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 243 reviews

Price

Features

Customer service

Convenience

Trust

Featured home loan from Heritage Bank

Recent Heritage Bank home loan reviews

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 7 months ago

Heritage Bank

Heritage Bank Discount Variable Home Loan (Owner Occupier, LVR<80%) 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 almost 2 years ago

Heritage Bank

Heritage Bank Money Manager Home Loan 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) Home Loan 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 about 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 about 3 years ago

Heritage Bank

Heritage Bank Standard Variable (Owner Occupier) Home Loan 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 about 3 years ago

Heritage Bank

Heritage Bank Fixed Rate Loan (Owner Occupier, LVR<80%) (Home Advantage) Home Loan 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 about 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) Home 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 over 3 years ago

Heritage Bank

Heritage Bank Fixed Loan (Owner Occupier) Home 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

Heritage Bank

Heritage Bank Home Loan review

Overall rating   3 / 10

Same customer service as other banks

Services are nothing out of the ordinary.

Full review

Services are nothing out of the ordinary.

    Price   2 / 10

    Features   1 / 10

    Customer service   4 / 10

    Convenience   1 / 10

    Trust   0 / 10

Less

Kellie, Queensland, reviewed almost 4 years ago

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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

    3.28% p.a. variable

    comparison rate*

    3.30% 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: 3.28% p.a. variable
    • Comparison rate*: 3.30% 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
    Overall rating

    8.2

    Based on 636 loans.com.au home loan reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2019

    UBank UHomeLoan (Owner Occupier, Principal & Interest) (Fixed)

    UBank UHomeLoan (Owner Occupier, Principal & Interest) (Fixed)

    • Fast, easy apply
    • No ongoing fees
    • Repayments will not change during fixed period

    interest rate

    2.99% p.a.
    fixed 1 year

    comparison rate*

    4.09% p.a.

    upfront fees

    $395

    Go to site

    More info

    • Fast, easy apply
    • No ongoing fees
    • Repayments will not change during fixed period
    • Interest rate: 2.99% p.a.
      fixed 1 year
    • Comparison rate*: 4.09% p.a.
    • Upfront fees: $395
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free up to $20,000 p.a.
    • Redraw facility: no
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $100,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Fixed
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    5.2

    Based on 111 UBank home loan reviews

    Need more information?
    Go to site

    More info

  • Bank of Queensland Discount Fixed Rate (Owner Occupier, Principal & Interest)

    Bank of Queensland Discount Fixed Rate (Owner Occupier, Principal & Interest)

    • Borrow with as little as 5% deposit (owner occupiers)
    • Ability to make extra repayments
    • 1-5 year fixed term rates

    interest rate

    3.39% p.a.
    fixed 3 years

    comparison rate*

    4.41% p.a.

    upfront fees

    $450

    Go to site

    More info

    • Borrow with as little as 5% deposit (owner occupiers)
    • Ability to make extra repayments
    • 1-5 year fixed term rates
    • Interest rate: 3.39% p.a.
      fixed 3 years
    • Comparison rate*: 4.41% p.a.
    • Upfront fees: $450
    • Ongoing fees: $10.00 monthly
    • Discharge fee: $320.00
    • Extra repayments: yes - free up to $5,000 p.a
    • Redraw facility: no
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount:
    • Type of loan: Fixed
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.6

    Based on 510 Bank of Queensland home loan reviews

    Need more information?
    Go to site

    More info

  • Featured product

     

    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

    3.34% p.a. variable

    comparison rate*

    3.30% p.a.

    upfront fees

    $0

    Go to site

    More info

    • No application fees
    • No monthly fees
    • No annual fees
    • Interest rate: 3.34% p.a. variable
    • Comparison rate*: 3.30% 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
    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2019

    Tic:Toc Variable Home Loan (Owner Occupier, Principal & Interest)

    Tic:Toc Variable Home Loan (Owner Occupier, Principal & Interest)

    • A low hassle online home loan.
    • Tic:Toc’s award winning platform means you could save thousands with low rates and no application, valuation or settlement fees.
    • Unlimited free redraws and extra repayments.

    interest rate

    3.27% p.a. variable

    comparison rate*

    3.28% p.a.

    upfront fees

    $0

    Go to site

    More info

    • A low hassle online home loan.
    • Tic:Toc’s award winning platform means you could save thousands with low rates and no application, valuation or settlement fees.
    • Unlimited free redraws and extra repayments.
    • Interest rate: 3.27% p.a. variable
    • Comparison rate*: 3.28% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $325.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: Optional - $10 per month
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    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 531 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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