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Heritage Bank Fixed Rate Loan (Home Advantage)

Advertiser disclosure
The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 and $699,999 with an LVR below 70%
The details shown below are for an owner occupier taking out a principal & interest loan of at least $700,000 with an LVR below 70%
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 $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 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 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 $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 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 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 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 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 70%
The details shown below are for an investor taking out a principal & interest loan between $250,000 and $699,999 with an LVR below 70%
The details shown below are for an investor taking out a principal & interest loan of at least $700,000 with an LVR below 70%
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 $250,000 and $699,999 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 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 90%
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 70%
The details shown below are for an investor taking out a interest only loan between $250,000 and $699,999 with an LVR below 70%
The details shown below are for an investor taking out a interest only loan of at least $700,000 with an LVR below 70%
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 $250,000 and $699,999 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 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 90%
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

Availability Loan type LVR Min loan amount Max loan amount
Owner Occupier Principal & Interest < 70% $150,000 $699,999
Owner Occupier Principal & Interest < 70% $700,000
Owner Occupier Principal & Interest 70%-80% $150,000 $249,999
Owner Occupier Principal & Interest 70%-80% $250,000 $699,999
Owner Occupier Principal & Interest 70%-80% $700,000
Owner Occupier Principal & Interest 80%-90% $150,000 $249,999
Owner Occupier Principal & Interest 80%-90% $250,000 $699,999
Owner Occupier Principal & Interest 80%-90% $700,000
Owner Occupier Principal & Interest 90%-95% $150,000 $249,999
Owner Occupier Principal & Interest 90%-95% $250,000 $699,999
Owner Occupier Principal & Interest 90%-95% $700,000
Investor Principal & Interest < 70% $150,000 $249,999
Investor Principal & Interest < 70% $250,000 $699,999
Investor Principal & Interest < 70% $700,000
Investor Principal & Interest 70%-80% $150,000 $249,999
Investor Principal & Interest 70%-80% $250,000 $699,999
Investor Principal & Interest 70%-80% $700,000
Investor Principal & Interest 80%-90% $150,000 $249,999
Investor Principal & Interest 80%-90% $250,000 $699,999
Investor Principal & Interest 80%-90% $700,000
Investor Interest Only < 70% $150,000 $249,999
Investor Interest Only < 70% $250,000 $699,999
Investor Interest Only < 70% $700,000
Investor Interest Only 70%-80% $150,000 $249,999
Investor Interest Only 70%-80% $250,000 $699,999
Investor Interest Only 70%-80% $700,000
Investor Interest Only 80%-90% $150,000 $249,999
Investor Interest Only 80%-90% $250,000 $699,999
Investor Interest Only 80%-90% $700,000
  • Owner Occupier (Principal & Interest)
    LVR < 70%
    Loan: $150,000 $699,999
  • Owner Occupier (Principal & Interest)
    LVR < 70%
    Loan: $700,000
  • Owner Occupier (Principal & Interest)
    LVR 70%-80%
    Loan: $150,000 $249,999
  • Owner Occupier (Principal & Interest)
    LVR 70%-80%
    Loan: $250,000 $699,999
  • Owner Occupier (Principal & Interest)
    LVR 70%-80%
    Loan: $700,000
  • Owner Occupier (Principal & Interest)
    LVR 80%-90%
    Loan: $150,000 $249,999
  • Owner Occupier (Principal & Interest)
    LVR 80%-90%
    Loan: $250,000 $699,999
  • Owner Occupier (Principal & Interest)
    LVR 80%-90%
    Loan: $700,000
  • Owner Occupier (Principal & Interest)
    LVR 90%-95%
    Loan: $150,000 $249,999
  • Owner Occupier (Principal & Interest)
    LVR 90%-95%
    Loan: $250,000 $699,999
  • Owner Occupier (Principal & Interest)
