Fixed Rate Home Loans

Interest rates in Australia have never been lower.

If you want to lock in now and know exactly how much your loan repayments will be over the next 1, 2, 3 or 5 years, a fixed rate loan from Heritage is your best bet. Our fixed rate loans are packed with features a lot of other banks don't offer, like unlimited additional repayments and redraws, and if you choose Heritage for your loan, you'll get a dedicated lending specialist to help you through the application process, and beyond - that's the difference a People first bank makes.

Our fixed home loan rates


Interest Rate

Comparison Rate *

1 Year Fixed4.09%5.02%
2 Years Fixed3.84%4.89%
3 Years Fixed3.99%4.83%
5 Years Fixed4.49%4.88%
Home Advantage Fixed  
1 Year Fixed4.09%4.25%
2 Years Fixed3.84%4.22%
3 Years Fixed3.99%4.26%
5 Years Fixed4.49%4.48%


Interest Rate

Comparison Rate *

1 Year Fixed4.39%5.27%
2 Years Fixed3.99%5.11%
3 Years Fixed4.09%5.03%
5 Years Fixed4.59%5.06%
Home Advantage Fixed  
1 Year Fixed4.39%4.73%
2 Years Fixed3.99%4.66%
3 Years Fixed4.09%4.65%
5 Years Fixed4.59%4.81%
Rates effective from 01/09/2016


Application Fee


Monthly Fee


Reborrow fees
(Reborrowing administration fee on loan accounts where allowed)


Why choose a Fixed Rate Home Loan?


Lock in your loan for a set period of time so you know exactly what your repayments will be - no surprises.

Take advantage of record low rates

Interest rates in Australia have never been lower than they are right now. Lock in now and protect yourself from furture rate rises.

How are Heritage Bank home loans rated by Mozo community?

Overall Mozo community rating: out of 10

Overall customer rating:


Read all reviews

^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 September and 31 October 2016 and disbursed by 24 December 2016. Offer not valid for further advances, living equity or line of credit loans, existing customers switching loans, internal refinances, or borrowing for alterations and additions. 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.

All fixed rates are fixed for the period stated and revert to the Standard Variable rate applying at expiration of the fixed term.

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.