Heritage Bank home loans

4.1
Based on 274 Heritage Bank home loan product reviews.
Fact Checked

Heritage Bank is Australia’s largest customer-owned bank, which means profits go straight back to members in the form of lower interest rates and fees. With no shareholders to please, Heritage Bank also gives back to the local community through grants to community organisations. If you’re looking for a home loan provider offering a touch of personal service, competitive pricing and flexible features, Heritage Bank may be the right fit.

Mozo may receive payment if you click products on our site. We don’t compare the entire market, but you can search our database of 426 home loans using the filters.
Last updated 12 December 2024 Important disclosures and comparison rate warning*
What are your home loan needs?

Your loan-to-value ratio (LVR): 50%

Loan amount and LVR will affect interest rates.

  • Fixed Rate Loan

    • Owner Occupier
    • LVR<70%
    Interest rate
    5.69 % p.a.
    Fixed 3 years
    Comparison rate
    6.43 % p.a.
    Initial monthly repayment
    $2,899
    No Partner link

  • Fixed Loan

    • Owner Occupier
    Interest rate
    5.69 % p.a.
    Fixed 3 years
    Comparison rate
    7.96 % p.a.
    Initial monthly repayment
    $2,899
    No Partner link

  • Fixed Rate Loan

    • Investment
    • Principal & Interest
    • LVR<70%
    Interest rate
    5.89 % p.a.
    Fixed 3 years
    Comparison rate
    6.66 % p.a.
    Initial monthly repayment
    $2,962
    No Partner link

  • Fixed Loan

    • Investment
    • Principal & Interest
    Interest rate
    5.89 % p.a.
    Fixed 3 years
    Comparison rate
    8.39 % p.a.
    Initial monthly repayment
    $2,962
    No Partner link

  • Discount Variable Home Loan

    • Owner Occupier
    • LVR<70%
    Interest rate
    5.99 % p.a.
    Variable
    Comparison rate
    6.01 % p.a.
    Initial monthly repayment
    $2,995
    No Partner link

  • Variable Rate Loan

    • Owner Occupier
    • LVR<70%
    Interest rate
    6.14 % p.a.
    Variable
    Comparison rate
    6.49 % p.a.
    Initial monthly repayment
    $3,043
    No Partner link

  • Discount Variable Home Loan

    • Investment
    • LVR<70%
    Interest rate
    6.24 % p.a.
    Variable
    Comparison rate
    6.26 % p.a.
    Initial monthly repayment
    $3,075
    No Partner link

  • Variable Rate Loan

    • Investment
    • Principal & Interest
    • LVR<70%
    Interest rate
    6.39 % p.a.
    Variable
    Comparison rate
    6.73 % p.a.
    Initial monthly repayment
    $3,124
    No Partner link

  • Standard Variable

    • Owner Occupier
    Interest rate
    8.74 % p.a.
    Variable
    Comparison rate
    8.89 % p.a.
    Initial monthly repayment
    $3,930
    No Partner link

  • Standard Variable

    • Investment
    Interest rate
    9.29 % p.a.
    Variable
    Comparison rate
    9.44 % p.a.
    Initial monthly repayment
    $4,128
    No Partner link

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Heritage Bank home loan ratings

Overall customer rating for Heritage Bank home loans

4.1
Based on 274 product reviews.

Customer reviews

Important disclosures

Heritage Bank products

Home loan quick links


* WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

** Initial monthly repayment figures are estimates only, based on the advertised rate. You can change the loan amount and term in the input boxes at the top of this table. Rates, fees and charges and therefore the total cost of the loan may vary depending on your loan amount, loan term, and credit history. Actual repayments will depend on your individual circumstances and interest rate changes.

^See information about the Mozo Experts Choice Home Loan Awards

Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.

While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.