    LVR 90%-95%
    Loan: $700,000
  • Investor (Principal & Interest)
    LVR < 70%
    Loan: $150,000 $249,999
  • Investor (Principal & Interest)
    LVR < 70%
    Loan: $250,000 $699,999
  • Investor (Principal & Interest)
    LVR < 70%
    Loan: $700,000
  • Investor (Principal & Interest)
    LVR 70%-80%
    Loan: $150,000 $249,999
  • Investor (Principal & Interest)
    LVR 70%-80%
    Loan: $250,000 $699,999
  • Investor (Principal & Interest)
    LVR 70%-80%
    Loan: $700,000
  • Investor (Principal & Interest)
    LVR 80%-90%
    Loan: $150,000 $249,999
  • Investor (Principal & Interest)
    LVR 80%-90%
    Loan: $250,000 $699,999
  • Investor (Principal & Interest)
    LVR 80%-90%
    Loan: $700,000
  • Investor (Interest Only)
    LVR < 70%
    Loan: $150,000 $249,999
  • Investor (Interest Only)
    LVR < 70%
    Loan: $250,000 $699,999
  • Investor (Interest Only)
    LVR < 70%
    Loan: $700,000
  • Investor (Interest Only)
    LVR 70%-80%
    Loan: $150,000 $249,999
  • Investor (Interest Only)
    LVR 70%-80%
    Loan: $250,000 $699,999
  • Investor (Interest Only)
    LVR 70%-80%
    Loan: $700,000
  • Investor (Interest Only)
    LVR 80%-90%
    Loan: $150,000 $249,999
  • Investor (Interest Only)
    LVR 80%-90%
    Loan: $250,000 $699,999
  • Investor (Interest Only)
    LVR 80%-90%
    Loan: $700,000
Fixed 3 year rate
5.79% p.a.
Comparison Rate
6.46% p.a.
Service fee
$350.00 yearly
Upfront fee
$210
Fixed 3 year rate
5.79% p.a.
Comparison Rate
6.46% p.a.
Service fee
$350.00 yearly
Upfront fee
$210
Fixed 3 year rate
5.79% p.a.
Comparison Rate
6.46% p.a.
Service fee
$350.00 yearly
Upfront fee
$210
Fixed 3 year rate
5.79% p.a.
Comparison Rate
6.46% p.a.
Service fee
$350.00 yearly
Upfront fee
$210
Fixed 3 year rate
5.79% p.a.
Comparison Rate
6.46% p.a.
Service fee
$350.00 yearly
Upfront fee
$210
Fixed 3 year rate
5.79% p.a.
Comparison Rate
6.46% p.a.
Service fee
$350.00 yearly
Upfront fee
$210
Fixed 3 year rate
5.79% p.a.
Comparison Rate
6.46% p.a.
Service fee
$350.00 yearly
Upfront fee
$210
Fixed 3 year rate
5.79% p.a.
Comparison Rate
6.46% p.a.
Service fee
$350.00 yearly
Upfront fee
$210
Fixed 3 year rate
5.79% p.a.
Comparison Rate
6.46% p.a.
Service fee
$350.00 yearly
Upfront fee
$210
Fixed 3 year rate
5.79% p.a.
Comparison Rate
6.46% p.a.
Service fee
$350.00 yearly
Upfront fee
$210
Fixed 3 year rate
5.79% p.a.
Comparison Rate
6.46% p.a.
Service fee
$350.00 yearly
Upfront fee
$210
Fixed 3 year rate
5.99% p.a.
Comparison Rate
6.61% p.a.
Service fee
$350.00 yearly
Upfront fee
$210
Fixed 3 year rate
5.99% p.a.
Comparison Rate
6.61% p.a.
Service fee
$350.00 yearly
Upfront fee
$210
Fixed 3 year rate
5.99% p.a.
Comparison Rate
6.61% p.a.
Service fee
$350.00 yearly
Upfront fee
$210
Fixed 3 year rate
5.99% p.a.
Comparison Rate
6.61% p.a.
Service fee
$350.00 yearly
Upfront fee
$210
Fixed 3 year rate
5.99% p.a.
Comparison Rate
6.61% p.a.
Service fee
$350.00 yearly
Upfront fee
$210
Fixed 3 year rate
5.99% p.a.
Comparison Rate
6.61% p.a.
Service fee
$350.00 yearly
Upfront fee
$210
Fixed 3 year rate
5.99% p.a.
Comparison Rate
6.61% p.a.
Service fee
$350.00 yearly
Upfront fee
$210
Fixed 3 year rate
5.99% p.a.
Comparison Rate
6.61% p.a.
Service fee
$350.00 yearly
Upfront fee
$210
Fixed 3 year rate
5.99% p.a.
Comparison Rate
6.61% p.a.
Service fee
$350.00 yearly
Upfront fee
$210
Fixed 3 year rate
6.19% p.a.
Comparison Rate
6.94% p.a.
Service fee
$350.00 yearly
Upfront fee
$210
Fixed 3 year rate
6.19% p.a.
Comparison Rate
6.94% p.a.
Service fee
$350.00 yearly
Upfront fee
$210
Fixed 3 year rate
6.19% p.a.
Comparison Rate
6.94% p.a.
Service fee
$350.00 yearly
Upfront fee
$210
Fixed 3 year rate
6.19% p.a.
Comparison Rate
6.94% p.a.
Service fee
$350.00 yearly
Upfront fee
$210
Fixed 3 year rate
6.19% p.a.
Comparison Rate
6.94% p.a.
Service fee
$350.00 yearly
Upfront fee
$210
Fixed 3 year rate
6.19% p.a.
Comparison Rate
6.94% p.a.
Service fee
$350.00 yearly
Upfront fee
$210
Fixed 3 year rate
6.19% p.a.
Comparison Rate
6.94% p.a.
Service fee
$350.00 yearly
Upfront fee
$210
Fixed 3 year rate
6.19% p.a.
Comparison Rate
6.94% p.a.
Service fee
$350.00 yearly
Upfront fee
$210
Fixed 3 year rate
6.19% p.a.
Comparison Rate
6.94% p.a.
Service fee
$350.00 yearly
Upfront fee
$210

