Heritage Bank Fixed Rate Loan (Home Advantage)

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 between $150,000 and $249,999 with an LVR below 80%

The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 and $249,999 with an LVR below 90%

The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 and $249,999 with an LVR below 95%

The details shown below are for an owner occupier taking out a principal & interest loan between $250,000 and $699,999 with an LVR below 80%

The details shown below are for an owner occupier taking out a principal & interest loan between $250,000 and $699,999 with an LVR below 90%

The details shown below are for an owner occupier taking out a principal & interest loan between $250,000 and $699,999 with an LVR below 95%

The details shown below are for an owner occupier taking out a principal & interest loan of at least $700,000 with an LVR below 80%

The details shown below are for an owner occupier taking out a principal & interest loan of at least $700,000 with an LVR below 90%

The details shown below are for an owner occupier taking out a principal & interest loan of at least $700,000 with an LVR below 95%

The details shown below are for an investor taking out a principal & interest loan between $150,000 and $249,999 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan between $150,000 and $249,999 with an LVR below 90%

The details shown below are for an investor taking out a principal & interest loan between $250,000 and $699,999 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan between $250,000 and $699,999 with an LVR below 90%

The details shown below are for an investor taking out a principal & interest loan of at least $700,000 with an LVR below 80%

The details shown below are for an investor taking out a principal & interest loan of at least $700,000 with an LVR below 90%

The details shown below are for an investor taking out a interest only loan between $150,000 and $249,999 with an LVR below 80%

The details shown below are for an investor taking out a interest only loan between $150,000 and $249,999 with an LVR below 90%

The details shown below are for an investor taking out a interest only loan between $250,000 and $699,999 with an LVR below 80%

The details shown below are for an investor taking out a interest only loan between $250,000 and $699,999 with an LVR below 90%

The details shown below are for an investor taking out a interest only loan of at least $700,000 with an LVR below 80%

The details shown below are for an investor taking out a interest only loan of at least $700,000 with an LVR below 90%

Choose the version of this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 80%

    Loan: $150,000 $249,999

  • Owner Occupier (Principal & Interest)

    LVR 80%-90%

    Loan: $150,000 $249,999

  • Owner Occupier (Principal & Interest)

    LVR 90%-95%

    Loan: $150,000 $249,999

  • Owner Occupier (Principal & Interest)

    LVR < 80%

    Loan: $250,000 $699,999

  • Owner Occupier (Principal & Interest)

    LVR 80%-90%

    Loan: $250,000 $699,999

  • Owner Occupier (Principal & Interest)

    LVR 90%-95%

    Loan: $250,000 $699,999

  • Owner Occupier (Principal & Interest)

    LVR < 80%

    Loan: $700,000

  • Owner Occupier (Principal & Interest)

    LVR 80%-90%

    Loan: $700,000

  • Owner Occupier (Principal & Interest)

    LVR 90%-95%

    Loan: $700,000

  • Investor (Principal & Interest)

    LVR < 80%

    Loan: $150,000 $249,999

  • Investor (Principal & Interest)

    LVR 80%-90%

    Loan: $150,000 $249,999

  • Investor (Principal & Interest)

    LVR < 80%

    Loan: $250,000 $699,999

  • Investor (Principal & Interest)

    LVR 80%-90%

    Loan: $250,000 $699,999

  • Investor (Principal & Interest)

    LVR < 80%

    Loan: $700,000

  • Investor (Principal & Interest)

    LVR 80%-90%

    Loan: $700,000

  • Investor (Interest Only)

    LVR < 80%

    Loan: $150,000 $249,999

  • Investor (Interest Only)

    LVR 80%-90%

    Loan: $150,000 $249,999

  • Investor (Interest Only)

    LVR < 80%

    Loan: $250,000 $699,999

  • Investor (Interest Only)

    LVR 80%-90%

    Loan: $250,000 $699,999

  • Investor (Interest Only)

    LVR < 80%

    Loan: $700,000

  • Investor (Interest Only)

    LVR 80%-90%

    Loan: $700,000

2.99% p.a.

3.56% p.a.

$350.00 yearly

Heritage Bank Fixed Rate Loan (Home Advantage)

2.99% p.a.

3.56% p.a.

$350.00 yearly

2.99% p.a.

3.65% p.a.

$350.00 yearly

Heritage Bank Fixed Rate Loan (Home Advantage)

2.99% p.a.

3.65% p.a.

$350.00 yearly

2.99% p.a.

3.72% p.a.

