Heritage Bank Standard Variable

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

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

The details shown below are for an investor taking out a principal & interest, interest only loan of at least $20,000 with an LVR below 80%

Choose the version of this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 95%

    Loan: $20,000

  • Investor (Principal & Interest, Interest Only)

    LVR < 80%

    Loan: $20,000

4.84% p.a.

4.99% p.a.

$8.00 monthly

Heritage Bank Standard Variable

4.84% p.a.

4.99% p.a.

$8.00 monthly

5.39% p.a.

5.54% p.a.

$8.00 monthly

Heritage Bank Standard Variable

5.39% p.a.

5.54% p.a.

$8.00 monthly

Details

Rates and fees information correct as at 25 August 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
  • 4.84% p.a.

  • n/a

  • n/a

  • n/a

  • 4.99% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $600.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $8.00 monthly

  • $250.00

Other financial bits
  • $20,000

  • none

  • none

  • 95.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • yes

  • 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 25 August 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
  • 5.39% p.a.

  • n/a

  • n/a

  • n/a

  • 5.54% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $600.00

  • $0.00

  • $0.00

  • $150.00

  • n/a

  • $8.00 monthly

  • $250.00

Other financial bits
  • $20,000

  • none

  • none

  • 80.00%

Features
  • Investor

  • Principal & Interest, Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • yes

  • none

  • none

  • none

*WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.

Customer Reviews

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

Overall customer rating
8.3/10
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 Standard Variable

  • Overall
    8/10
    Competitive Rates

    Easy to deal with and in my experiences to date great customer service.

    Easy to deal with and in my experiences to date great customer service.

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

    Dr | Queensland

    reviewed over 3 years ago

  • Overall
    8/10
    Great value bank with friendly staff.

    Good local branch service. Friendly staff. Low interest rate.

    Good local branch service. Friendly staff. Low interest rate.

    Price
    7/10
    Features
    7/10
    Customer service
    8/10
    Convenience
    8/10
    Trust
    9/10

    Maurice | Queensland

    reviewed over 3 years ago

  • Overall
    10/10
    Superb service, 10/10

    We switched from Commonwealth to Heritage. 10/10. Great customer service. We live interstate but...

    We switched from Commonwealth to Heritage. 10/10. Great customer service. We live interstate but they have agreements with so many other banks it's never a problem to find a charge- free ATM. Couldn't rave about them more.

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

    Simone | South Australia

    reviewed over 4 years ago

  • Overall
    10/10
    Great home loan rates

    Great customer service.

    Great customer service.

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

    Melanie | New South Wales

    reviewed over 4 years ago

  • Overall
    9/10
    Outstanding products, features, benefits and staff

    The entire process from day 1 was exceptional. The staff were extremely knowledgeable and every...

    The entire process from day 1 was exceptional. The staff were extremely knowledgeable and every transaction with the branch was treated with the highest respect and courtesy.

    Price
    8/10
    Features
    6/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    9/10

    Susan | Tasmania

    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.

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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.