Insurance

Heritage puts People first with the priceless peace of mind you get from quality insurance policies. From home building and contents insurance, to landlord, vehicles, travel, income protection and life insurance, we have you covered.

Home Building & Contents

Protect your biggest asset with the choice of Prestige or Classic home insurance.

Landlord

Protect your valuable investment with Landlord Insurance.

Motor Vehicle Insurance

Choose from Comprehensive, Third Party Property, Fire, Theft, or Third Party Property Damage.

Caravan and Trailer

Protecting your caravan or trailer is just as important as insuring your vehicle.

Travel

Travel with peace of mind with Heritage Travel Insurance.

Platinum Insurance

Complimentary insurance for Heritage Platinum credit card customers.

Consumer Credit

Designed to help with you loan repayments in the event an unforeseen event occurs. 

Life Insurance

It's impossible to know what's around the corner but Heritage can make sure you're prepared.

+ Minimum premiums - Minimum premiums may apply. Any discounts/entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements. Any online discounts offered are applied to our standard rates (excluding optional covers) [and are for the first years premium only (unless stated otherwise)].

* Home loan comparison rate based on a $150,000 loan over 25 years.  Fixed loan comparison rate applies only for loans with an LVR of 80% or less and a loan amount of $150,000 to $249,999.  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 are correct as stated and subject to change without notice. Rates shown are for new loans and do not apply to switches or internal refinances.

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. Discount Variable LVR rates are for new lending and include discounts from the Discount Variable Loan Rate.  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.

Loan to Value Ratio (LVR) is the loan amount divided by the value of your security property (determined by Heritage Bank at assessment), multiplied by 100. Owner Occupied loans have a maximum LVR of 95%, Investment loans have a maximum LVR of 80% and Living Equity has a maximum LVR of 80%. Heritage is not accepting any new investment applications until further notice.

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.