Compare Heritage Bank Home Loans

Compare Heritage Bank home loan rates & repayments. Today's top deals from one of our 30+ banks and specialty lenders.


Thumb heritage bank limited logo 1 3

Established in 1875, Heritage is Australia's largest customer-owned bank, enriching thousands of Australia's financial dreams. Heritage Bank is an independent bank, strictly owned by their customers and not shareholders.

True to their motto, 'People first', profits are shared equally amongst their customers. Their mission continues as they help their customers save money by offering better rates and lower fees than their competitors where they can.

Also consider home loans from the Big4 Aussie Banks, or Compare All Home Loan Rates & Repayments

Loading spinner
Lender
Loan Details
Interest
Comparison
Repayments
  1. Discount Variable Rate Special Rate

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 90%
    • 3.79%
      p.a. variable
    • 3.79%
      p.a. Comparison
    • $1,807
      per month*
  2. 2 Year Fixed Rate

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 3.84%
      p.a. fixed
    • 4.87%
      p.a. Comparison
    • $1,822
      per month*
  3. Home Advantage Variable

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 3.84%
      p.a. variable
    • 3.99%
      p.a. Comparison
    • $1,846
      per month*
  4. Home Advantage 2 Years Fixed

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 3.84%
      p.a. fixed
    • 4.02%
      p.a. Comparison
    • $1,846
      per month*
  5. 3 Year Fixed Rate

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 3.99%
      p.a. fixed
    • 4.82%
      p.a. Comparison
    • $1,850
      per month*
  6. 1 Year Fixed Rate

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 4.09%
      p.a. fixed
    • 4.99%
      p.a. Comparison
    • $1,870
      per month*
  7. Home Advantage 3 Years Fixed

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 3.99%
      p.a. fixed
    • 4.05%
      p.a. Comparison
    • $1,875
      per month*
  8. Home Advantage 1 Year Fixed

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 4.09%
      p.a. fixed
    • 4.04%
      p.a. Comparison
    • $1,894
      per month*
  9. Discount Variable Rate

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 4.49%
      p.a. variable
    • 4.49%
      p.a. Comparison
    • $1,943
      per month*
  10. 5 Year Fixed Rate

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 4.49%
      p.a. fixed
    • 4.86%
      p.a. Comparison
    • $1,948
      per month*
  11. Home Advantage 5 Years Fixed

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 4.49%
      p.a. fixed
    • 4.25%
      p.a. Comparison
    • $1,973
      per month*
  12. Standard Variable Rate

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 95%
    • 5.04%
      p.a. variable
    • 5.07%
      p.a. Comparison
    • $2,059
      per month*
  13. Living Equity Line of Credit

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 85%
    • 5.11%
      p.a. variable
    • 5.17%
      p.a. Comparison
    • $2,077
      per month*
  14. Home Advantage Living Equity Line of Credit

    • Offset Account
    • Redraw Available
    • Credit Card
    • Borrow up to 85%
    • 5.11%
      p.a. variable
    • 5.25%
      p.a. Comparison
    • $2,098
      per month*

*Monthly Repayments

Monthly repayments are calculated to take into account the loan amount, repayment term and ongoing fees and charges over the life of the loan.

  • Variable rate loans show the monthly repayments at the current rate.
  • Fixed rate loans show the monthly repayment during the fixed period only.
  • Monthly repayment calculations are an approximate guide only. Speak to a LoanMarket Mortgage broker to understand the exact cost of a loan given your particular circumstances.

**Comparison Rates

A comparison rate is a tool to help consumers identify the true cost of a loan. It factors in the interest rate, loan amount, repayment term and ongoing fees and charges and displays this as a single percentage rate that can be used to compare various loans from different lenders.

Monthly Repayment and Comparison Rate* calculations do not include:

  • The use of account features such as early repayments and offset accounts which vary widely among loans and can reduce the cost of a loan significantly.
  • Cost savings such as fee waivers or special rate discounts.
  • Fees and charges associated with loan options or events that may or may not be used by the borrower, such as early repayment or redraw fees
  • Lenders Mortgage Insurance (LMI) which may be required to secure the loan and can increase the cost of the loan.
  • Government charges such as stamp duty or mortgage registration fees.
  • Fees and charges which aren’t available at the time the comparison rate is provided