Heritage Bank Fixed Loan

This product is available in different versions. Pick the right version for you here.

The details shown below are for an owner occupier taking out a principal & interest loan of at least $20,000 with an LVR below 95%

The details shown below are for an investor taking out a principal & interest loan of at least $20,000 with an LVR below 90%

The details shown below are for an investor taking out a interest only loan of at least $20,000 with an LVR below 90%

Choose the version of this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 95%

    Loan: $20,000

  • Investor (Principal & Interest)

    LVR < 90%

    Loan: $20,000

  • Investor (Interest Only)

    LVR < 90%

    Loan: $20,000

2.99% p.a.

4.39% p.a.

$8.00 monthly

Heritage Bank Fixed Loan

2.99% p.a.

4.39% p.a.

$8.00 monthly

Details
Customer Reviews
Similar loans

3.49% p.a.

4.92% p.a.

$8.00 monthly

Heritage Bank Fixed Loan

3.49% p.a.

4.92% p.a.

$8.00 monthly

Details
Customer Reviews
Similar loans

3.64% p.a.

4.96% p.a.

$8.00 monthly

Heritage Bank Fixed Loan

3.64% p.a.

4.96% p.a.

$8.00 monthly

Details
Customer Reviews
Similar loans
Details
Customer Reviews
Similar loans

Details

Rates and fees information correct as at 6 December 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

  • n/a

  • n/a

  • n/a

  • n/a

  • 2.99% (4.68%*)

  • 2.99% (4.53%*)

  • 2.99% (4.39%*)

  • n/a

  • 3.19% (4.23%*)

  • n/a

  • n/a

  • 4.69% p.a.

Fees

  • $600.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $8.00 monthly

  • $250.00

Other financial bits

  • $20,000

  • none

  • none

  • 95.00%

Features

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • yes - partial only

  • none

  • none

  • none

*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.

Details

Rates and fees information correct as at 6 December 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

  • n/a

  • n/a

  • n/a

  • n/a

  • 3.49% (5.22%*)

  • 3.49% (5.06%*)

  • 3.49% (4.92%*)

  • n/a

  • 3.59% (4.70%*)

  • n/a

  • n/a

  • 5.24% p.a.

Fees

  • $600.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $8.00 monthly

  • $250.00

Other financial bits

  • $20,000

  • none

  • none

  • 90.00%

Features

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • yes - partial only

  • none

  • none

  • none

*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.

Details

Rates and fees information correct as at 6 December 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

  • n/a

  • n/a

  • n/a

  • n/a

  • 3.64% (5.23%*)

  • 3.64% (5.09%*)

  • 3.64% (4.96%*)

  • n/a

  • 3.79% (4.78%*)

  • n/a

  • n/a

  • 5.24% p.a.

Fees

  • $600.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $8.00 monthly

  • $250.00

Other financial bits

  • $20,000

  • none

  • none

  • 90.00%

Features

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • yes - partial only

  • none

  • none

  • none

*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.

Customer Reviews

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

Overall customer rating
8.4/10

Based on 249 Heritage Bank home loan reviews

Price
8.1/10
Features
7.7/10
Customer service
8.6/10
Convenience
8.0/10
Trust
8.5/10

Latest reviews of Heritage Bank Fixed Loan

  • Overall
    9/10
    Competitive rates, excellent customer service.

    Excellent customer service with outstanding and very competitive interest rates. More personal...

    Read full review

    Excellent customer service with outstanding and very competitive interest rates. More personal then the big 4, extremely happy with their products.

    Price
    9/10
    Features
    8/10
    Customer service
    9/10
    Convenience
    8/10
    Trust
    10/10

    Less

    Alicia | Queensland

    reviewed about 4 years ago

  • Overall
    9/10
    Competitive, competent and courteous.

    We severed our association with one of the big 4 (which bank you ask?) for a number of reasons...

    Read full review

    We severed our association with one of the big 4 (which bank you ask?) for a number of reasons including inflexibility and terrible customer service. We find Heritage wonderful to deal with - courteous, efficient and helpful. We feel like people not just numbers. Five years on we have never regretted our decision.

    Price
    8/10
    Features
    5/10
    Customer service
    9/10
    Convenience
    9/10
    Trust
    9/10

    Less

    Barry | Queensland

    reviewed over 4 years ago

  • Overall
    9/10
    Great customer service

    Heritage has great customer service and have helped us to buy our first home.

    Read full review

    Heritage has great customer service and have helped us to buy our first home.

    Price
    8/10
    Features
    8/10
    Customer service
    9/10
    Convenience
    8/10
    Trust
    9/10

    Less

    Jarrad | Queensland

    reviewed over 4 years ago

  • Overall
    9/10
    Great customer service

    Heritage is a local bank with great customer service and competitive rates.

    Read full review

    Heritage is a local bank with great customer service and competitive rates.

    Price
    9/10
    Features
    9/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10

    Less

    Jarrad | Queensland

    reviewed over 4 years ago

  • Overall
    10/10
    No one better

    Been with them since the 70s. Love them.

    Read full review

    Been with them since the 70s. Love them.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10

    Less

    Michele | Queensland

    reviewed over 4 years ago

Heritage Bank

About Heritage Bank

Heritage is Australia's largest member-owned bank. With a history going back to 1875, Heritage helps Australians realise their financial dreams. Heritage focuses on putting people first, not pursuing massive profits. They offer customers a full range of competitive personal banking products from home loans, saving accounts, term deposits, credit cards and much more.

