Refinance your home loan with Heritage

Re-financing your home loan is easier than you may think and it’s well worth it if it means saving money. The first step is to review your home loan. Reviewing your home loan not only reminds you of what you signed up for – such as fees, charges and repayments ­– but it also gives you a chance to compare where your loan sits in the current market. Home lending is a changing and competitive market so it’s important you know what lenders are offering to ensure you are getting the best deal possible for your situation.

 

Calculate
The O'Connell Family are saving
$375 a month
in the first year

Switch your home loan from one of the big four banks to Heritage.

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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 .

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The Harris family from Applethorpe are saving $135 a week with their Heritage Bank home loan

Switch your home loan from one of the big four banks to Heritage.

Find out how much you could save

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

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Saving calculated as at 11 March 2015 on first 12 months after switching a mortgage from a big four bank rate to Heritage's 1 year Fixed Rate Home Loan. Conditions, criteria and fees apply.

Saving calculated as at 11 March 2015 on first 12 months after switching a mortgage from a big four bank rate to Heritage's 3 year Fixed Rate Home Loan. 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.

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.