$350.00 yearly

Heritage Bank Fixed Rate Loan (Home Advantage)

2.99% p.a.

3.72% p.a.

$350.00 yearly

2.99% p.a.

3.56% p.a.

$350.00 yearly

Heritage Bank Fixed Rate Loan (Home Advantage)

2.99% p.a.

3.56% p.a.

$350.00 yearly

2.99% p.a.

3.61% p.a.

$350.00 yearly

Heritage Bank Fixed Rate Loan (Home Advantage)

2.99% p.a.

3.61% p.a.

$350.00 yearly

2.99% p.a.

3.69% p.a.

$350.00 yearly

Heritage Bank Fixed Rate Loan (Home Advantage)

2.99% p.a.

3.69% p.a.

$350.00 yearly

2.99% p.a.

3.51% p.a.

$350.00 yearly

Heritage Bank Fixed Rate Loan (Home Advantage)

2.99% p.a.

3.51% p.a.

$350.00 yearly

2.99% p.a.

3.58% p.a.

$350.00 yearly

Heritage Bank Fixed Rate Loan (Home Advantage)

2.99% p.a.

3.58% p.a.

$350.00 yearly

2.99% p.a.

3.65% p.a.

$350.00 yearly

Heritage Bank Fixed Rate Loan (Home Advantage)

2.99% p.a.

3.65% p.a.

$350.00 yearly

3.49% p.a.

3.87% p.a.

$350.00 yearly

Heritage Bank Fixed Rate Loan (Home Advantage)

3.49% p.a.

3.87% p.a.

$350.00 yearly

3.49% p.a.

3.96% p.a.

$350.00 yearly

Heritage Bank Fixed Rate Loan (Home Advantage)

3.49% p.a.

3.96% p.a.

$350.00 yearly

3.49% p.a.

3.85% p.a.

$350.00 yearly

Heritage Bank Fixed Rate Loan (Home Advantage)

3.49% p.a.

3.85% p.a.

$350.00 yearly

3.49% p.a.

3.92% p.a.

$350.00 yearly

Heritage Bank Fixed Rate Loan (Home Advantage)

3.49% p.a.

3.92% p.a.

$350.00 yearly

3.49% p.a.

3.81% p.a.

$350.00 yearly

Heritage Bank Fixed Rate Loan (Home Advantage)

3.49% p.a.

3.81% p.a.

$350.00 yearly

3.49% p.a.

3.89% p.a.

$350.00 yearly

Heritage Bank Fixed Rate Loan (Home Advantage)

3.49% p.a.

3.89% p.a.

$350.00 yearly

3.64% p.a.

4.14% p.a.

$350.00 yearly

Heritage Bank Fixed Rate Loan (Home Advantage)

3.64% p.a.

4.14% p.a.

$350.00 yearly

3.64% p.a.

4.21% p.a.

$350.00 yearly

Heritage Bank Fixed Rate Loan (Home Advantage)

3.64% p.a.

4.21% p.a.

$350.00 yearly

3.64% p.a.

4.11% p.a.

$350.00 yearly

Heritage Bank Fixed Rate Loan (Home Advantage)

3.64% p.a.

4.11% p.a.

$350.00 yearly

3.64% p.a.

4.18% p.a.

$350.00 yearly

Heritage Bank Fixed Rate Loan (Home Advantage)

3.64% p.a.

4.18% p.a.

$350.00 yearly

3.64% p.a.

4.07% p.a.

$350.00 yearly

Heritage Bank Fixed Rate Loan (Home Advantage)

3.64% p.a.

4.07% p.a.

$350.00 yearly

3.64% p.a.

4.14% p.a.

$350.00 yearly

Heritage Bank Fixed Rate Loan (Home Advantage)

3.64% p.a.

4.14% p.a.

$350.00 yearly

Mozo Review   Heritage Bank Fixed Rate Loan (Home Advantage) Review

Last updated: 15 October 2019.

What's hot:
  • Free extra repayments and redraw facility

  • $0 application fee

  • Family Guarantee to help avoid paying Lenders Mortgage Insurance

What's not:
  • $395 yearly service fee

  • $250 discharge fee

Mozo snapshot:

If you’re after a bit more certainty when it comes to your home loan repayments, locking in a fixed rate could be a good idea, and with 1, 2, 3 and 5 year terms available, the Heritage Bank Fixed Rate Home Loan (Home Advantage) offers plenty of choice. Add to that the ability to make free extra repayments and access a free redraw facility, and you’ve got a feature-rich home loan full of ways to save.

