Heritage Bank Home Loans Rates & Review

Heritage Bank Home Loans as of October 2024

Loan purpose

Loan amount

Compare

Lender	Home Loan	Interest Rate	Comparison Rate*	Monthly Repayment	Repayment type	Rate Type	Ongoing Fees	Upfront Fees	Max LVR	Link	Compare
Heritage Bank	Heritage Bank Fixed Loan (3 years)	5.49% p.a.	7.91% p.a.	$2,269	Principal & Interest	Fixed	$8	$810	95%	More details	Compare
Heritage Bank	Heritage Bank Fixed Loan (5 years)	5.49% p.a.	7.42% p.a.	$2,269	Principal & Interest	Fixed	$8	$810	95%	More details	Compare
Heritage Bank	Heritage Bank Home Advantage Package Fixed (5 years)	5.49% p.a.	6.26% p.a.	$2,269	Principal & Interest	Fixed	$350	$210	95%	More details	Compare
Heritage Bank	Heritage Bank Home Advantage Package Fixed (3 years)	5.49% p.a.	6.37% p.a.	$2,269	Principal & Interest	Fixed	$350	$210	95%	More details	Compare
Heritage Bank	Heritage Bank Investment Home Advantage Package Fixed (3 years)	5.69% p.a.	6.60% p.a.	$2,319	Principal & Interest	Fixed	$350	$210	90%	More details	Compare
Heritage Bank	Heritage Bank Fixed Loan Investment (3 years)	5.69% p.a.	8.33% p.a.	$2,319	Principal & Interest	Fixed	$8	$810	90%	More details	Compare
Heritage Bank	Heritage Bank Fixed Loan Investment (5 years)	5.69% p.a.	7.79% p.a.	$2,319	Principal & Interest	Fixed	$8	$810	90%	More details	Compare
Heritage Bank	Heritage Bank Investment Home Advantage Package Fixed (5 years)	5.69% p.a.	6.48% p.a.	$2,319	Principal & Interest	Fixed	$350	$210	90%	More details	Compare
Heritage Bank	Heritage Bank Home Advantage Package Fixed (2 years)	5.79% p.a.	6.49% p.a.	$2,344	Principal & Interest	Fixed	$350	$210	95%	More details	Compare
Heritage Bank	Heritage Bank Fixed Loan (2 years)	5.79% p.a.	8.26% p.a.	$2,344	Principal & Interest	Fixed	$8	$810	95%	More details	Compare
Heritage Bank	Heritage Bank Investment Home Advantage Package Fixed (Interest Only) (3 years)	5.89% p.a.	6.86% p.a.	$1,963	Interest-only	Fixed	$350	$210	90%	More details	Compare
Heritage Bank	Heritage Bank Fixed Loan (1 year)	5.89% p.a.	8.56% p.a.	$2,370	Principal & Interest	Fixed	$8	$810	95%	More details	Compare
Heritage Bank	Heritage Bank Investment Home Advantage Package Fixed (Interest Only) (5 years)	5.89% p.a.	6.72% p.a.	$1,963	Interest-only	Fixed	$350	$210	90%	More details	Compare
Heritage Bank	Heritage Bank Fixed Loan Investment (Interest Only) (3 years)	5.89% p.a.	8.42% p.a.	$1,963	Interest-only	Fixed	$8	$810	90%	More details	Compare
Heritage Bank	Heritage Bank Fixed Loan Investment (Interest Only) (5 years)	5.89% p.a.	7.92% p.a.	$1,963	Interest-only	Fixed	$8	$810	90%	More details	Compare
Heritage Bank	Heritage Bank Home Advantage Package Fixed (1 year)	5.89% p.a.	6.55% p.a.	$2,370	Principal & Interest	Fixed	$350	$210	95%	More details	Compare
Heritage Bank	Heritage Bank Fixed Loan Investment (2 years)	5.99% p.a.	8.72% p.a.	$2,396	Principal & Interest	Fixed	$8	$810	90%	More details	Compare
Heritage Bank	Heritage Bank Investment Home Advantage Package Fixed (2 years)	5.99% p.a.	6.73% p.a.	$2,396	Principal & Interest	Fixed	$350	$210	90%	More details	Compare
Heritage Bank	Heritage Bank Discount Variable $700,000+ LVR<=70%	5.99% p.a.	6.01% p.a.	$2,396	Principal & Interest	Variable	$0	$210	70%	More details	Compare
Heritage Bank	Heritage Bank Home Advantage Variable $700,000+ <=70%	6.09% p.a.	6.44% p.a.	$2,421	Principal & Interest	Variable	$350	$210	70%	More details	Compare
Heritage Bank	Heritage Bank Investment Home Advantage Package Fixed (1 year)	6.09% p.a.	6.79% p.a.	$2,421	Principal & Interest	Fixed	$350	$210	90%	More details	Compare
