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Hello from Heritage

Welcome to Heritage, your local customer-owned bank. What's the difference between a bank and a customer-owned bank? We're independent - owned by our customers, not shareholders. So instead of pursuing massive profits, our focus is on putting People first.

We've got all the usual things you'd expect from a big financial institution, like online banking and lots of conveniently located branches, but because our customers are the most important thing to us, we do everything we can to help them save money (and make money!).

With a history going back to 1875, we've always been in the business of helping Australians realise their financial dreams and enrich their lives.


*Limit of 5 reports per person.

* 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.