Thumbnail icon for Heritage Bank

Heritage Bank Fixed Loan

The details shown below are for an owner occupier 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 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 < 90%

    Loan: $20,000

  • Investor (Principal & Interest)

    LVR < 90%

    Loan: $20,000

  • Investor (Interest Only)

    LVR < 90%

    Loan: $20,000

Fixed 3 year rate
2.59% p.a.
Comparison Rate*
4.14% p.a.
Service fee
$8.00 monthly
Upfront fee
$750
Fixed 3 year rate
2.88% p.a.
Comparison Rate*
4.61% p.a.
Service fee
$8.00 monthly
Upfront fee
$750
Fixed 3 year rate
2.98% p.a.
Comparison Rate*
4.64% p.a.
Service fee
$8.00 monthly
Upfront fee
$750

Details

Rates and fees information correct as at 15 July 2020. 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

  • 2.59% (4.46%*)

  • 2.59% (4.30%*)

  • 2.59% (4.14%*)

  • n/a

  • 2.79% (3.95%*)

  • n/a

  • n/a

  • 4.49% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $8.00 monthly

  • $300.00

Other financial bits
  • $20,000

  • none

  • none

  • 90.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • no

  • 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 15 July 2020. 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

  • 2.89% (4.98%*)

  • 2.88% (4.79%*)

  • 2.88% (4.61%*)

  • n/a

  • 3.09% (4.39%*)

  • n/a

  • n/a

  • 5.04% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $8.00 monthly

  • $300.00

Other financial bits
  • $20,000

  • none

  • none

  • 90.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • no

  • 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 15 July 2020. 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% (4.99%*)

  • 2.98% (4.81%*)

  • 2.98% (4.64%*)

  • n/a

  • 3.19% (4.43%*)

  • n/a

  • n/a

  • 5.04% p.a.

Fees
  • $600.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $8.00 monthly

  • $300.00

Other financial bits
  • $20,000

  • none

  • none

  • 90.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • no

  • 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
Price
8.1/10
Features
7.6/10
Customer service
8.6/10
Convenience
8.0/10
Trust
8.5/10

Latest reviews of Heritage Bank Fixed Loan

  • Overall 7/10
    A good trustworthy bank family feel bank.

    Heritage is an excellent bank. However I feel that they could do more to sell their home loans or others loans. They should make the statement “comparison rate” more understandable. What does that even mean.

    Read full review

    Heritage is an excellent bank. However I feel that they could do more to sell their home loans or others loans. They should make the statement “comparison rate” more understandable. What does that even mean.

    Price
    8/10
    Features
    5/10
    Customer service
    6/10
    Convenience
    7/10
    Trust
    9/10
    Less
    Wendy, Queensland reviewed 5 months ago
  • Overall 9/10
    Competitive rates, excellent customer service.

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

    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 over 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 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.

    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 almost 5 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 about 5 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 about 5 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

loans.com.au

loans.com.au

Smart Home Loan

2.57% p.a. variable

2.59% p.a.

Promoted

UBank

UBank

UHomeLoan - Discount Offer

2.59% p.a. variable

2.59% p.a.

Promoted

HSBC

HSBC

Fixed Rate Home Loan

2.29% p.a.
fixed 3 years

2.95% p.a.

Promoted

Suncorp

Suncorp

Fixed Home Loan (Home Package Plus)

2.49% p.a.
fixed 3 years

3.31% p.a.

Promoted

Athena

Athena

Variable Home Loan

2.59% p.a. variable

2.55% p.a.

Promoted

People's Choice Credit Union

People's Choice Credit Union

Fixed Rate Home Loan (Package)

2.29% p.a.
fixed 3 years

3.72% p.a.

Promoted

Newcastle Permanent

Newcastle Permanent

Fixed Rate Home Loan (Premium Plus Package)

2.39% p.a.
fixed 3 years

3.66% p.a.

Promoted

Bank of Queensland

Bank of Queensland

Fixed Rate

2.35% p.a.
fixed 3 years

3.44% p.a.

Promoted

loans.com.au

loans.com.au

Smart Home Loan

2.57% p.a. variable

2.59% p.a.

Promoted

Suncorp

Suncorp

Back to Basics

2.78% p.a. variable

2.79% p.a.

Promoted

UBank

UBank

UHomeLoan - Discount Offer

2.59% p.a. variable

2.59% p.a.

Promoted

HSBC

HSBC

Fixed Rate Home Loan

2.29% p.a.
fixed 3 years

2.95% p.a.

Promoted

Athena

Athena

Variable Home Loan

2.59% p.a. variable

2.55% p.a.

Promoted

Homestar

Homestar

Star Essentials Home Loan

2.39% p.a. variable

2.39% p.a.

Promoted

Newcastle Permanent

Newcastle Permanent

Fixed Rate Home Loan (Premium Plus Package)

2.39% p.a.
fixed 3 years

3.66% p.a.

Promoted

Bank of Queensland

Bank of Queensland

Economy

2.69% p.a. variable

2.86% p.a.

Promoted

loans.com.au

loans.com.au

Smart Home Loan

2.57% p.a.

2.59% p.a.

Promoted

UBank

UBank

UHomeLoan - Discount Offer

2.59% p.a.

2.59% p.a.

Promoted

Bank of Queensland

Bank of Queensland

Economy

2.69% p.a.

2.86% p.a.

Promoted

Newcastle Permanent

Newcastle Permanent

Variable Home Loan (Premium Plus Package)

2.94% p.a.

3.34% p.a.

Promoted

Athena

Athena

Variable Home Loan

2.59% p.a.

2.55% p.a.

Promoted

People's Choice Credit Union

People's Choice Credit Union

Basic Variable Home Loan

2.69% p.a.

2.69% p.a.

Promoted

Homestar

Homestar

Star Essentials Home Loan

2.39% p.a.

2.39% p.a.

Promoted

Yard

Yard

Variable Home Loan Winter Special

2.39% p.a.

2.42% p.a.

Promoted

Suncorp

Suncorp

Fixed Home Loan (Home Package Plus)

2.49% p.a.
fixed 3 years

3.31% p.a.

Promoted

HSBC

HSBC

Fixed Rate Home Loan

2.29% p.a.
fixed 3 years

2.95% p.a.

Promoted

Mozo

Mozo

Mystery Bank Deal

2.29% p.a.
fixed 3 years

3.89% p.a.

Promoted

Homestar

Homestar

Star Essentials Fixed Home Loan

n/a

n/a

Promoted

Newcastle Permanent

Newcastle Permanent

Fixed Rate Home Loan (Premium Plus Package)

2.39% p.a.
fixed 3 years

3.66% p.a.

Promoted

People's Choice Credit Union

People's Choice Credit Union

Fixed Rate Home Loan (Package)

2.29% p.a.
fixed 3 years

3.72% p.a.

Promoted

Mortgage House

Mortgage House

Switch and Save Special - Fixed Home Loan

2.44% p.a.
fixed 3 years

2.60% p.a.

Promoted

Bank of Queensland

Bank of Queensland

Fixed Rate

2.35% p.a.
fixed 3 years

3.44% p.a.

*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.