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Heritage Bank home loan reviews

Heritage Bank
Heritage Bank's overall rating for home loans

(as rated by the Mozo community)

8.3 / 10

based on 244 reviews

Price

Features

Customer service

Convenience

Trust

Featured home loan from Heritage Bank

Recent Heritage Bank home loan reviews

Heritage Bank

Heritage Bank Variable Rate Loan (Owner Occupier, LVR<80%) (Home Advantage) Variable Rate Loan (Home Advantage) review

Overall rating   10 / 10

Everything I ever wanted in a bank

Heritage Bank are simply the best in all aspects of banking. I have a owner occupied and investment loan with them. I have negotiated extremely competitive rates with them. I have excellent 24/7 customer service with Australian employees and their...

Full review

Heritage Bank are simply the best in all aspects of banking. I have a owner occupied and investment loan with them. I have negotiated extremely competitive rates with them. I have excellent 24/7 customer service with Australian employees and their banking app is great as well.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Marija, New South Wales, reviewed about 2 months ago

Heritage Bank

Heritage Bank Home Loan review

Overall rating   10 / 10

Excellent

Our BBC and is very supportive and helpful. I would not change banks and they also have a good rate.

Full review

Our BBC and is very supportive and helpful. I would not change banks and they also have a good rate.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

Less

Ian, Victoria, reviewed 10 months ago

Heritage Bank

Heritage Bank Discount Variable Home Loan (Owner Occupier, LVR<80%) Discount Variable Home Loan review

Overall rating   9 / 10

Competitive rates. Basic internet banking

Heritage Bank have very competitive pricing and interest rates. They do lack in terms of their internet banking features. At this stage they do not have online redraw.

Full review

Heritage Bank have very competitive pricing and interest rates. They do lack in terms of their internet banking features. At this stage they do not have online redraw.

    Price   10 / 10

Less

Andrew, Queensland, reviewed about 2 years ago

Heritage Bank

Heritage Bank Money Manager Money Manager review

Overall rating   3 / 10

Would not recommend

We lost a lot of money with incorrect advise from them.

Full review

We lost a lot of money with incorrect advise from them.

    Price   1 / 10

Less

Linda, Queensland, reviewed over 2 years ago

Heritage Bank

Heritage Bank Standard Variable (Owner Occupier) Standard Variable review

Overall rating   8 / 10

Competitive Rates

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

Full review

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

Less

Dr, Queensland, reviewed over 3 years ago

Heritage Bank

Heritage Bank Home Loan review

Overall rating   9 / 10

Customer service is excellent

Pro, customer support and service is excellent. Cons, not that I can think of.

Full review

Pro, customer support and service is excellent. Cons, not that I can think of.

    Price   8 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   7 / 10

    Trust   8 / 10

Less

Deborah, South Australia, reviewed over 3 years ago

Heritage Bank

Heritage Bank Standard Variable (Owner Occupier) Standard Variable review

Overall rating   8 / 10

Great value bank with friendly staff.

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

Full review

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

Less

Maurice, Queensland, reviewed over 3 years ago

Heritage Bank

Heritage Bank Fixed Rate Loan (Owner Occupier, LVR<80%) (Home Advantage) Fixed Rate Loan (Home Advantage) review

Overall rating   10 / 10

Excellent FI option.

Service is awesome.

Full review

Service is awesome.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Amy, Queensland, reviewed over 3 years ago

Heritage Bank

Heritage Bank Home Loan review

Overall rating   7 / 10

Low interest rate

I was lucky to get a very good interest rate. Unfortunately it is not available anymore now. Online banking is not very friendly, but I don't mind.

Full review

I was lucky to get a very good interest rate. Unfortunately it is not available anymore now. Online banking is not very friendly, but I don't mind.

    Price   9 / 10

    Features   5 / 10

    Customer service   5 / 10

    Convenience   3 / 10

    Trust   6 / 10

Less

Aximili, Victoria, reviewed over 3 years ago

Heritage Bank

Heritage Bank Home Loan review

Overall rating   9 / 10

Competitive rates and good customer service.

