Heritage Bank home loan interest rates

As a customer-owned bank, we have no shareholders asking for dividends, so we can afford to charge less for our home loans.

That's why our rates are generally much lower than the big four. Check out our home loan rates below or see our other rates for Personal Loans, Credit Cards, Savings Accounts, and Transaction Accounts.

Need an interest rates printout? Just select the Print option in your browser, or click here to print.

Variable loan rates

Owner-Occupied

Discount

Interest Rate

Comparison Rate *

Discount Variable4.59%4.64%
Discount Variable - Special Rate0.60%3.99%4.04%
Standard Variable5.14%5.29%
Home Advantage Variable   
$150,000 to $249,9991.05%4.09%4.46%
$250,000 to $699,9991.10%4.04%4.41%
$700,000 or more1.15%3.99%4.36%

Investment

Discount

Interest Rate

Comparison Rate *

Discount Variable5.14%5.20%
Discount Variable - Special Rate0.65%4.49%4.54%
Standard Variable5.69%5.83%
Home Advantage Variable   
$150,000 to $249,9990.95%4.74%5.10%
$250,000 to $699,9991.00%4.69%5.05%
$700,000 or more1.05%4.64%5.00%
Rates effective from 12/06/2017

Fixed loan rates

Owner-Occupied

Interest Rate

Comparison Rate *

1 Year Fixed3.89%5.16%
2 Years Fixed3.99%5.07%
3 Years Fixed4.09%5.00%
5 Years Fixed4.49%5.01%
Home Advantage Fixed  
1 Year Fixed3.89%4.44%
2 Years Fixed3.99%4.44%
3 Years Fixed4.09%4.46%
5 Years Fixed4.49%4.62%

Investment

Interest Rate

Comparison Rate *

1 Year Fixed4.19%5.69%
2 Years Fixed4.19%5.55%
3 Years Fixed4.29%5.45%
5 Years Fixed4.69%5.41%
Home Advantage Fixed  
1 Year Fixed4.19%5.05%
2 Years Fixed4.19%5.00%
3 Years Fixed4.29%4.98%
5 Years Fixed4.69%5.08%
Rates effective from 12/06/2017

Living Equity rates

Owner-Occupied

Discount

Interest Rate

Comparison Rate *

Living Equity5.51%n/a
Home Advantage Living Equity   
$150,000 to $249,9990.96%4.55%n/a
$250,000 to $699,9991.01%4.50%n/a
$700,000 or more1.06%4.45%n/a

Investment

Discount

Interest Rate

Comparison Rate *

Living Equity5.51%n/a
Home Advantage Living Equity   
$150,000 to $249,9990.55%4.96%n/a
$250,000 to $699,9990.65%4.86%n/a
$700,000 or more0.70%4.81%n/a
Rates effective from 12/06/2017

Bridging loan rates

Interest Rate

Comparison Rate *

Bridging Loan5.14%5.22%
Rates effective from 12/06/2017

Package your home loan and save, with the Home Advantage Package

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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.

*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.

*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.

*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.

* 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.

*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 of 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.

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 loan to value ratio (LVR) is the ratio of the loan amount against the value of the secured property. Maximum LVR for the Discount Variable - Special Offer Rate is 90% for owner occupied loans. Living Equity has a maximum LVR of 85%. The maximum LVR for all other owner occupied loans is 95%. The maximum LVR for investment loans is 90%. Conditions apply.