Heritage Bank Standard Variable

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

5.19% p.a.

5.30% p.a.

$8.00 monthly

Heritage Bank Standard Variable

5.19% p.a.

5.30% p.a.

$8.00 monthly

5.74% p.a.

5.84% p.a.

$8.00 monthly

Heritage Bank Standard Variable

5.74% p.a.

5.84% p.a.

$8.00 monthly

Details

Rates and fees information correct as at 25 March 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
  • 5.19% p.a.

  • n/a

  • 0 Months

  • none

  • 5.30% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • none

  • $8.00 monthly

  • $250.00

Other financial bits
  • $20,000

  • none

  • none

  • 95.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • $0.00

  • yes

  • yes

  • 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 March 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
  • 5.74% p.a.

  • n/a

  • 0 Months

  • none

  • 5.84% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $0.00

  • $0.00

  • $150.00

  • none

  • $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

*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 almost 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 almost 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 almost 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 about 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 about 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

Promoted

Heritage Bank

Heritage Bank

Discount Variable Home Loan

3.67% p.a.

3.69% p.a.

$0.00

Promoted

HSBC

HSBC

Home Value Loan

3.59% p.a. variable

3.61% p.a.

$150

Promoted

loans.com.au

loans.com.au

Smart Home Loan

3.48% p.a. variable

3.50% p.a.

$520

Promoted

Well Home Loans

Well Home Loans

Well Balanced

3.49% p.a. variable

3.53% p.a.

$850

Promoted

Bank Australia

Bank Australia

Basic Home Loan

3.76% p.a. variable

3.77% p.a.

$0

Promoted

Bank First

Bank First

First Rate Home Loan

3.72% p.a. variable

3.77% p.a.

$600

Promoted

Virgin Money

Virgin Money

Reward Me Variable Rate Home Loan

3.69% p.a. variable

3.83% p.a.

$150

Promoted

Hunter United

Hunter United

Interest Only Home Loan

3.99% p.a. variable

3.99% p.a.

$0

Promoted

ME

ME

Basic Home Loan

3.97% p.a. variable

3.99% p.a.

$400

Promoted

loans.com.au

loans.com.au

Smart Home Loan

3.48% p.a.

3.50% p.a.

$520

Promoted

HSBC

HSBC

Home Value Loan

3.59% p.a.

3.61% p.a.

$150

Promoted

Athena

Athena

Variable Home Loan

3.49% p.a.

3.51% p.a.

$488

Promoted

Bank Australia

Bank Australia

Basic Home Loan

3.76% p.a.

3.77% p.a.

$0

Promoted

ME

ME

Basic Home Loan

3.97% p.a.

3.99% p.a.

$400

Promoted

Bank First

Bank First

First Rate Home Loan

3.72% p.a.

3.77% p.a.

$600

Promoted

Well Home Loans

Well Home Loans

Well Balanced

3.49% p.a.

3.53% p.a.

$850

Promoted

NAB

NAB

Base Variable Rate Home Loan

3.79% p.a.

3.83% p.a.

$600

Promoted

loans.com.au

loans.com.au

Smart Loan Fixed (Package)

3.89% p.a.
fixed 3 years

3.93% p.a.

$520

Promoted

Virgin Money

Virgin Money

Reward Me Fixed Rate Home Loan - First Home Buyer Special

n/a

n/a

$0

Promoted

ME

ME

Flexible Home Loan (Fixed)

4.14% p.a.
fixed 3 years

4.87% p.a.

$400

Promoted

UBank

UBank

UHomeLoan (Fixed)

3.74% p.a.
fixed 3 years

4.01% p.a.

$395

Promoted

NAB

NAB

Tailored Home Loan (Fixed, Choice Package)

3.89% p.a.
fixed 3 years

4.92% p.a.

$0

Promoted

Bankwest

Bankwest

Complete Fixed Home Loan (Package)

3.98% p.a.
fixed 3 years

4.52% p.a.

$250

Promoted

Well Home Loans

Well Home Loans

Well Balanced Fixed

3.83% p.a.
fixed 3 years

3.64% p.a.

$850

Promoted

Bank of Queensland

Bank of Queensland

Fixed Rate

3.79% p.a.
fixed 3 years

4.51% p.a.

$450

Promoted

HSBC

HSBC

Home Value Loan

3.59% p.a.

3.61% p.a.

$0.00

Promoted

loans.com.au

loans.com.au

Smart Home Loan

3.48% p.a.

3.50% p.a.

$0.00

Promoted

Well Home Loans

Well Home Loans

Well Balanced

3.49% p.a.

3.53% p.a.

$0.00

Promoted

Bank Australia

Bank Australia

Basic Home Loan

3.76% p.a.

3.77% p.a.

$0.00

Promoted

Bank First

Bank First

First Rate Home Loan

3.72% p.a.

3.77% p.a.

$0.00

Promoted

Virgin Money

Virgin Money

Reward Me Variable Rate Home Loan

3.69% p.a.

3.83% p.a.

$10.00 monthly

Promoted

Hunter United

Hunter United

Interest Only Home Loan

3.99% p.a.

3.99% p.a.

$0.00

Promoted

ME

ME

Basic Home Loan

3.97% p.a.

3.99% p.a.

$0.00

*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.