Heritage Bank

Heritage is Australia's largest member-owned bank. 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.
What's the difference between a bank and a member-owned bank? We're independent - owned by our members, not shareholders.
So instead of pursuing massive profits, our focus is on putting People first.

Heritage Bank

Heritage is Australia's largest member-owned bank. 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.
What's the difference between a bank and a member-owned bank? We're independent - owned by our members, not shareholders.
So instead of pursuing massive profits, our focus is on putting People first.

Bridging Loan

Variable
Rate 5.49
Comparison
Rate 5.57

Discount Variable

Variable
Rate 4.14
Comparison
Rate 4.16

Discount Variable LVR <=80%

Variable
Rate 3.07
Comparison
Rate 3.09

Discount Variable LVR >80%, <=90%

Variable
Rate 3.17
Comparison
Rate 3.19

Discount Variable LVR >90%, <=95%

Variable
Rate 3.27
Comparison
Rate 3.29

Fixed Loan

Variable
Rate
Comparison
Rate

Home Advantage Living Equity $700,000 or more

Variable
Rate 4.50
Comparison
Rate

Home Advantage Package Fixed

Variable
Rate
Comparison
Rate

Home Advantage Variable $250,000 to $699,999

Variable
Rate 3.22
Comparison
Rate 3.59

Home Advantage Variable $700,000 or more LVR <=80%

Variable
Rate 3.17
Comparison
Rate 3.54

Investment Discount Variable

Variable
Rate 4.69
Comparison
Rate 4.70

Investment Discount Variable LVR <=80%

Variable
Rate 3.37
Comparison
Rate 3.39

Investment Discount Variable LVR >80%, <=90%

Variable
Rate 3.47
Comparison
Rate 3.49

Investment Fixed Loan

Variable
Rate
Comparison
Rate

Investment Fixed Loan (Interest Only)

Variable
Rate
Comparison
Rate

Investment Standard Variable

Variable
Rate 5.24
Comparison
Rate 5.34

Living Equity

Variable
Rate 5.06
Comparison
Rate

Standard Variable

Variable
Rate 4.69
Comparison
Rate 4.80

Car Loan

1st year Fixed
Rate 6.99
Comparison
Rate. 6.72

Standard Personal Loan - Secured

1st year Fixed
Rate 10.99
Comparison
Rate. 11.62

Standard Personal Loan - Unsecured

1st year Fixed
Rate 10.99
Comparison
Rate. 11.62

Heritage Visa Business Secured

Purchase
Rate 10.40
Annual
Fee $45.00

Heritage Visa Business Unsecured

Purchase
Rate 12.70
Annual
Fee $45.00

Heritage Visa Classic

Purchase
Rate 17.49
Annual
Fee $55.00

Heritage Visa Gold Low Rate

Purchase
Rate 11.30
Annual
Fee

Heritage Visa Platinum

Purchase
Rate 17.49
Annual
Fee $125.00

Business Cheque

Max Interest rate($10,000) 1.00 Base Interest rate($10,000) 0.01

Christmas Club

Max Interest rate($10,000) 1.00 Base Interest rate($10,000) 1.00

Club Cheque

Max Interest rate($10,000) 1.00 Base Interest rate($10,000) 0.01

Farm Management Deposit

Max Interest rate($10,000) 1000 Base Interest rate($10,000) 1.25

Mortgage Crusher

Max Interest rate($10,000) 1.00 Base Interest rate($10,000)

Online Saver

Max Interest rate($10,000) 1.00 Base Interest rate($10,000) 1.10

Pension Plus

Max Interest rate($10,000) 1.00 Base Interest rate($10,000) 1.55

Simply Access

Max Interest rate($10,000) 1.00 Base Interest rate($10,000) 0.01

Target Bonus

Max Interest rate($10,000) 1.00 Base Interest rate($10,000) 0.05

Farm Management - Term Investment

90 Days

1 Yr Paid
Annually 2.20

Term Deposit

90 Days

1.60
1 Yr Paid
Annually 1.60