See Heritage Bank home loans

Promoted

Heritage Bank

Heritage Bank

Discount Variable Home Loan

3.07% p.a.

3.12% p.a.

$0.00

Go to site

Promoted

Heritage Bank

Heritage Bank

Variable Rate Loan (Home Advantage)

3.27% p.a.

3.66% p.a.

$350.00 yearly

Go to site

Promoted

Heritage Bank

Heritage Bank

Fixed Rate Loan (Home Advantage)

p.a.

3.59% p.a.

$350.00 yearly

Go to site

Promoted

loans.com.au

loans.com.au

Smart Home Loan

2.88% p.a. variable

2.90% p.a.

$520

Go to site

Promoted

UBank

UBank

UHomeLoan - Discount Offer

2.84% p.a. variable

2.84% p.a.

$0

Go to site

Promoted

Athena

Athena

Variable Home Loan

2.84% p.a. variable

2.80% p.a.

$0

Go to site

Promoted

Tic:Toc

Tic:Toc

Variable Home Loan

2.79% p.a. variable

2.80% p.a.

$0

Go to site

Promoted

Homestar

Homestar

Star Essentials Home Loan

2.74% p.a. variable

2.77% p.a.

$596

Go to site

Promoted

Well Home Loans

Well Home Loans

Well Balanced

2.82% p.a. variable

2.86% p.a.

$785

Go to site

Promoted

Queensland Country Credit Union

Queensland Country Credit Union

RateSaver (Fixed)

3.49% p.a.
fixed 3 years

3.90% p.a.

$500

Go to site

Promoted

IMB Bank

IMB Bank

Budget Home Loan

3.13% p.a. variable

3.19% p.a.

$799

Promoted

loans.com.au

loans.com.au

Smart Home Loan

2.88% p.a. variable

2.90% p.a.

$520

Go to site

Promoted

UBank

UBank

UHomeLoan - Discount Offer

2.84% p.a. variable

2.84% p.a.

$0

Go to site

Promoted

Athena

Athena

Variable Home Loan

2.84% p.a. variable

2.80% p.a.

$0

Go to site

Promoted

Tic:Toc

Tic:Toc

Variable Home Loan

2.79% p.a. variable

2.80% p.a.

$0

Go to site

Promoted

Homestar

Homestar

Star Essentials Home Loan

2.74% p.a. variable

2.77% p.a.

$596

Go to site

Promoted

Well Home Loans

Well Home Loans

Well Balanced

2.82% p.a. variable

2.86% p.a.

$785

Go to site

Promoted

Easy Street

Easy Street

Standard Variable Home Loan

2.95% p.a. variable

2.99% p.a.

$500

Go to site

Promoted

CUA

CUA

Achieve Variable Home Loan

3.20% p.a. variable

3.25% p.a.

$835

Go to site

Promoted

UBank

UBank

UHomeLoan - Discount Offer

2.84% p.a.

2.84% p.a.

$0

Go to site

Promoted

loans.com.au

loans.com.au

Smart Home Loan

2.88% p.a.

2.90% p.a.

$520

Go to site

Promoted

Athena

Athena

Variable Home Loan

2.84% p.a.

2.80% p.a.

$0

Go to site

Promoted

Tic:Toc

Tic:Toc

Variable Home Loan

2.79% p.a.

2.80% p.a.

$0

Go to site

Promoted

Well Home Loans

Well Home Loans

Well Balanced

2.82% p.a.

2.86% p.a.

$785

Go to site

Promoted

Homestar

Homestar

Star Essentials Home Loan

2.74% p.a.

2.77% p.a.

$596

Go to site

Promoted

Newcastle Permanent

Newcastle Permanent

Real Deal Home Loan

3.19% p.a.

3.23% p.a.

$0

Go to site

Promoted

CUA

CUA

Achieve Variable Home Loan

3.20% p.a.

3.25% p.a.

$835

Go to site

Promoted

UBank

UBank

UHomeLoan (Fixed)

2.84% p.a.
fixed 3 years

3.59% p.a.

$395

Go to site

Promoted

loans.com.au

loans.com.au

Fixed Home Loan

2.99% p.a.
fixed 3 years

3.27% p.a.

$520

Go to site

Promoted

Tic:Toc

Tic:Toc

Fixed Home Loan

2.84% p.a.
fixed 3 years

2.92% p.a.

$0

Go to site

Promoted

Queensland Country Credit Union

Queensland Country Credit Union

RateSaver (Fixed)

3.49% p.a.
fixed 3 years

3.90% p.a.

$500

Go to site

Promoted

Well Home Loans

Well Home Loans

Well Balanced Fixed

2.74% p.a.
fixed 3 years

2.84% p.a.

$785

Go to site

Promoted

CUA

CUA

Fixed Rate Loan

2.98% p.a.
fixed 3 years

4.29% p.a.

$835

Go to site

Promoted

IMB Bank

IMB Bank

Fixed Home Loan

2.84% p.a.
fixed 3 years

3.44% p.a.

$799

Promoted

Newcastle Permanent

Newcastle Permanent

Fixed Rate Home Loan (Premium Plus Package)

2.89% p.a.
fixed 3 years

3.96% p.a.

$0

Go to site

*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.

Compare other home loans