What would you switch for cash?

We hit the streets of Brisbane to find out what people would switch for cash and found Australians would change all sorts of things if comedian Sam Mac dangled a crisp bank note in front of them. Watch the video and bask in the weirdness.

Would you switch your home loan if it could save you $3,000 a year?

Research from QUT revealed Australians are losing more than $11.6 billion a year by not acting on their intentions to switch banking, insurance, grocery and utilities providers. In fact, an average Australian family with a $595,000 standard variable home loan from one of the big four banks would be around $3,000 a year better off if they switched their mortgage to Heritage Bank.

Use our handy refinance calculator and find out how much better off you could be if you switched to Heritage.

Refinance Calculator


You could save up to

over the life of the loan

Savings based on the .

Apply Now

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

Talk to Heritage about switching your home loan today

Ready to start saving? Call us now on 13 14 22, visit your local branch or talk to your mortgage broker and we’ll get your application rolling. It’s much easier than you think.

* 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.