Recently the bank contacted us and discussed our home loan. Through negotiation our home loan rate was significantly reduced without the impost of a large fee to change our loan.

Full review

Recently the bank contacted us and discussed our home loan. Through negotiation our home loan rate was significantly reduced without the impost of a large fee to change our loan.

    Price   8 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   5 / 10

    Trust   9 / 10

Less

Sherilyn, Australian Capital Territory, reviewed over 3 years ago

Heritage Bank

Heritage Bank Home Loan review

Overall rating   8 / 10

Competitive, friendly and ease of use.

Competitive rates, easy to organise online and pay extra when you want and easy to keep track of. Quick to respond to phone calls, friendly, helpful staff.

Full review

Competitive rates, easy to organise online and pay extra when you want and easy to keep track of. Quick to respond to phone calls, friendly, helpful staff.

    Price   7 / 10

    Features   7 / 10

    Customer service   9 / 10

    Convenience   8 / 10

    Trust   8 / 10

Less

Deb, Victoria, reviewed over 3 years ago

Heritage Bank

Heritage Bank Fixed Loan (Owner Occupier) Fixed Loan review

Overall rating   9 / 10

Competitive rates, excellent customer service.

Excellent customer service with outstanding and very competitive interest rates. More personal then the big 4, extremely happy with their products.

Full review

Excellent customer service with outstanding and very competitive interest rates. More personal then the big 4, extremely happy with their products.

    Price   9 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   8 / 10

    Trust   10 / 10

Less

Alicia, Queensland, reviewed over 3 years ago

Heritage Bank

Heritage Bank Home Loan review

Overall rating   7 / 10

Good rates, flexibility

We have a line of credit, very flexible.

Full review

We have a line of credit, very flexible.

    Price   6 / 10

    Features   8 / 10

    Customer service   7 / 10

    Convenience   7 / 10

    Trust   8 / 10

Less

Steven, Victoria, reviewed almost 4 years ago

Heritage Bank

Heritage Bank Fixed Loan (Owner Occupier) Fixed Loan review

Overall rating   9 / 10

Competitive, competent and courteous.

We severed our association with one of the big 4 (which bank you ask?) for a number of reasons including inflexibility and terrible customer service. We find Heritage wonderful to deal with - courteous, efficient and helpful. We feel like people...

Full review

We severed our association with one of the big 4 (which bank you ask?) for a number of reasons including inflexibility and terrible customer service. We find Heritage wonderful to deal with - courteous, efficient and helpful. We feel like people not just numbers. Five years on we have never regretted our decision.

    Price   8 / 10

    Features   5 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   9 / 10

Less

Barry, Queensland, reviewed almost 4 years ago

Heritage Bank

Heritage Bank Home Loan review

Overall rating   8 / 10

The Big 4 need some training from Heritage Bank.

Heritage Bank does not have shareholders, it is a building society that places its customers first. Competitive rates and great features combined with exceptional service have earned them a lot of respect from their customers. I have never...

Full review

Heritage Bank does not have shareholders, it is a building society that places its customers first. Competitive rates and great features combined with exceptional service have earned them a lot of respect from their customers. I have never considered banking with anyone else since becoming a "member".

    Price   7 / 10

    Features   7 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Jas, Queensland, reviewed almost 4 years ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Home loan comparisons on Mozo - rates updated daily

  • loans.com.au Smart Home Loan (Owner Occupier, Principal & Interest)

    loans.com.au Smart Home Loan (Owner Occupier, Principal & Interest)

    • For purchase and refinance, min 20% deposit
    • No application or ongoing fees
    • Unlimited redraws and additional repayments

    interest rate

    3.03% p.a. variable

    comparison rate*

    3.05% p.a.

    upfront fees

    $520

    Go to site

    More info

    • For purchase and refinance, min 20% deposit
    • No application or ongoing fees
    • Unlimited redraws and additional repayments
    • Interest rate: 3.03% p.a. variable
    • Comparison rate*: 3.05% p.a.
    • Upfront fees: $520
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $1,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    • Special offers:
    Overall rating