Heritage Bank	Heritage Bank Discount Variable $150,000+ LVR <=80%	6.09% p.a.	6.11% p.a.	$2,421	Principal & Interest	Variable	$0	$210	80%	More details	Compare
Heritage Bank	Heritage Bank Fixed Loan Investment (1 year)	6.09% p.a.	9.06% p.a.	$2,421	Principal & Interest	Fixed	$8	$810	90%	More details	Compare
Heritage Bank	Heritage Bank Discount Variable $700,000+ LVR >70%, to 80%	6.09% p.a.	6.11% p.a.	$2,421	Principal & Interest	Variable	$0	$210	80%	More details	Compare
Heritage Bank	Heritage Bank Home Advantage Variable $150,000 to $249,999 LVR <70%	6.14% p.a.	6.49% p.a.	$2,434	Principal & Interest	Variable	$350	$210	70%	More details	Compare
Heritage Bank	Heritage Bank Home Advantage Variable $250,000 to $699,999 LVR <70%	6.14% p.a.	6.49% p.a.	$2,434	Principal & Interest	Variable	$350	$210	70%	More details	Compare
Heritage Bank	Heritage Bank Home Advantage Variable $700,000 or more LVR >70 to 80%	6.19% p.a.	6.53% p.a.	$2,447	Principal & Interest	Variable	$350	$210	80%	More details	Compare
Heritage Bank	Heritage Bank Investment Home Advantage Package Fixed (Interest Only) (2 years)	6.19% p.a.	6.99% p.a.	$2,063	Interest-only	Fixed	$350	$210	90%	More details	Compare
Heritage Bank	Heritage Bank Fixed Loan Investment (Interest Only) (2 years)	6.19% p.a.	8.78% p.a.	$2,063	Interest-only	Fixed	$8	$810	90%	More details	Compare
Heritage Bank	Heritage Bank Home Advantage Variable $150,000 to $249,999 LVR >70 to 80%	6.24% p.a.	6.58% p.a.	$2,460	Principal & Interest	Variable	$350	$210	80%	More details	Compare
Heritage Bank	Heritage Bank Home Advantage Variable $250,000 to $699,999 >70% to 80%	6.24% p.a.	6.58% p.a.	$2,460	Principal & Interest	Variable	$350	$210	80%	More details	Compare
Heritage Bank	Heritage Bank Investment Discount Variable $700,000+ LVR <=70%	6.24% p.a.	6.26% p.a.	$2,460	Principal & Interest	Variable	$0	$210	70%	More details	Compare
Heritage Bank	Heritage Bank Investment Home Advantage Package Fixed (Interest Only) (1 year)	6.29% p.a.	7.05% p.a.	$2,097	Interest-only	Fixed	$350	$210	90%	More details	Compare
Heritage Bank	Heritage Bank Fixed Loan Investment (Interest Only) (1 year)	6.29% p.a.	9.10% p.a.	$2,097	Interest-only	Fixed	$8	$810	90%	More details	Compare
Heritage Bank	Heritage Bank Investment Home Advantage Variable $700,000+LVR <=70%	6.34% p.a.	6.68% p.a.	$2,486	Principal & Interest	Variable	$350	$210	70%	More details	Compare
Heritage Bank	Heritage Bank Investment Discount Variable $150,000+ LVR <=80%	6.34% p.a.	6.36% p.a.	$2,486	Principal & Interest	Variable	$0	$210	80%	More details	Compare
Heritage Bank	Heritage Bank Investment Discount Variable $700,000+ LVR >70%, to 80%	6.34% p.a.	6.36% p.a.	$2,486	Principal & Interest	Variable	$0	$210	80%	More details	Compare
Heritage Bank	Heritage Bank Investment Home Advantage Variable $250,000 to $699,999 LVR <=70%	6.39% p.a.	6.73% p.a.	$2,499	Principal & Interest	Variable	$350	$210	70%	More details	Compare
Heritage Bank	Heritage Bank Investment Home Advantage Variable $150,000 to $249,999 LVR <=70%	6.39% p.a.	6.73% p.a.	$2,499	Principal & Interest	Variable	$350	$210	70%	More details	Compare
Heritage Bank	Heritage Bank Investment Home Advantage Variable $700,000 or more LVR >70% to 80%	6.44% p.a.	6.78% p.a.	$2,513	Principal & Interest	Variable	$350	$310	80%	More details	Compare
Heritage Bank	Heritage Bank Investment Home Advantage Variable $250,000 to $699,999 LVR >70% to 80%	6.49% p.a.	6.83% p.a.	$2,526	Principal & Interest	Variable	$350	$null	80%	More details	Compare
