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 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 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

3.85% p.a.

4.94% p.a.

$8.00 monthly

Heritage Bank Fixed Loan

3.85% p.a.

4.94% p.a.

$8.00 monthly

4.19% p.a.

5.42% p.a.

$8.00 monthly

Heritage Bank Fixed Loan

4.19% p.a.

5.42% p.a.

$8.00 monthly

4.29% p.a.

5.45% p.a.

$8.00 monthly

Heritage Bank Fixed Loan

4.29% p.a.

5.45% p.a.

$8.00 monthly

Details

Rates and fees information correct as at 17 October 2018.

Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • 3.89% (5.17%*)

  • 3.79% (5.03%*)

  • 3.85% (4.94%*)

  • (*)

  • 4.39% (4.96%*)

  • (*)

  • (*)

  • 5.19% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • none

  • $8.00 monthly

  • $250.00

Other financial bits
  • $20,000

  • none

  • none

  • 95.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - fees apply

  • $0.00

  • yes

  • yes - partial only

  • $20 redraw fee

  • 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 17 October 2018.

Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • 4.19% (5.69%*)

  • 4.09% (5.53%*)

  • 4.19% (5.42%*)

  • (*)

  • 4.99% (5.52%*)

  • (*)

  • (*)

  • 5.74% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • none

  • $8.00 monthly

  • $250.00

Other financial bits
  • $20,000

  • none

  • none

  • 90.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - fees apply

  • $0.00

  • yes

  • yes - partial only

  • $20 redraw fee

  • 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 17 October 2018.

Rates
  • p.a.

  • p.a.

  • 0 Months

  • none

  • 4.39% (5.71%*)

  • 4.39% (5.59%*)

  • 4.29% (5.45%*)

  • (*)

  • 4.89% (5.48%*)

  • (*)

  • (*)

  • 5.74% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • none

  • $8.00 monthly

  • $250.00

Other financial bits
  • $20,000

  • none

  • none

  • 90.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - fees apply

  • $0.00

  • yes

  • yes - partial only

  • $20 redraw fee

  • 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
8.3/10
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
    9/10
    Competitive rates, excellent customer service.

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

    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

    Alicia | Queensland

    reviewed almost 3 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...

    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

    Barry | Queensland

    reviewed about 3 years ago

  • Overall
    9/10
    Great customer service

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

    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

    Jarrad | Queensland

    reviewed over 3 years ago

  • Overall
    9/10
    Great customer service

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

    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

    Jarrad | Queensland

    reviewed over 3 years ago

  • Overall
    10/10
    No one better

    Been with them since the 70s. Love them.

    Been with them since the 70s. Love them.

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

    Michele | Queensland

    reviewed over 3 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.

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*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.