Heritage Bank home loan reviews

Heritage Bank
Heritage Bank's overall rating for home loans

(as rated by the Mozo community)

8.4 / 10

based on 78 reviews

Price

Features

Customer service

Convenience

Trust

Top 5 home loans 2015

Featured home loan from Heritage Bank

Recent Heritage Bank home loan reviews

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

    Features   / 10

    Customer service   / 10

    Convenience   / 10

    Trust   / 10

Less

Andrew (QLD), reviewed 5 months 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

    Features   / 10

    Customer service   / 10

    Convenience   / 10

    Trust   / 10

Less

Linda (QLD), reviewed 9 months 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

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Dr (QLD), reviewed over 1 year 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

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Deborah (SA), reviewed over 1 year 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

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Maurice (QLD), reviewed over 1 year 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

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Amy (QLD), reviewed over 1 year 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 (VIC), reviewed almost 2 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

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Sherilyn (ACT), reviewed almost 2 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 (VIC), reviewed about 2 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

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Alicia (QLD), reviewed about 2 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

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Steven (VIC), reviewed about 2 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

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Barry (QLD), reviewed over 2 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

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Jas (QLD), reviewed over 2 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 (QLD), reviewed over 2 years ago

Heritage Bank

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

Overall rating   10 / 10

My bank is a pleasure to do business with

I find a good service provided by Heritage Bank, I am always promptly put in contact with the department I am phoning. The employees are extremely helpful and always cheerful. I just wish the interest rate was as low as other banks concerning...

Full review

I find a good service provided by Heritage Bank, I am always promptly put in contact with the department I am phoning. The employees are extremely helpful and always cheerful. I just wish the interest rate was as low as other banks concerning my Home Loan.

    Price   5 / 10

    Features   0 / 10

    Customer service   10 / 10

    Convenience   9 / 10

    Trust   10 / 10

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Roseanne (QLD), reviewed over 2 years ago

Heritage Bank

Heritage Bank Fixed Loan (Owner Occupier) home loan review

Overall rating   9 / 10

Great customer service

Heritage has great customer service and have helped us to buy our first home.

Full review

Heritage has great customer service and have helped us to buy our first home.

    Price   8 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   8 / 10

    Trust   9 / 10

Less

Jarrad (QLD), reviewed over 2 years ago

Heritage Bank

Heritage Bank Fixed Loan (Owner Occupier) home loan review

Overall rating   9 / 10

Great customer service

Heritage is a local bank with great customer service and competitive rates.

Full review

Heritage is a local bank with great customer service and competitive rates.

    Price   9 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Jarrad (QLD), reviewed over 2 years ago

Heritage Bank

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

Overall rating   10 / 10

No prob!!

I've been with heritage from the age of 12 ! Now 50, never had a problem!!

Full review

I've been with heritage from the age of 12 ! Now 50, never had a problem!!

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Murray (QLD), reviewed over 2 years ago

Heritage Bank

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

Overall rating   10 / 10

Service is the greatest

We have been with Heritage since 2002 and love the personal service we get in branch from our bank manager and area manager. They are both fantastic the service they and their staff give is second to non. We have been put on great new rates on...

Full review

We have been with Heritage since 2002 and love the personal service we get in branch from our bank manager and area manager. They are both fantastic the service they and their staff give is second to non. We have been put on great new rates on their latest product. They may not always be up on the top for rates for investors but they are top of the league for service and satisfaction. They go out of their way to please their customers and keep them happy which isn't hard with the great staff they have and personal service. You are not a number but a person with Heritage Bank. The manager and area manager of Kawana Branch in Qld deserve a medal they are the best. Credit department (SBS) have been great in our recent talks with them too.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Paul (QLD), reviewed over 2 years ago

Heritage Bank

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

Overall rating   10 / 10

Love the service my local bank gives us

We have been with Heritage since 2002 and love the personal service we get in branch from our bank manager and area manager. They are both fantastic the service they and their staff give is second to non. We have been put on great new rates on...

Full review

We have been with Heritage since 2002 and love the personal service we get in branch from our bank manager and area manager. They are both fantastic the service they and their staff give is second to non. We have been put on great new rates on their latest product. They may not always be up on the top for rates for investors but they are top of the league for service and satisfaction. They go out of their way to please their customers and keep them happy which isn't hard with the great staff they have and personal service. You are not a number but a person with Heritage Bank. The manager and area manager of Kawana Branch in Qld deserve a medal they are the best. Credit department (SBS) have been great in our recent talks with them too.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Jean (QLD), reviewed over 2 years ago

Heritage Bank

Heritage Bank Fixed Loan (Owner Occupier) home loan review

Overall rating   10 / 10

No one better

Been with them since the 70s. Love them.

Full review

Been with them since the 70s. Love them.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Michele (QLD), reviewed over 2 years ago

Heritage Bank

Heritage Bank Standard Variable (Owner Occupier) home loan review

Overall rating   10 / 10

Superb service, 10/10

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.

Full review

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

Less

Simone (SA), reviewed over 2 years ago

Heritage Bank

Heritage Bank home loan review

Overall rating   10 / 10

Great communication

Great communicators - they keep in touch the whole way through the loan process, keeping me informed as to what to do next and where they were up to.

Full review

Great communicators - they keep in touch the whole way through the loan process, keeping me informed as to what to do next and where they were up to.

    Price   8 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   9 / 10

Less

Carissa (QLD), reviewed over 2 years ago

Heritage Bank

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

Overall rating   9 / 10

Heritage has got everything a girl could want

My broker set up my loan so I had almost nothing to do with the bank. Any of my subsequent queries and transactions have been very easy. Staff are very helpful and polite. The app on my smartphone makes electronic banking easy. As far as my home...