    8.2

    Based on 637 loans.com.au home loan reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2019

    UBank UHomeLoan - Discount Offer (Owner Occupier, Principal & Interest)

    UBank UHomeLoan - Discount Offer (Owner Occupier, Principal & Interest)

    • $0 application fee for variable rate, $0 ongoing fees, $0 annual fees
    • No monthly fees
    • 20% minimum deposit required. Minimum loan amount $700k

    interest rate

    3.09% p.a. variable

    comparison rate*

    3.09% p.a.

    upfront fees

    $0

    Go to site

    More info

    • $0 application fee for variable rate, $0 ongoing fees, $0 annual fees
    • No monthly fees
    • 20% minimum deposit required. Minimum loan amount $700k
    • Interest rate: 3.09% p.a. variable
    • Comparison rate*: 3.09% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $200,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    • Special offers:
    Overall rating

    5.2

    Based on 111 UBank home loan reviews

    Need more information?
    Go to site

    More info

  • Athena Variable Home Loan (Owner Occupier, Principal & Interest)

    Athena Variable Home Loan (Owner Occupier, Principal & Interest)

    • No application fees
    • No monthly fees
    • No annual fees

    interest rate

    3.09% p.a. variable

    comparison rate*

    3.05% p.a.

    upfront fees

    $0

    Go to site

    More info

    • No application fees
    • No monthly fees
    • No annual fees
    • Interest rate: 3.09% p.a. variable
    • Comparison rate*: 3.05% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $100,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    • Special offers:
    Need more information?
    Go to site

    More info

  • ANZ Simplicity PLUS Special Offer LVR <80% (Owner Occupier, Principal & Interest)

    ANZ Simplicity PLUS Special Offer LVR <80% (Owner Occupier, Principal & Interest)

    • Take out a loan of $50,000 or more in new to ANZ lending and save 0.56% p.a
    • The Loan Approval Fee or any Renegotiation Fee is waived upon request
    • The Loan Approval Fee or any Renegotiation Fee is also waived for loans not eligible for the interest rate discount upon request

    interest rate

    3.38% p.a. variable

    comparison rate*

    3.42% p.a.

    upfront fees

    $0

    Go to site

    More info

    • Take out a loan of $50,000 or more in new to ANZ lending and save 0.56% p.a
    • The Loan Approval Fee or any Renegotiation Fee is waived upon request
    • The Loan Approval Fee or any Renegotiation Fee is also waived for loans not eligible for the interest rate discount upon request
    • Interest rate: 3.38% p.a. variable
    • Comparison rate*: 3.42% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $160.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    • Special offers: Apply for a home loan over $300,000 by 31 August 2019, and settle by 31 Jan 2020 to earn 300,000 Qantas Points.
    Overall rating

    6.9

    Based on 3845 ANZ home loan reviews

    Need more information?
    Go to site

    More info

  • Featured product

     

    ME Flexible Home Loan (Owner Occupier, LVR<80%, Principal & Interest) (Member Package)

    ME Flexible Home Loan (Owner Occupier, LVR<80%, Principal & Interest) (Member Package)

    • 3.69% p.a. / 4.11% p.a. Comp Rate
    • Annual Fee of $395. Loan size $400k-$699k
    • Experts Choice - Australia's Best Bank 2018

    interest rate

    3.39% p.a. variable

    comparison rate*

    3.83% p.a.

    upfront fees

    $200

    Go to site

    More info

    • 3.69% p.a. / 4.11% p.a. Comp Rate
    • Annual Fee of $395. Loan size $400k-$699k
    • Experts Choice - Australia's Best Bank 2018
    • Interest rate: 3.39% p.a. variable
    • Comparison rate*: 3.83% p.a.
    • Upfront fees: $200
    • Ongoing fees: $395.00 yearly
    • Discharge fee: $350.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $400,000
    • Maximum loan amount: $699,999
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    • Special offers:
    Overall rating

    8.7

    Based on 902 ME home loan reviews

    Need more information?
    Go to site

    More info

*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.

Want more? Compare all 532 home loans in the Mozo comparison engine.

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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.

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