Heritage Bank	Heritage Bank Investment Home Advantage Variable $150,000 to $249,999 LVR >70% to 80%	6.49% p.a.	6.83% p.a.	$2,526	Principal & Interest	Variable	$350	$210	80%	More details	Compare
Heritage Bank	Heritage Bank Discount Variable $150,000+ LVR >80%, <=90%	6.49% p.a.	6.51% p.a.	$2,526	Principal & Interest	Variable	$0	$210	90%	More details	Compare
Heritage Bank	Heritage Bank Discount Variable $700,000+ LVR >80%, to 90%	6.49% p.a.	6.51% p.a.	$2,526	Principal & Interest	Variable	$0	$210	90%	More details	Compare
Heritage Bank	Heritage Bank Investment Discount Variable (Interest Only) $700,000+ LVR <=70%	6.54% p.a.	6.56% p.a.	$2,180	Interest-only	Variable	$0	$210	70%	More details	Compare
Heritage Bank	Heritage Bank Home Advantage Variable $700,000 or more LVR >80% to 90%	6.59% p.a.	6.93% p.a.	$2,552	Principal & Interest	Variable	$350	$210	90%	More details	Compare
Heritage Bank	Heritage Bank Investment Discount Variable (Interest Only) $150,000+ LVR <=80%	6.64% p.a.	6.66% p.a.	$2,213	Interest-only	Variable	$0	$210	80%	More details	Compare
Heritage Bank	Heritage Bank Investment Home Advantage Variable $700,000+ (Interest Only) LVR <=70%	6.64% p.a.	6.96% p.a.	$2,213	Interest-only	Variable	$350	$210	70%	More details	Compare
Heritage Bank	Heritage Bank Investment Discount Variable (Interest Only) $700,000+ LVR >70%, to 80%	6.64% p.a.	6.66% p.a.	$2,213	Interest-only	Variable	$0	$210	80%	More details	Compare
Heritage Bank	Heritage Bank Home Advantage Variable $150,000 to $249,999 LVR >80% to 90%	6.64% p.a.	6.98% p.a.	$2,565	Principal & Interest	Variable	$350	$210	90%	More details	Compare
Heritage Bank	Heritage Bank Home Advantage Variable $250,000 to $699,999 LVR >80% to 90%	6.64% p.a.	6.98% p.a.	$2,565	Principal & Interest	Variable	$350	$210	90%	More details	Compare
Heritage Bank	Heritage Bank Investment Home Advantage Variable $150,000 to $249,999 (Interest Only) LVR <=70	6.69% p.a.	7.01% p.a.	$2,230	Interest-only	Variable	$350	$210	70%	More details	Compare
Heritage Bank	Heritage Bank Investment Home Advantage Variable $250,000 to $699,999 (Interest Only) LVR <=70%	6.69% p.a.	7.01% p.a.	$2,230	Interest-only	Variable	$350	$210	70%	More details	Compare
Heritage Bank	Heritage Bank Investment Discount Variable $150,000+ LVR >80%, to 90%	6.74% p.a.	6.76% p.a.	$2,592	Principal & Interest	Variable	$0	$210	90%	More details	Compare
Heritage Bank	Heritage Bank Investment Home Advantage Variable $700,000 or more (Interest Only) LVR >70% to 80%	6.74% p.a.	7.05% p.a.	$2,247	Interest-only	Variable	$350	$210	80%	More details	Compare
Heritage Bank	Heritage Bank Investment Discount Variable $700,000+ LVR >80%, to 90%	6.74% p.a.	6.76% p.a.	$2,592	Principal & Interest	Variable	$0	$210	90%	More details	Compare
Heritage Bank	Heritage Bank Discount Variable $700,000+ LVR >90%, to 95%	6.79% p.a.	6.81% p.a.	$2,605	Principal & Interest	Variable	$0	$210	95%	More details	Compare
Heritage Bank	Heritage Bank Investment Home Advantage Variable $150,000 to $249,999 (Interest Only) LVR >70% to 80%	6.79% p.a.	7.10% p.a.	$2,263	Interest-only	Variable	$350	$210	80%	More details	Compare
Heritage Bank	Heritage Bank Investment Home Advantage Variable $250,000 to $699,999 (Interest Only) LVR >70 to 80%	6.79% p.a.	7.10% p.a.	$2,263	Interest-only	Variable	$350	$210	80%	More details	Compare
Heritage Bank	Heritage Bank Discount Variable $150,000+ LVR >90%, <=95%	6.79% p.a.	6.81% p.a.	$2,605	Principal & Interest	Variable	$0	$210	95%	More details	Compare