Full review

My broker set up my loan so I had almost nothing to do with the bank. Any of my subsequent queries and transactions have been very easy. Staff are very helpful and polite. The app on my smartphone makes electronic banking easy. As far as my home loan goes, banking is completely virtual. That's the way I prefer it. No people, no queues, priceless.

    Price   7 / 10

    Features   7 / 10

    Customer service   9 / 10

    Convenience   7 / 10

    Trust   9 / 10

Less

Jacqueline (WA), reviewed over 2 years ago

Heritage Bank

Heritage Bank Fixed Loan (Owner Occupier) home loan review

Overall rating   9 / 10

No fuss down to earth bank

Easy to move from my original bank to Heritage, less fees with very low ongoing fees.

Full review

Easy to move from my original bank to Heritage, less fees with very low ongoing fees.

    Price   9 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   9 / 10

    Trust   9 / 10

Less

Karen (QLD), reviewed over 2 years ago

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Home loan comparisons on Mozo - rates updated daily

  • MOZO EXPERTS CHOICE AWARDS 2016

    loans.com.au Essentials Variable 80 Homebuyer Special (Owner Occupier, Principal & Interest)

    loans.com.au Essentials Variable 80 Homebuyer Special (Owner Occupier, Principal & Interest)

    • A super-low rate available to purchases and 20% minimum deposit required
    • No monthly fees, Redraw facility with no minimum
    • Split loan facility – up to five free splits with fixed rate or identical variable loan product

    interest rate

    3.54% p.a. variable

    comparison rate*

    3.56% p.a.

    upfront fees

    $520

    Go to site

    More info

    • A super-low rate available to purchases and 20% minimum deposit required
    • No monthly fees, Redraw facility with no minimum
    • Split loan facility – up to five free splits with fixed rate or identical variable loan product
    • Interest rate: 3.54% p.a. variable
    • Comparison rate*: 3.56% 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

    7.2

    Based on 202 loans.com.au home loan reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2016

    Featured product

     

    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

    interest rate

    3.62% p.a. variable

    comparison rate*

    3.62% 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
    • Interest rate: 3.62% p.a. variable
    • Comparison rate*: 3.62% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $0.00
    • Extra repayments: yes - free
    • Redraw facility: yes
    • Offset account: no
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $700,000
    • Maximum loan amount: $2,000,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    4.8

    Based on 56 UBank home loan reviews

    Need more information?
    Go to site

    More info

  • State Custodians Low Rate Home Loan with Offset (LVR<80%, Owner Occupier, Principal & Interest)

    State Custodians Low Rate Home Loan with Offset (LVR<80%, Owner Occupier, Principal & Interest)

    • $0 Application Fee, Free Redraws, Extra Repayments
    • P&I or Interest Only Up to 5yrs
    • Free 100% Offset Account

    interest rate

    3.64% p.a. variable

    comparison rate*

    3.67% p.a.

    upfront fees

    $286

    Go to site

    More info

    • $0 Application Fee, Free Redraws, Extra Repayments
    • P&I or Interest Only Up to 5yrs
    • Free 100% Offset Account
    • Interest rate: 3.64% p.a. variable
    • Comparison rate*: 3.67% p.a.
    • Upfront fees: $286
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • 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
    Overall rating

    8.7

    Based on 3 State Custodians home loan reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2016

    Newcastle Permanent Discounted Variable Home Loan (Owner Occupier, Principal & Interest) (Premium Plus Package)

    Newcastle Permanent Discounted Variable Home Loan (Owner Occupier, Principal & Interest) (Premium Plus Package)

    • 100% Offset Facility
    • $0 application fee for Personal and Car Loans
    • Additional repayments and redraws at any time

    interest rate

    3.64% p.a. variable

    comparison rate*

    4.03% p.a.

    upfront fees

    $0

    Go to site

    More info

    • 100% Offset Facility
    • $0 application fee for Personal and Car Loans
    • Additional repayments and redraws at any time
    • Interest rate: 3.64% p.a. variable
    • Comparison rate*: 4.03% p.a.
    • Upfront fees: $0
    • Ongoing fees: $395.00 yearly
    • Discharge fee:
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: yes
    • Maximum loan to value ratio: 80.00%
    • Minimum loan amount: $150,000
    • Maximum loan amount:
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    8.5

    Based on 80 Newcastle Permanent home loan reviews

    Need more information?
    Go to site

    More info

  • HSBC Discounted Home Value Loan (Owner Occupier, Principal & Interest)

    HSBC Discounted Home Value Loan (Owner Occupier, Principal & Interest)

    • Owner occupier only
    • Available to new borrowings to HSBC of $50,000 or more
    • Your own Personal Relationship Manager

    interest rate

    3.65% p.a. variable

    comparison rate*

    3.66% p.a.

    upfront fees

    $0

    Go to site

    More info

    • Owner occupier only
    • Available to new borrowings to HSBC of $50,000 or more
    • Your own Personal Relationship Manager
    • Interest rate: 3.65% p.a. variable
    • Comparison rate*: 3.66% p.a.
    • Upfront fees: $0
    • Ongoing fees: $0.00
    • Discharge fee: $300.00
    • Extra repayments: yes - free
    • Redraw facility: yes - free
    • Offset account: no
    • Maximum loan to value ratio: 90.00%
    • Minimum loan amount: $50,000
    • Maximum loan amount: $7,500,000
    • Type of loan: Variable
    • Repayment types: Principal & Interest
    • Availability: Owner Occupier
    • Repayment options: Weekly, Fortnightly, Monthly
    Overall rating

    7.1

    Based on 32 HSBC home loan reviews

    Need more information?
    Go to site

    More info

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*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a home loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years, and applies only to this example. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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