3 Year Fixed Rate Home Loans from Heritage

Interest rates in Australia have never been lower.

Three year fixed loan terms are popular with those who want to know exactly how much they'll need to repay off their home loan each month for the next little while, without the fear of missing out on the option to change to a different loan in three years time. You'll usually end up paying a little more to get 3 years of certainty (compared to a one or two year fixed rate), but three year fixed loans are one of Heritage's most popular mortgage products.

Our fixed home loan rates

Owner-Occupied

Interest Rate

Comparison Rate *

1 Year Fixed3.89%5.03%
2 Years Fixed3.99%4.95%
3 Years Fixed4.09%4.89%
5 Years Fixed4.49%4.92%
Home Advantage Fixed  
1 Year Fixed3.89%4.33%
2 Years Fixed3.99%4.34%
3 Years Fixed4.09%4.37%
5 Years Fixed4.49%4.54%

Investment

Interest Rate

Comparison Rate *

1 Year Fixed4.19%5.42%
2 Years Fixed4.19%5.31%
3 Years Fixed4.29%5.23%
5 Years Fixed4.69%5.23%
Home Advantage Fixed  
1 Year Fixed4.19%4.85%
2 Years Fixed4.19%4.82%
3 Years Fixed4.29%4.81%
5 Years Fixed4.69%4.94%
Rates effective from 14/03/2017

Fixed Rate Features

Fixed RateFixed Rate with Home Advantage Package
Fixed Rate1 Year Fixed2 Years Fixed3 Years Fixed5 Years FixedFixed Rate with Home Advantage Package1 Year Fixed2 Years Fixed3 Years Fixed5 Years Fixed
FeaturesEnquireEnquire
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Package Available
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Minimum Loan
$20,000$20,000$20,000$20,000$20,000$150,000$150,000$150,000$150,000$150,000
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Minimum Loan Top Up
$10,000$10,000$10,000$10,000$10,000$10,000$10,000$10,000$10,000$10,000
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Maximum Loan Term
30 Years30 Years30 Years30 Years30 Years30 Years30 Years30 Years30 Years30 Years
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Minimum Loan Term
1 Year1 Year1 Year1 Year1 Year1 Year1 Year1 Year1 Year1 Year
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Additional Repayments
Yes (unlimited),
Yes (unlimited)Yes (unlimited)Yes (unlimited)Yes (unlimited)Yes (unlimited),
Yes (unlimited)Yes (unlimited)Yes (unlimited)Yes (unlimited)
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Redraw Facility
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Switch Available
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Split Loan
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Interest Only Option
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Maximum Interest Only Term
5 Years5 Years5 Years5 Years5 Years5 Years5 Years5 Years5 Years5 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, 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, Branch
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Offset Account
Yes (partial offset only)Yes (partial offset only)Yes (partial offset only)Yes (partial offset only)Yes (partial offset only)Yes (partial offset only)Yes (partial offset only)Yes (partial offset only)
FeesEnquireEnquire
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Rate Guarantee
Yes (fee 0.12%),
Yes (fee 0.12%)Yes (fee 0.12%)Yes (fee 0.12%)Yes (fee 0.12%)Yes (fee 0.12%),
Yes (fee 0.12%)Yes (fee 0.12%)Yes (fee 0.12%)Yes (fee 0.12%)
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Break costs/charges
Break fee may apply,
Break fee may applyBreak fee may applyBreak fee may applyBreak fee may applyBreak fee may apply,
Break fee may applyBreak fee may applyBreak fee may applyBreak fee may apply
Upfront Application Fee$600$600$600$600$600$0$0$0$0$0
Monthly Loan Service Fee$8$8$8$8$8$0$0$0$0$0
Cost Per Redraw$20$20$20$20$20$0$0$0$0$0

Refinance Calculator

Calculate

You could save up to

over the life of the loan

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 .

Contact Us

Why choose a Fixed Rate Home Loan?

Certainty

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:


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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.

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

^ 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 3.79% p.a. (3.81% p.a. comparison rate), the estimated total amount payable including fees is $232,740. 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.