Mozo editorial review Heritage Bank Fixed Rate Loan (Home Advantage) - last updated: 8 February 2024

binocular icon
What's hot
  • Free extra repayments and redraw facility
  • Family Guarantee to help avoid paying Lenders Mortgage Insurance
What's not
  • $350 yearly service fee
  • $345 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 icon
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 and you’ll be looking at a rate of 6.09% p.a. (6.51% p.a. comparison rate*).

There are loan options available with LVRs up to 90% for owner occupiers and 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 $210 settlement fee and the $345 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.


snapshot
Who is it 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.

question icon
Any catches

You’ll have to be mindful of the revert rate that will kick in once the fixed term is up. 

Details

Rates and fees information correct as at 28 March 2024. 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

6.24% (6.54%*)

6.09% (6.51%*)

5.79% (6.46%*)

n/a

5.79% (6.39%*)

n/a

n/a

6.14% p.a.

Fees

$0.00

$0.00

$0.00

$210.00

n/a

$350.00 yearly

$345.00

Other financial bits

$150,000

$699,999

none

70.00%

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 28 March 2024. 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

6.24% (6.54%*)

6.09% (6.51%*)

5.79% (6.46%*)

n/a

5.79% (6.39%*)

n/a

n/a

6.09% p.a.

Fees

$0.00

$0.00

$0.00

$210.00

n/a

$350.00 yearly

$345.00

Other financial bits

$700,000

none

none

70.00%

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 28 March 2024. 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

6.24% (6.54%*)

6.09% (6.51%*)

5.79% (6.46%*)

n/a

5.79% (6.39%*)

n/a

n/a

6.19% p.a.

Fees

$0.00

$0.00

$0.00

$210.00

n/a

$350.00 yearly

$345.00

Other financial bits

$150,000

$249,999

70.00%

80.00%

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 28 March 2024. 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

6.24% (6.54%*)

6.09% (6.51%*)

5.79% (6.46%*)

n/a

5.79% (6.39%*)

n/a

n/a

6.19% p.a.

Fees

$0.00

$0.00

$0.00

$210.00

n/a

$350.00 yearly

$345.00

Other financial bits

$250,000

$699,999

70.00%

80.00%

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 28 March 2024. 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

6.24% (6.54%*)

6.09% (6.51%*)

5.79% (6.46%*)

n/a

5.79% (6.39%*)

n/a

n/a

6.14% p.a.

Fees

$0.00

$0.00

$0.00

$210.00

n/a

$350.00 yearly

$345.00

Other financial bits

$700,000

none

70.00%

80.00%

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 28 March 2024. 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

6.24% (6.54%*)

6.09% (6.51%*)

5.79% (6.46%*)

n/a

5.79% (6.39%*)

n/a

n/a

6.79% p.a.

