
Yes (unlimited)Yes (unlimited)Yes (unlimited),
Yes (unlimited)Home Advantage VariableYes (unlimited)Yes (unlimited)Yes (unlimited)Yes (unlimited),
Yes (unlimited)Yes (unlimited)Yes (unlimited)Yes (unlimited)Home Advantage FixedYes (unlimited)Yes (unlimited)Yes (unlimited)Yes (unlimited)Yes (unlimited),
Yes (unlimited)Home Advantage Living EquityYes (unlimited)Yes (unlimited)Yes (unlimited)Yes (unlimited)
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Redraw Facility
Tick,
TickTickTick,
TickHome Advantage VariableTickTickTickTick,
TickTickTickTickHome Advantage FixedTickTickTickTickTick,
TickHome Advantage Living EquityTickTickTick
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Switch Available
Tick,
TickHome Advantage VariableTickTickTickTick,
TickTickTickTickHome Advantage FixedTickTickTickTickHome Advantage Living Equity
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Split Loan
Tick,
TickTickTick,
TickHome Advantage VariableTickTickTickTick,
TickTickTickTickHome Advantage FixedTickTickTickTickTick,
TickHome Advantage Living EquityTickTickTickTick
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Interest Only Option
Tick,
TickTickTick,
TickHome Advantage VariableTickTickTickTick,
TickTickTickTickHome Advantage FixedTickTickTickTickTick,
TickHome Advantage Living EquityTickTickTickTick
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Maximum Interest Only Term
5 Years5 Years5 Years5 Years5 YearsHome Advantage Variable5 Years5 Years5 Years5 Years5 Years5 Years5 Years5 YearsHome Advantage Fixed5 Years5 Years5 Years5 Years10 Years10 YearsHome Advantage Living Equity10 Years10 Years10 Years
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Access Methods
ATM, EFTPOS, Debit/Credit Card, BPAY, Internet, Telephone, Branch,
ATM, EFTPOS, Debit/Credit Card, BPAY, Internet, Telephone, BranchATM, EFTPOS, Debit/Credit Card, BPAY, Internet, Telephone, BranchATM, EFTPOS, Debit/Credit Card, BPAY, Internet, Telephone, Branch,
ATM, EFTPOS, Debit/Credit Card, BPAY, Internet, Telephone, BranchHome Advantage VariableATM, EFTPOS, Debit/Credit Card, BPAY, Internet, Telephone, BranchATM, EFTPOS, Debit/Credit Card, BPAY, Internet, Telephone, BranchATM, EFTPOS, Debit/Credit Card, BPAY, Internet, Telephone, BranchATM, EFTPOS, Debit/Credit Card, BPAY, Internet, Telephone, Branch,
ATM, EFTPOS, Debit/Credit Card, BPAY, Internet, Telephone, BranchATM, EFTPOS, Debit/Credit Card, BPAY, Internet, Telephone, BranchATM, EFTPOS, Debit/Credit Card, BPAY, Internet, Telephone, BranchATM, EFTPOS, Debit/Credit Card, BPAY, Internet, Telephone, BranchHome Advantage FixedATM, EFTPOS, Debit/Credit Card, BPAY, Internet, Telephone, BranchATM, EFTPOS, Debit/Credit Card, BPAY, Internet, Telephone, BranchATM, EFTPOS, Debit/Credit Card, BPAY, Internet, Telephone, BranchATM, EFTPOS, Debit/Credit Card, BPAY, Internet, Telephone, BranchATM, EFTPOS, Debit/Credit Card, BPAY, Internet, Telephone, Branch,
ATM, EFTPOS, Debit/Credit Card, BPAY, Internet, Telephone, BranchHome Advantage Living EquityATM, EFTPOS, Debit/Credit Card, BPAY, Internet, Telephone, BranchATM, EFTPOS, Debit/Credit Card, BPAY, Internet, Telephone, BranchATM, EFTPOS, Debit/Credit Card, BPAY, Internet, Telephone, BranchATM, EFTPOS, Debit/Credit Card, BPAY, Internet, Telephone, Branch
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Offset Account
TickHome Advantage VariableTickTickTickYes (partial offset only)Yes (partial offset only)Yes (partial offset only)Yes (partial offset only)Home Advantage FixedYes (partial offset only)Yes (partial offset only)Yes (partial offset only)Yes (partial offset only)Home Advantage Living Equity
FeesApply nowFind out moreApply nowFind out moreApply nowFind out moreApply nowFind out moreApply nowFind out more
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Rate Guarantee
Home Advantage VariableYes (fee 0.12%),
Yes (fee 0.12%)Yes (fee 0.12%)Yes (fee 0.12%)Yes (fee 0.12%)Home Advantage FixedYes (fee 0.12%)Yes (fee 0.12%)Yes (fee 0.12%)Yes (fee 0.12%)Home Advantage Living Equity
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Break costs/charges
Home Advantage VariableBreak fee may apply,
Break fee may applyBreak fee may applyBreak fee may applyBreak fee may applyHome Advantage FixedBreak fee may applyBreak fee may applyBreak fee may applyBreak fee may applyHome Advantage Living Equity
Upfront Application Fee$600$600$600 $600$600Home Advantage Variable$0$0$0 $600$600$600$600$600Home Advantage Fixed$0$0$0$0 $600$600Home Advantage Living Equity$0$0$0$900
Monthly Loan Service Fee$0$0$0 $5$5Home Advantage Variable$0$0$0 $5$5$5$5$5Home Advantage Fixed$0$0$0$0 $8$8Home Advantage Living Equity$0$0$0$0
Cost Per Redraw$20$20$20 $20$20Home Advantage Variable$0$0$0 $20$20$20$20$20Home Advantage Fixed$0$0$0$0$0$0Home Advantage Living Equity$0$0$0

Refinance Calculator

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You could save up to

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Savings based on the .

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Whoa there, it seems like you've already got a pretty good deal going. If the details you've entered are correct, our calculator says that over the life of your loan you'd currently be better off staying where you are. If you're shopping around though, don't despair, the calculator is no match for advice from a real person.

As a People first bank, our rates are almost always lower than the big four. In fact, a recent University of New England study found Heritage had, on average, the lowest standard variable rate of any financial institution in the country over the last 15 years.

If you want to double check, give us a call on 13 14 22 and we'll almost certainly be able to find other ways for you to save money and time on your home loan.

Calculation based on the .

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* 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.

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.