Key features:

With the Heritage Bank Fixed Rate Home Loan (Home Advantage), you’ll be able to bundle your home loan with a credit card and bank account, plus receive fee waivers on credit cards and personal loans, and insurance discounts to boot. Fixed rates are available for either 1, 2, 3 or 5 years. Pick the 2 year option on a loan of between $250,000 and $699,999 (LVR <80%) and you’ll be looking at a rate of 2.99% p.a. (3.59% p.a. comparison rate*) with an even lower 2.99% p.a. rate (3.56% comparison rate*) on offer for a 3 year fixed term.

There are loan options available with LVRs up to 95% for owner occupiers and 90% for investors. If you’re an owner occupier, you’ll be glad to hear you can take advantage of the Family Guarantee, which will allow you to use the equity in a family member’s home to provide extra security on your loan. This is a good idea for one big reason: it will lower your LVR to 80% or less, meaning you won’t have to worry about paying for Lender’s Mortgage Insurance.

Repayments can be made weekly, fortnightly or monthly, and if you want to pay down the loan faster by making free extra repayments you can do so without having to worry about any fees. There’s also a free redraw facility, which will give you the chance to withdraw any extra repayments you’ve made if you need to.

Finally, there are a number of fees that come with this one, including the $150 settlement fee and the $250 discharge fee. The biggest charge however is the $350 service fee, which you’ll have to pay each year. So make sure that the package benefits - like insurance discounts and fee waivers on personal loans and credit cards - are worth the price tag.

Who it's good for:

If you like the idea of bundling other Heritage Bank products, and want a home loan that will allow you to budget around set repayments, the Heritage Bank Fixed Rate Home Loan (Home Advantage) is a good option.

Any catches?

You’ll have to be mindful of the revert rate that will kick in once the fixed term is up. If you borrow between $250,000 and $699,999 (LVR <80%) and fix for three years, you’ll see your rate jump up to 3.22% once the fixed term is up. Still not a bad offer - but make sure you keep an eye on whether it’s the best deal you can score when the time comes.

Details

Rates and fees information correct as at 18 October 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% (3.61%*)

  • 2.99% (3.59%*)

  • 2.99% (3.56%*)

  • n/a

  • 3.19% (3.60%*)

  • n/a

  • n/a

  • 3.27% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $350.00 yearly

  • $250.00

Other financial bits
  • $150,000

  • $249,999

  • none

  • 80.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • yes - partial only

  • 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 18 October 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% (3.71%*)

  • 2.99% (3.68%*)

  • 2.99% (3.65%*)

  • n/a

  • 3.19% (3.68%*)

  • n/a

  • n/a

  • 3.37% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $350.00 yearly

  • $250.00

Other financial bits
  • $150,000

  • $249,999

  • 80.00%

  • 90.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • yes - partial only

  • 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 18 October 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% (3.80%*)

  • 2.99% (3.76%*)

  • 2.99% (3.72%*)

  • n/a

  • 3.19% (3.73%*)

  • n/a

  • n/a

  • 3.47% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $350.00 yearly

  • $250.00

Other financial bits
  • $150,000

  • $249,999

  • 90.00%

  • 95.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • yes - partial only

  • 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 18 October 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% (3.61%*)

  • 2.99% (3.59%*)

  • 2.99% (3.56%*)

  • n/a

  • 3.19% (3.60%*)

  • n/a

  • n/a

  • 3.22% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $350.00 yearly

  • $250.00

Other financial bits
  • $250,000

  • $699,999

  • none

  • 80.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • yes - partial only

  • 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 18 October 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% (3.67%*)

  • 2.99% (3.64%*)

  • 2.99% (3.61%*)

  • n/a

  • 3.19% (3.65%*)

  • n/a

  • n/a

  • 3.32% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $350.00 yearly

  • $250.00

Other financial bits
  • $250,000

  • $699,999

  • 80.00%

  • 90.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • yes - partial only

  • 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 18 October 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% (3.76%*)

  • 2.99% (3.72%*)

  • 2.99% (3.69%*)

  • n/a

  • 3.19% (3.70%*)

  • n/a

  • n/a

  • 3.42% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $350.00 yearly

  • $250.00

Other financial bits
  • $250,000

  • $699,999

  • 90.00%

  • 95.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • yes - partial only

  • 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 18 October 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% (3.54%*)

  • 2.99% (3.52%*)

  • 2.99% (3.51%*)

  • n/a

  • 3.19% (3.56%*)