Fees

$0.00

$0.00

$0.00

$210.00

n/a

$350.00 yearly

$345.00

Other financial bits

$150,000

$249,999

80.00%

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 28 March 2024. 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

6.24% (6.54%*)

6.09% (6.51%*)

5.79% (6.46%*)

n/a

5.79% (6.39%*)

n/a

n/a

6.79% p.a.

Fees

$0.00

$0.00

$0.00

$210.00

n/a

$350.00 yearly

$345.00

Other financial bits

$250,000

$699,999

80.00%

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 28 March 2024. 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

6.24% (6.54%*)

6.09% (6.51%*)

5.79% (6.46%*)

n/a

5.79% (6.39%*)

n/a

n/a

6.74% p.a.

Fees

$0.00

$0.00

$0.00

$210.00

n/a

$350.00 yearly

$345.00

Other financial bits

$700,000

none

80.00%

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 28 March 2024. 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

6.24% (6.54%*)

6.09% (6.51%*)

5.79% (6.46%*)

n/a

5.79% (6.39%*)

n/a

n/a

6.94% p.a.

Fees

$0.00

$0.00

$0.00

$210.00

n/a

$350.00 yearly

$345.00

Other financial bits

$150,000

$249,999

90.00%

95.00%

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 28 March 2024. 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

6.24% (6.54%*)

6.09% (6.51%*)

5.79% (6.46%*)

n/a

5.79% (6.39%*)

n/a

n/a

6.94% p.a.

Fees

$0.00

$0.00

$0.00

$210.00

n/a

$350.00 yearly

$345.00

Other financial bits

$250,000

$699,999

90.00%

95.00%

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 28 March 2024. 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

6.24% (6.54%*)

6.09% (6.51%*)

5.79% (6.46%*)

n/a

5.79% (6.39%*)

n/a

n/a

6.89% p.a.

Fees

$0.00

$0.00

$0.00

$210.00

n/a

$350.00 yearly

$345.00

Other financial bits

$700,000

none

90.00%

95.00%

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 28 March 2024. 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

6.44% (6.78%*)

6.29% (6.75%*)

5.99% (6.61%*)

n/a

5.99% (6.61%*)

n/a

n/a

6.39% p.a.

Fees

$0.00

$0.00

$0.00

$210.00

n/a

$350.00 yearly

$345.00

Other financial bits

$150,000

$249,999

none

70.00%

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 28 March 2024. 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

6.44% (6.78%*)

6.29% (6.75%*)

5.99% (6.61%*)

n/a

5.99% (6.61%*)

n/a

n/a

6.39% p.a.

Fees

$0.00

$0.00

$0.00

$210.00

n/a

$350.00 yearly

$345.00

Other financial bits

$250,000

$699,999

none

70.00%

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 28 March 2024. 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

6.44% (6.78%*)

6.29% (6.75%*)

5.99% (6.61%*)

n/a

5.99% (6.61%*)

n/a

n/a

6.34% p.a.

Fees

$0.00

$0.00

$0.00

$210.00

n/a

$350.00 yearly

$345.00

Other financial bits

$700,000

none

none

70.00%

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 28 March 2024. 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

6.44% (6.78%*)

6.29% (6.75%*)

5.99% (6.61%*)

n/a

5.99% (6.61%*)

n/a

n/a

6.44% p.a.

Fees

$0.00

$0.00

$0.00

$210.00

n/a

$350.00 yearly

$345.00

Other financial bits

$150,000

$249,999

70.00%

80.00%

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 28 March 2024. 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

6.44% (6.78%*)

6.29% (6.75%*)

5.99% (6.61%*)

n/a

5.99% (6.61%*)

n/a

n/a

6.44% p.a.

Fees

$0.00

$0.00

$0.00

$210.00

n/a

$350.00 yearly

$345.00

Other financial bits

$250,000

$699,999

70.00%

80.00%

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 28 March 2024. 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

6.44% (6.78%*)

6.29% (6.75%*)

5.99% (6.61%*)

n/a

5.99% (6.61%*)

n/a

n/a

6.39% p.a.

