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    • Heritage Bank home loan reviews

    How are Heritage Bank home loans rated by the Mozo community?

    84%

    Overall Mozo Community rating: 8.4 out of 10

    Heritage Bank home loans

    Overall rating: 8.4 (33 reviews)

    Last reviewed: 25 January 2012


    11. Overall customer rating
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    Reviews: 86

    Thumbs up: 79 | Thumbs down: 7

    Featured home loan from Heritage Bank

    • Living Equity (Professional Package)

    • variable rate

      6.63%

    • comparison rate

      6.90%

    Other home loans

    • Professional Plus ($200,000 - $299,999)

    • variable rate

      6.45%

    • comparison rate

      6.79%
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    • Fixed Loan

    • fixed 1 year rate

      6.19%

    • comparison rate

      7.11%
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    Recent Heritage Bank home loan reviews

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        11. Overall customer rating
        12. (Reviewed 10 days ago)

      Would always recommend to everyone they have helped us through good and bad times. They don't just turn their back on you and give up. Con - Could not get to a branch in NSW       Full review 

      Would always recommend to everyone they have helped us through good and bad times. They don't just turn their back on you and give up. Con - Could not get to a branch in NSW


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      Heritage Bank home loan reviewed by Leanne from Queensland

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        11. Overall customer rating
        12. (Reviewed 24 days ago)

      When my husband died, I was told by the Commonwealth bank I would have to apply for a new loan. So I did with Heritage and they were more then happy to refinance my house loan.       Full review 

      When my husband died, I was told by the Commonwealth bank I would have to apply for a new loan. So I did with Heritage and they were more then happy to refinance my house loan.


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      Heritage Bank home loan reviewed by Mary from Victoria

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        11. Overall customer rating
        12. (Reviewed about 1 month ago)

      Old fashioned, hard to deal with. Based in Toowoomba, so OK if you're a Queenslander. Otherwise they are very inflexible.       Full review 

      Old fashioned, hard to deal with. Based in Toowoomba, so OK if you're a Queenslander. Otherwise they are very inflexible.


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      Heritage Bank home loan reviewed by Colin from New South Wales

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        11. Overall customer rating
        12. (Reviewed about 1 month ago)

      They have been quick to answer any enquiries and to spend the time to make sure that I fully understand the answers to questions about the loan       Full review 

      They have been quick to answer any enquiries and to spend the time to make sure that I fully understand the answers to questions about the loan


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      Heritage Bank home loan reviewed by Anita from Queensland

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        11. Overall customer rating
        12. (Reviewed about 1 month ago)

      Straightforward home loan product delivered in an honest and direct way - its easy to understand and you don't pay for services you don't need and won't use.       Full review 

      Straightforward home loan product delivered in an honest and direct way - its easy to understand and you don't pay for services you don't need and won't use.


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      Heritage Bank home loan reviewed by Sara from Queensland

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        11. Overall customer rating
        12. (Reviewed about 1 month ago)

      Heritage bank was a credit union and continues to show personal attention and a caring attitude. Their call centre staff are always helpful, clear and easy to understand and being based in Australia there are no language barriers. I have a home lo...       Full review 

      Heritage bank was a credit union and continues to show personal attention and a caring attitude. Their call centre staff are always helpful, clear and easy to understand and being based in Australia there are no language barriers. I have a home loan and connected savings account and have received the same service levels on both. Heritage are also quick to pass on interest rate reductions, which is a huge help. The only real issue is that they do not have nation-wide branches so if I need to withdraw large sums it takes a few days to arrange it with a sister institution. Otherwise they have solved this problem and I can have free withdrawals at Westpac and other ATMs.


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      Heritage Bank home loan reviewed by Lauren from Northern Territory

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        11. Overall customer rating
        12. (Reviewed 3 months ago)

      I like Heritage Building Society for all of their products. I have found the staff very helpful and the products explained in terms that the everyday person can understand. No hidden extras and flexible.       Full review 

      I like Heritage Building Society for all of their products. I have found the staff very helpful and the products explained in terms that the everyday person can understand. No hidden extras and flexible.


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      Heritage Bank home loan reviewed by Raelene from Queensland

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        11. Overall customer rating
        12. (Reviewed 3 months ago)

      As a sole parent it was hard to find any bank that would have faith in my ability to be able to manage a mortgage and so it is a real treat to have Heritage treat me as any other customer. The flexibility of this product has given me the financial...       Full review 

      As a sole parent it was hard to find any bank that would have faith in my ability to be able to manage a mortgage and so it is a real treat to have Heritage treat me as any other customer. The flexibility of this product has given me the financial backup required to assist my boys in there various stages of growing up. Any request has been dealt with in a 24 hr turn around with no probs & follow up phone calls to check all requests are taken care of. Prompt personalised service with a helpful 'can do' attitude---wish more were like them!!!