  • n/a

  • n/a

  • 3.17% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $350.00 yearly

  • $250.00

Other financial bits
  • $700,000

  • none

  • none

  • 80.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • yes - partial only

  • 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 18 October 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% (3.62%*)

  • 2.99% (3.60%*)

  • 2.99% (3.58%*)

  • n/a

  • 3.19% (3.62%*)

  • n/a

  • n/a

  • 3.27% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $350.00 yearly

  • $250.00

Other financial bits
  • $700,000

  • none

  • 80.00%

  • 90.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • yes - partial only

  • 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 18 October 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% (3.71%*)

  • 2.99% (3.68%*)

  • 2.99% (3.65%*)

  • n/a

  • 3.19% (3.68%*)

  • n/a

  • n/a

  • 3.37% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $350.00 yearly

  • $250.00

Other financial bits
  • $700,000

  • none

  • 90.00%

  • 95.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • yes - partial only

  • 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 18 October 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% (3.89%*)

  • 3.49% (3.89%*)

  • 3.49% (3.87%*)

  • n/a

  • 3.59% (3.92%*)

  • n/a

  • n/a

  • 3.52% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $350.00 yearly

  • $250.00

Other financial bits
  • $150,000

  • $249,999

  • none

  • 80.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • yes - partial only

  • 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 18 October 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% (3.98%*)

  • 3.49% (3.97%*)

  • 3.49% (3.96%*)

  • n/a

  • 3.59% (3.98%*)

  • n/a

  • n/a

  • 3.62% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $350.00 yearly

  • $250.00

Other financial bits
  • $150,000

  • $249,999

  • 80.00%

  • 90.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • yes - partial only

  • 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 18 October 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% (3.85%*)

  • 3.49% (3.85%*)

  • 3.49% (3.85%*)

  • n/a

  • 3.59% (3.89%*)

  • n/a

  • n/a

  • 3.47% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $350.00 yearly

  • $250.00

Other financial bits
  • $250,000

  • $699,999

  • none

  • 80.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • yes - partial only

  • 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 18 October 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% (3.94%*)

  • 3.49% (3.93%*)

  • 3.49% (3.92%*)

  • n/a

  • 3.59% (3.95%*)

  • n/a

  • n/a

  • 3.57% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $350.00 yearly

  • $250.00

Other financial bits
  • $250,000

  • $699,999

  • 80.00%

  • 90.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • yes - partial only

  • 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 18 October 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% (3.80%*)

  • 3.49% (3.81%*)

  • 3.49% (3.81%*)

  • n/a

  • 3.59% (3.86%*)

  • n/a

  • n/a

  • 3.42% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $350.00 yearly

  • $250.00

Other financial bits
  • $700,000

  • none

  • none

  • 80.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • yes - partial only

  • 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 18 October 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% (3.89%*)

  • 3.49% (3.89%*)

  • 3.49% (3.89%*)

  • n/a

  • 3.59% (3.92%*)

  • n/a

  • n/a

  • 3.52% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $350.00 yearly

  • $250.00

Other financial bits
  • $700,000

  • none

  • 80.00%

  • 90.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • yes - partial only

  • 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 18 October 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% (4.17%*)

  • 3.64% (4.16%*)

  • 3.64% (4.14%*)

  • n/a

  • 3.79% (4.18%*)

  • n/a

  • n/a

  • 3.82% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $350.00 yearly

  • $250.00

Other financial bits
  • $150,000

  • $249,999

  • none

  • 80.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • yes - partial only

  • 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 18 October 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% (4.26%*)

  • 3.64% (4.24%*)

  • 3.64% (4.21%*)

  • n/a

  • 3.79% (4.23%*)

  • n/a

  • n/a

  • 3.92% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $350.00 yearly

  • $250.00

Other financial bits
  • $150,000

  • $249,999

  • 80.00%

  • 90.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • yes - partial only

  • 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 18 October 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% (4.13%*)

  • 3.64% (4.12%*)

  • 3.64% (4.11%*)

  • n/a

  • 3.79% (4.15%*)

  • n/a

  • n/a

  • 3.77% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $350.00 yearly

  • $250.00

Other financial bits
  • $250,000

  • $699,999

  • none

  • 80.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • yes - partial only

  • 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 18 October 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% (4.22%*)

  • 3.64% (4.20%*)

  • 3.64% (4.18%*)

  • n/a

  • 3.79% (4.20%*)

  • n/a

  • n/a

  • 3.87% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $350.00 yearly

  • $250.00

Other financial bits
  • $250,000

  • $699,999

  • 80.00%

  • 90.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • yes - partial only

  • 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 18 October 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% (4.08%*)

  • 3.64% (4.08%*)

  • 3.64% (4.07%*)

  • n/a

  • 3.79% (4.12%*)

  • n/a

  • n/a

  • 3.72% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $350.00 yearly

  • $250.00

Other financial bits
  • $700,000

  • none

  • none

  • 80.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • yes - partial only

  • 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 18 October 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% (4.17%*)

  • 3.64% (4.16%*)

  • 3.64% (4.14%*)

  • n/a

  • 3.79% (4.18%*)

  • n/a

  • n/a

  • 3.82% p.a.