Fees

$0.00

$0.00

$0.00

$210.00

n/a

$350.00 yearly

$345.00

Other financial bits

$700,000

none

70.00%

80.00%

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 28 March 2024. 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

6.44% (6.78%*)

6.29% (6.75%*)

5.99% (6.61%*)

n/a

5.99% (6.61%*)

n/a

n/a

7.04% p.a.

Fees

$0.00

$0.00

$0.00

$210.00

n/a

$350.00 yearly

$345.00

Other financial bits

$150,000

$249,999

80.00%

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 28 March 2024. 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

6.44% (6.78%*)

6.29% (6.75%*)

5.99% (6.61%*)

n/a

5.99% (6.61%*)

n/a

n/a

7.04% p.a.

Fees

$0.00

$0.00

$0.00

$210.00

n/a

$350.00 yearly

$345.00

Other financial bits

$250,000

$699,999

80.00%

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 28 March 2024. 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

6.44% (6.78%*)

6.29% (6.75%*)

5.99% (6.61%*)

n/a

5.99% (6.61%*)

n/a

n/a

6.99% p.a.

Fees

$0.00

$0.00

$0.00

$210.00

n/a

$350.00 yearly

$345.00

Other financial bits

$700,000

none

80.00%

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 28 March 2024. 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

6.64% (7.04%*)

6.49% (7.01%*)

6.19% (6.94%*)

n/a

6.19% (6.85%*)

n/a

n/a

6.69% p.a.

Fees

$0.00

$0.00

$0.00

$210.00

n/a

$350.00 yearly

$345.00

Other financial bits

$150,000

$249,999

none

70.00%

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 28 March 2024. 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

6.64% (7.04%*)

6.49% (7.01%*)

6.19% (6.94%*)

n/a

6.19% (6.85%*)

n/a

n/a

6.69% p.a.

Fees

$0.00

$0.00

$0.00

$210.00

n/a

$350.00 yearly

$345.00

Other financial bits

$250,000

$699,999

none

70.00%

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 28 March 2024. 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

6.64% (7.04%*)

6.49% (7.01%*)

6.19% (6.94%*)

n/a

6.19% (6.85%*)

n/a

n/a

6.64% p.a.

Fees

$0.00

$0.00

$0.00

$210.00

n/a

$350.00 yearly

$345.00

Other financial bits

$700,000

none

none

70.00%

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 28 March 2024. 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

6.64% (7.04%*)

6.49% (7.01%*)

6.19% (6.94%*)

n/a

6.19% (6.85%*)

n/a

n/a

6.74% p.a.

Fees

$0.00

$0.00

$0.00

$210.00

n/a

$350.00 yearly

$345.00

Other financial bits

$150,000

$249,999

70.00%

80.00%

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 28 March 2024. 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

6.64% (7.04%*)

6.49% (7.01%*)

6.19% (6.94%*)

n/a

6.19% (6.85%*)

n/a

n/a

6.74% p.a.

Fees

$0.00

$0.00

$0.00

$210.00

n/a

$350.00 yearly

$345.00

Other financial bits

$250,000

$699,999

70.00%

80.00%

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 28 March 2024. 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

6.64% (7.04%*)

6.49% (7.01%*)

6.19% (6.94%*)

n/a

6.19% (6.85%*)

n/a

n/a

6.69% p.a.

Fees

$0.00

$0.00

$0.00

$210.00

n/a

$350.00 yearly

$345.00

Other financial bits

$700,000

none

70.00%

80.00%

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 28 March 2024. 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

6.64% (7.04%*)

6.49% (7.01%*)

6.19% (6.94%*)

n/a

6.19% (6.85%*)

n/a

n/a

7.34% p.a.

Fees

$0.00

$0.00

$0.00

$210.00

n/a

$350.00 yearly

$345.00

Other financial bits

$150,000

$249,999

80.00%

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 28 March 2024. 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

6.64% (7.04%*)

6.49% (7.01%*)

6.19% (6.94%*)

n/a

6.19% (6.85%*)

n/a

n/a

7.34% p.a.

Fees

$0.00

$0.00

$0.00

$210.00

n/a

$350.00 yearly

$345.00

Other financial bits

$250,000

$699,999

80.00%

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 28 March 2024. 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

6.64% (7.04%*)

6.49% (7.01%*)

6.19% (6.94%*)

n/a

6.19% (6.85%*)

n/a

n/a

7.29% p.a.