More home loans

Variable Home Loan (LVR < 90%)

Product Features

Low rates for purchase and refinancing
Simple online application process
No fees, unlimited redraws, 0.10% offset

Monthly repayments: $2,408

6.04% Advertised Rate (p.a.)

6.06% Comparison Rate (p.a.)

More details

Important Information and Comparison Rate Warning

Rates correct as of . View disclaimer.

Important Information and Comparison Rate Warning

Latest Lending News

Heritage Bank

Fixed home loans slide further as NAB, ANZ slash rates

Home loan rate changes

Big week of mortgage moves signals market is heating up

Home Loans News

Tiny credit union makes big mortgage moves; big players continue to shake up market

Product News

Credit card fees, rates on the rise amid decline in credit reliance

Compare More Heritage Bank Products

Heritage Bank Car Loan Rates Heritage Bank Personal Loan Rates Heritage Bank Savings Account Rates Heritage Bank Term Deposit Rates Heritage Bank Credit Card Rates

Home Loan Comparison & Tools

Home Loans Refinancing home loans Investment home loans Fixed-rate home loans Variable-rate home loans Mortgage Calculator

Home Loan Lenders' Rates

InfoChoice respectfully acknowledges the Traditional Custodians of the land on which we live, learn and work.

Important Information

InfoChoice.com.au provides general information and comparison services to help you make informed financial decisions. We do not cover every product or provider in the market. Our service is free to you because we receive compensation from product providers for sponsored placements, advertisements, and referrals. Importantly, these commercial relationships do not influence our editorial integrity.

For more detailed information, please refer to our How We Get Paid, Managing Conflicts of Interest, and Editorial Guidelines pages.

Editorial Integrity

At InfoChoice.com.au, we are passionate about helping Australians make informed financial decisions. Our dedicated editorial team works tirelessly to provide you with accurate, relevant, and unbiased information. We pride ourselves on maintaining a strict separation between our editorial and commercial teams, ensuring that the content you read is based purely on merit and not influenced by commercial interests.

Learn more about our commitment to editorial integrity in our Editorial Guidelines.

Advertiser Disclosure

Our service is free for you, thanks to support from our partners through sponsored placements, ads, and referrals. We earn compensation by promoting products, referring you, or when you click on a product link. You might also see ads in emails, sponsored content, or directly on our site.

For more details, see How We Get Paid.

Product Coverage and Sort Order

We strive to cover a broad range of products, providers, and services; however, we do not cover the entire market. Products in our comparison tables are sorted based on various factors, including product features, interest rates, fees, popularity, and commercial arrangements.

Some products will be marked as promoted, featured or sponsored and may appear prominently in the tables regardless of their attributes.

Additionally, certain products may present forms designed to refer you to associated companies (e.g. our mortgage broker partner) who may be able to assist you with products from the brand you selected. We may receive a fee for this referral.

You can customise your search using our sorting and filtering tools to prioritise what matters most to you, although we do not compare all features and some results associated with commercial arrangements may still appear.

For more details, visit How We Get Paid and Managing Conflicts of Interest.

Comparison Rate Warning and Base Criteria

For home loans, the base criteria include a $400,000 loan amount over 25 years. For car loans and personal loans, the base criteria include a $30,000 loan over 5 years. These rates are only examples and may not include all fees and charges.

*The Comparison rate is based on a $150,000 loan over 25 years. Warning: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Monthly Repayment Figures

Monthly repayment figures are estimates that exclude fees. These estimates are based on the advertised rates for the specified term and loan amount. Actual repayments will depend on your circumstances and interest rate changes.

Monthly repayments, once the base criteria are altered by the user, will be based on the selected products’ advertised rates and determined by the loan amount, repayment type, loan term and LVR as input by the user/you.

Related Brands

InfoChoice.com.au is proudly part of the InfoChoice Group, which includes Savings.com.au, YourMortgage.com.au, YourInvestmentPropertyMag.com.au, and PerformanceDrive.com.au. The InfoChoice Group is associated with the Firstmac Group.

We may include products and services from loans.com.au, CarLoans.com.au, OnlineAuto.com.au, and YourMortgageBroker Pty Ltd, all associated with the Firstmac Group. Importantly, these brands are treated like any other commercial partner.

Learn more about how we manage conflicts of interest.

General Advice Disclosure

The information provided by InfoChoice.com.au is general in nature and does not take into account your personal objectives, financial situation, or needs. We recommend seeking independent financial advice before making any financial decisions. Before acquiring any financial product, obtain and read the relevant Product Disclosure Statement (PDS), Target Market Determination (TMD), and any other offer documents.

Rates and product information should be confirmed with the relevant credit provider. For more information, read InfoChoice.com.au’s Financial Services and Credit Guide (FSCG).