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      Heritage Bank home loan reviewed by Kate from New South Wales

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        11. Overall customer rating
        12. (Reviewed 4 months ago)

      As an older person I have found the Heritage Building Society to be always most helpful polite and sympathetic to my needs weather it is Credit Card, Personal Loan, Everyday Account and in this instance Home Loan I can recommend them to everyone t...       Full review 

      As an older person I have found the Heritage Building Society to be always most helpful polite and sympathetic to my needs weather it is Credit Card, Personal Loan, Everyday Account and in this instance Home Loan I can recommend them to everyone that requires a trustful Banking Corporation


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      Heritage Bank home loan reviewed by Wilma from Queensland

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        11. Overall customer rating
        12. (Reviewed 5 months ago)

      Dont like the BIG banks. Heritage was the only bank in the 80s that gave a house loan to a single female I have used them and taken a home loan out when I married. I reccomend them highly       Full review 

      Dont like the BIG banks. Heritage was the only bank in the 80s that gave a house loan to a single female I have used them and taken a home loan out when I married. I reccomend them highly


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      Heritage Bank home loan reviewed by Jenny from Queensland

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        11. Overall customer rating
        12. (Reviewed 5 months ago)

      Heritage supports local communities where they are based. They offer extremely competitive rates, usually without worrying about the gimmicks and they employ local people.       Full review 

      Heritage supports local communities where they are based. They offer extremely competitive rates, usually without worrying about the gimmicks and they employ local people.


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      Heritage Bank home loan reviewed by John from Queensland

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        11. Overall customer rating
        12. (Reviewed 6 months ago)

      Even though we're paying a bit more on our interest rate, we did lock in for 5 years, but they are the only bank that would allow us to make multiple, any amount payments against our loan in any given year, where all other banks would limit the am...       Full review 

      Even though we're paying a bit more on our interest rate, we did lock in for 5 years, but they are the only bank that would allow us to make multiple, any amount payments against our loan in any given year, where all other banks would limit the amount of overpayment you made. And redrawing is a breeze - you can download the form of their internet and its $20 - too easy. The staff are nice and the manager who lent us the money was excellent to deal with.


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      Heritage Bank home loan reviewed by Brenda from Queensland

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        11. Overall customer rating
        12. (Reviewed 7 months ago)

      Heritage customers are treated as valued customers. The staff are obliging and friendly. I have never had a problem that was too much trouble. ***** 5 star service every time *****       Full review 

      Heritage customers are treated as valued customers. The staff are obliging and friendly. I have never had a problem that was too much trouble. ***** 5 star service every time *****


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      Heritage Bank home loan reviewed by John from Queensland

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        11. Overall customer rating
        12. (Reviewed 7 months ago)

      Why change when you've already got the best. Heritage recently had the lowest home loan interest rate for fixed. We locked ours in for 3 years. I feel really secure with doing that. With the economy at the moment I feel safe knowing that Heritage ...       Full review 

      Why change when you've already got the best. Heritage recently had the lowest home loan interest rate for fixed. We locked ours in for 3 years. I feel really secure with doing that. With the economy at the moment I feel safe knowing that Heritage is looking after me.


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      Heritage Bank home loan reviewed by Melisa from Queensland

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        11. Overall customer rating
        12. (Reviewed 7 months ago)

      The branch is always helpful and ready to advise us when needed, are pleasant to speak to.       Full review 

      The branch is always helpful and ready to advise us when needed, are pleasant to speak to.


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      Heritage Bank home loan reviewed by Allan from Queensland

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        11. Overall customer rating
        12. (Reviewed 7 months ago)

      We will never go back to any of the big banks purely because Heritage Building Society look after us to well. Even though there are no branches in NSW as they are a QLD building society we can always contact them by phone a get helpful customer se...       Full review 

      We will never go back to any of the big banks purely because Heritage Building Society look after us to well. Even though there are no branches in NSW as they are a QLD building society we can always contact them by phone a get helpful customer service consultants every time.Their online website is straight forward easy to follow. This Building Society has set a high standard in customer service and actually listen to what the customer wants and deal with it quickly.


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      Heritage Bank home loan reviewed by Tanya from New South Wales

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        11. Overall customer rating
        12. (Reviewed 8 months ago)

      We had no problems. The manager was wonderful very helpful and fast!!!       Full review 

      We had no problems. The manager was wonderful very helpful and fast!!!