Fees

$0.00

$0.00

$0.00

$210.00

n/a

$350.00 yearly

$345.00

Other financial bits

$700,000

none

80.00%

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
Price
Features
Customer service
Convenience
Trust

Latest reviews of Heritage Bank Fixed Rate Loan (Home Advantage) Home Loan

About Heritage Bank

Thumbnail icon for Macquarie
Macquarie

Offset Home Loan (Package)

6.15% p.a. variable

6.40% p.a.

Thumbnail icon for Bendigo Bank
Bendigo Bank

Express Home Loan

6.01% p.a. variable

6.14% p.a.

Thumbnail icon for BCU Bank
BCU Bank

Fixed Rate Home Loan

6.29% p.a.
fixed 3 years

6.30% p.a.

Thumbnail icon for Sucasa
Sucasa

Ultra Low Rate

6.30% p.a. variable

6.58% p.a.

Thumbnail icon for Unloan
Unloan

Variable

5.99% p.a. variable

5.90% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan (Fixed)

5.99% p.a.
fixed 3 years

6.13% p.a.

Thumbnail icon for ubank
ubank

Neat Home Loan

6.14% p.a. variable

6.16% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan

6.15% p.a. variable

6.17% p.a.

Thumbnail icon for Unloan
Unloan

Variable

5.99% p.a. variable

5.90% p.a.

Thumbnail icon for Sucasa
Sucasa

Ultra Low Rate

6.30% p.a. variable

6.58% p.a.

Thumbnail icon for Bendigo Bank
Bendigo Bank

Express Home Loan

6.01% p.a. variable

6.14% p.a.

Thumbnail icon for ubank
ubank

Neat Home Loan

6.14% p.a. variable

6.16% p.a.

Thumbnail icon for Macquarie
Macquarie

Offset Home Loan (Package)

6.15% p.a. variable

6.40% p.a.

Thumbnail icon for Unloan
Unloan

Variable

6.29% p.a. variable

6.20% p.a.

Thumbnail icon for ubank
ubank

Flex Home Loan Fixed

5.99% p.a.
fixed 3 years

6.37% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan (Fixed)

5.99% p.a.
fixed 3 years

6.13% p.a.

Thumbnail icon for Unloan
Unloan

Variable

5.99% p.a.

5.90% p.a.

Thumbnail icon for Sucasa
Sucasa

Ultra Low Rate

6.30% p.a.

6.58% p.a.

Thumbnail icon for Macquarie
Macquarie

Offset Home Loan (Package)

6.15% p.a.

6.40% p.a.

Thumbnail icon for Bendigo Bank
Bendigo Bank

Express Home Loan

6.01% p.a.

6.14% p.a.

Thumbnail icon for BCU Bank
BCU Bank

OMG Home Loan

5.99% p.a.

6.00% p.a.

Thumbnail icon for ubank
ubank

Neat Home Loan

6.14% p.a.

6.16% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan

6.15% p.a.

6.17% p.a.

Thumbnail icon for BCU Bank
BCU Bank

Fixed Rate Home Loan

p.a.

6.30% p.a.

Thumbnail icon for Bendigo Bank
Bendigo Bank

Express Home Loan (Fixed)

6.04% p.a.
fixed 3 years

6.15% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan (Fixed)

5.99% p.a.
fixed 3 years

6.13% p.a.

Thumbnail icon for Bendigo Bank
Bendigo Bank

Express Home Loan (Fixed)

6.54% p.a.
fixed 3 years

6.38% p.a.

Thumbnail icon for ubank
ubank

Flex Home Loan Fixed

5.99% p.a.
fixed 3 years

6.41% p.a.

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ING

Fixed Rate Loan (with Orange Advantage)

5.99% p.a.
fixed 3 years

6.12% p.a.

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BCU Bank

Fixed Rate Home Loan

6.29% p.a.
fixed 3 years

6.30% p.a.

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Bendigo Bank

Express Home Loan (Fixed)

6.54% p.a.
fixed 3 years

6.38% p.a.

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Macquarie

Basic Home Loan (Fixed)

6.09% p.a.
fixed 3 years

6.19% 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.

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