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $350.00 yearly

  • $250.00

Other financial bits
  • $700,000

  • none

  • 80.00%

  • 90.00%

Features
  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • yes - partial only

  • 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
8.3/10
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 Rate Loan (Home Advantage)

  • Overall
    10/10
    Excellent FI option.

    Service is awesome.

    Service is awesome.

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

    Amy | Queensland

    reviewed over 3 years ago

  • Overall
    10/10
    No prob!!

    I've been with heritage from the age of 12 ! Now 50, never had a problem!!

    I've been with heritage from the age of 12 ! Now 50, never had a problem!!

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

    Murray | 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

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Smart Home Loan

2.88% p.a. variable

2.90% p.a.

$520

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UBank

UBank

UHomeLoan - Discount Offer

2.84% p.a. variableApply now to get this rate from 29 Oct

2.84% p.a.Apply now to get this rate from 29 Oct

$0

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Athena

Athena

Variable Home Loan

2.84% p.a. variable

2.80% p.a.

$0

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HSBC

HSBC

Home Value Loan

3.02% p.a. variableApply now to get this rate from 21 Oct

3.04% p.a.Apply now to get this rate from 21 Oct

$150

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ME

ME

Flexible Home Loan (Member Package)

3.34% p.a. variable

3.78% p.a.

$200

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Bank of Queensland

Bank of Queensland

Fixed Rate

2.99% p.a.
fixed 3 years

3.79% p.a.

$450

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Newcastle Permanent

Newcastle Permanent

Real Deal Home Loan

3.32% p.a. variable

3.36% p.a.

$0

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Well Home Loans

Well Home Loans

Well Balanced

2.82% p.a. variable

2.86% p.a.

$785

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UBank

UBank

UHomeLoan - Discount Offer

2.84% p.a.Apply now to get this rate from 29 Oct

2.84% p.a.Apply now to get this rate from 29 Oct

$0

Promoted

Athena

Athena

Variable Home Loan

2.84% p.a.

2.80% p.a.

$0

Promoted

loans.com.au

loans.com.au

Smart Home Loan

2.88% p.a.

2.90% p.a.

$520

Promoted

ME

ME

Flexible Home Loan (Member Package)

3.34% p.a.

3.78% p.a.

$200

Promoted

Well Home Loans

Well Home Loans

Well Balanced

2.82% p.a.

2.86% p.a.

$785

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HSBC

HSBC

Home Value Loan

3.02% p.a.Apply now to get this rate from 21 Oct

3.04% p.a.Apply now to get this rate from 21 Oct

$150

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loans.com.au

loans.com.au

ZIP Home Loan

3.08% p.a.

3.10% p.a.

$520

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Homestar

Homestar

Star Essentials Home Loan

2.74% p.a.

2.77% p.a.

$596

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UBank

UBank

UHomeLoan (Fixed)

2.69% p.a.
fixed 3 years

3.37% p.a.

$395

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loans.com.au

loans.com.au

Fixed Home Loan

3.19% p.a.
fixed 3 years

3.31% p.a.

$520

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IMB Bank

IMB Bank

Fixed Home Loan

2.84% p.a.
fixed 3 years

3.47% p.a.

$799

Promoted

CUA

CUA

Fixed Rate Loan

2.98% p.a.
fixed 3 years

4.39% p.a.

$835

Promoted

Newcastle Permanent

Newcastle Permanent

Fixed Rate Home Loan (Premium Plus Package)

2.99% p.a.
fixed 3 years

4.08% p.a.

$0

Promoted

UBank

UBank

UHomeLoan (1 Year Fixed)

n/a

n/a

$395

Promoted

Virgin Money

Virgin Money

Reward Me Fixed Rate Home Loan

2.99% p.a.
fixed 3 years

3.42% p.a.

$150

Promoted

IMB Bank

IMB Bank

Fixed Home Loan

2.84% p.a.
fixed 3 years

3.47% p.a.

$799

*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.