Buying your first home is exciting and one of the biggest financial decisions you’ll ever make. At Heritage, we're passionate about helping people through the journey of purchasing their first home. We understand there are a lot of areas you may need help with to ensure you get the loan and home that are right for you.

To ensure the road to buying your first home is a happy and confident one, it really does pay to make sure you have the financial side of things squared away. This means not just a fantastic home loan rate, but also advice from people who are passionate about helping you through this journey.

Click here to find out the top 4 things you’ll need before buying your first home. And don’t forget to look into your eligibility for the Government's First Home Owner Grant which has recently increased in Queensland. If you are eligible, this grant, plus a great home loan from Heritage, might help you get into your new home sooner.

If you're struggling to save your home deposit, think about asking your family for help. Heritage has recently introduced a Family Guarantee Loan which can help you buy your first home sooner. Plus, the Heritage Family Guarantee loan allows eligible first home buyers to access up to an additional $50,000 cash out for home improvements. So you can renovate your first home and turn it into your dream home. Click here to learn more about how a family guarantee works and whether you are eligible.

How we can help you get more out of your first home

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.

Offset Accounts

An offset account operates like a savings account but instead of paying interest, it reduces the amount of interest you pay on your home loan. It could save you thousands of dollars over the life of your loan.

Home & Contents Insurance

Ensure you have your house and its contents insured. This type of insurance covers accidental loss or damage to your building and/or the contents inside.

Savings Accounts

With our range of savings accounts, you can get off on the right foot to save for your deposit.

Calculate your next move.

Home Loan Calculator

Be confident when buying your first home with our home loan calculator.  It estimates the cost of purchase, including items such as stamp duty, insurance, and government grants.


3 things that might help you buy your first home sooner!

With interest rates at some of the lowest levels in history, you might be keen to take that step into the property market. But getting together a big enough deposit for a home loan can be challenging. Here are three options to consider that might just help you reach that home ownership goal sooner.


Buying property off the plan

The boom in approved units, townhouses and apartments across the country could be seen as a good thing for Aussie home buyers, who may benefit from increased affordability and the option to purchase off the plan.


How to Become a Savvy Saver

Being a savvy saver can reduce your stress in many ways, from eliminating the risk of having bad credit to giving you the peace of mind of knowing you are prepared for a rainy day.


What is a mortgage offset account?

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

* 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.

The outcome of the Home Loan Chooser Tool is a guide only and is based on the small amount of information you have provided us. For a full financial assessment and home loan recommendation please call 13 14 22 or contact your nearest branch.