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      Heritage Bank home loan reviewed by a Mozo reviewer from Queensland

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        11. Overall customer rating
        12. (Reviewed 9 months ago)

      I don't like interest rates going up from when I first signed       Full review 

      I don't like interest rates going up from when I first signed


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      Heritage Bank home loan reviewed by Elizabeth from Queensland

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        11. Overall customer rating
        12. (Reviewed 9 months ago)

      Great customer service and great home loan products       Full review 

      Great customer service and great home loan products


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      Heritage Bank home loan reviewed by Arpit from Queensland

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        11. Overall customer rating
        12. (Reviewed 9 months ago)

      Heritage listened to what we wanted and worked with us to achieve it. The staff were incredibly helpful and we felt supported through the entire process. I appreciated the phone calls and emails that informed us of what we needed to do at each s...       Full review 

      Heritage listened to what we wanted and worked with us to achieve it. The staff were incredibly helpful and we felt supported through the entire process. I appreciated the phone calls and emails that informed us of what we needed to do at each step then follow up confirmation that each step was completed. It felt like truly personal service. The first mail we received at our new address was a congratulations card signed by the Heritage team. We have used Heritage to finance our two most recent homes and do all our banking with them and I would recommend them to anyone. They genuinely do take the anxiety out of the biggest purchase you are ever going to make.


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      Heritage Bank home loan reviewed by Kaye from Queensland

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        11. Overall customer rating
        12. (Reviewed 10 months ago)

      You can pay extra with no extra penalty. YOu can fix the rate if you desire. The customer service is excellent and the staff are very friendly.       Full review 

      You can pay extra with no extra penalty. YOu can fix the rate if you desire. The customer service is excellent and the staff are very friendly.


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      Heritage Bank home loan reviewed by Fiona from Queensland

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        11. Overall customer rating
        12. (Reviewed 10 months ago)

      I think it is just an overall great product, but it is the personal experience you have with Heritage that i enjoy they are not to large, not to care.       Full review 

      I think it is just an overall great product, but it is the personal experience you have with Heritage that i enjoy they are not to large, not to care.


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      Heritage Bank home loan reviewed by Tony roach from Queensland

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        11. Overall customer rating
        12. (Reviewed 10 months ago)

      Heritage are very approachable abd helpful although very pedantic when applying for loans.       Full review 

      Heritage are very approachable abd helpful although very pedantic when applying for loans.


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      Heritage Bank home loan reviewed by Carol from Queensland

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        11. Overall customer rating
        12. (Reviewed 10 months ago)

      They have a hardship program you can apply for regarding mortgage payments if you get ill, unemployed etc. They were very unhelpful regarding this and turned down application with no reason give. *I was not behind in any repayments etc. Had to res...       Full review 

      They have a hardship program you can apply for regarding mortgage payments if you get ill, unemployed etc. They were very unhelpful regarding this and turned down application with no reason give. *I was not behind in any repayments etc. Had to resort to assistance of a solicitor to get approval. Bank staff very punitive following this.


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      Heritage Bank home loan reviewed by Tina from Queensland

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        11. Overall customer rating
        12. (Reviewed 10 months ago)

      It has the best fixed rate for home loans.       Full review 

      It has the best fixed rate for home loans.


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      Heritage Bank home loan reviewed by Maria from Victoria

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        11. Overall customer rating
        12. (Reviewed 12 months ago)

      They have always been there for me for my mortgage and all other products       Full review 

      They have always been there for me for my mortgage and all other products


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      Heritage Bank home loan reviewed by Lorelle from Queensland

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        11. Overall customer rating
        12. (Reviewed about 1 year ago)

      Likes: Good communication on phone. low interest rates. Dislikes: No ATM's in Vic. loose mail a lot. No branches in Vic.       Full review 

      Likes: Good communication on phone. low interest rates. Dislikes: No ATM's in Vic. loose mail a lot. No branches in Vic.


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      Heritage Bank home loan reviewed by Brenda from Victoria

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        11. Overall customer rating
        12. (Reviewed about 1 year ago)

      Interest rates have always been competitive and branches conveniently located.       Full review 

      Interest rates have always been competitive and branches conveniently located.


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      Heritage Bank home loan reviewed by Jean from Queensland

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        11. Overall customer rating
        12. (Reviewed about 1 year ago)

      Their slogan is "people first" but I am yet to experience it! I have had a number of products removed from them and taken elsewhere and not once was I questioned why I was leaving - nor offered a "great deal" to stay. I have personally been a me...       Full review 

      Their slogan is "people first" but I am yet to experience it! I have had a number of products removed from them and taken elsewhere and not once was I questioned why I was leaving - nor offered a "great deal" to stay. I have personally been a member for over 15 years. Obviously not a valued one.


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      Heritage Bank home loan reviewed by Tara from Queensland

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        11. Overall customer rating
        12. (Reviewed about 1 year ago)

      1.The interest rate is lower than larger banks. 2.My interest rate is fixed and i can pay as much extra as i want. 3. Monthly fee is $5.00       Full review 

      1.The interest rate is lower than larger banks. 2.My interest rate is fixed and i can pay as much extra as i want. 3. Monthly fee is $5.00


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      Heritage Bank home loan reviewed by Nicole from Western Australia

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