Heritage Bank Home Loans

Heritage Bank is a Queensland-based mutual bank that is owned by its customers rather than shareholders.

Heritage Bank offers a wide range of fixed and variable mortgages and charges home loan rates that tend to be below the market average.

Heritage Bank is Australia’s largest mutual bank and has branches throughout Queensland.

Heritage Bank home loans

Discount Variable Home Loan ($150k+) (LVR < 80%)
Advertised rate
3.74%
Variable
Upfront fee
$750.00
Comparison rate*
3.79%
Ongoing fee
$0
Compare
Discount Variable Home Loan ($150k+) (LVR 80%-90%)
Advertised rate
3.84%
Variable
Upfront fee
$750.00
Comparison rate*
3.89%
Ongoing fee
$0
Compare
Discount Variable Home Loan ($150k+) (LVR 90%-95%)
Advertised rate
3.94%
Variable
Upfront fee
$750.00
Comparison rate*
3.99%
Ongoing fee
$0
Compare
Home Advantage Fixed Home Loan 2 Years
Advertised rate
3.65%
Fixed - 2 years
Upfront fee
$150.00
Comparison rate*
4.26%
Ongoing fee
$350 annually
Compare
Home Advantage Variable Home Loan ($250k-$700k) (LVR<80%)
Advertised rate
3.89%
Variable
Upfront fee
$150.00
Comparison rate*
4.26%
Ongoing fee
$350 annually
Compare
Discount Variable Investment Loan (Principal and Interest) (LVR 80%-90%)
Advertised rate
4.24%
Variable
Upfront fee
$750.00
Comparison rate*
4.29%
Ongoing fee
$0
Compare
Home Advantage Fixed Home Loan 3 Years
Advertised rate
3.89%
Fixed - 3 years
Upfront fee
$150.00
Comparison rate*
4.30%
Ongoing fee
$350 annually
Compare
Home Advantage Fixed Home Loan 1 Year
Advertised rate
3.89%
Fixed - 1 year
Upfront fee
$150.00
Comparison rate*
4.31%
Ongoing fee
$350 annually
Compare
Home Advantage Variable Home Loan ($250k-$700k) (LVR 80%-90%)
Advertised rate
3.99%
Variable
Upfront fee
$150.00
Comparison rate*
4.36%
Ongoing fee
$350 annually
Compare
Home Advantage Variable Home Loan ($250k-$700k) (LVR 90%-95%)
Advertised rate
4.09%
Variable
Upfront fee
$150.00
Comparison rate*
4.46%
Ongoing fee
$350 annually
Compare
Discount Variable Investment Loan (Principal and Interest) (LVR<80%)
Advertised rate
4.44%
Variable
Upfront fee
$750.00
Comparison rate*
4.49%
Ongoing fee
$0
Compare
Home Advantage Fixed Home Loan 5 Years
Advertised rate
4.49%
Fixed - 5 years
Upfront fee
$150.00
Comparison rate*
4.54%
Ongoing fee
$350 annually
Compare
Home Advantage Variable Investment Loan (Principal and Interest) ($250k-$700k) (LVR <80%)
Advertised rate
4.19%
Variable
Upfront fee
$150.00
Comparison rate*
4.56%
Ongoing fee
$350 annually
Compare
Home Advantage Fixed Investment Loan (Principal and Interest) 2 Years
Advertised rate
4.09%
Fixed - 2 years
Upfront fee
$150.00
Comparison rate*
4.58%
Ongoing fee
$350 annually
Compare
Home Advantage Fixed Investment Loan (Principal and Interest) 1 Year
Advertised rate
4.29%
Fixed - 1 year
Upfront fee
$150.00
Comparison rate*
4.61%
Ongoing fee
$350 annually
Compare
Home Advantage Fixed Investment Loan (Principal and Interest) 3 Years
Advertised rate
4.29%
Fixed - 3 years
Upfront fee
$150.00
Comparison rate*
4.62%
Ongoing fee
$350 annually
Compare
Home Advantage Variable Investment Loan (Principal and Interest) ($250k-$700k) (LVR 80%-90%)
Advertised rate
4.39%
Variable
Upfront fee
$150.00
Comparison rate*
4.76%
Ongoing fee
$350 annually
Compare
Fixed Rate Home Loan 3 Years
Advertised rate
3.89%
Fixed - 3 years
Upfront fee
$750.00
Comparison rate*
4.99%
Ongoing fee
$8 monthly
Compare
Fixed Rate Home Loan 5 Years
Advertised rate
4.49%
Fixed - 5 years
Upfront fee
$750.00
Comparison rate*
5.04%
Ongoing fee
$8 monthly
Compare
Fixed Rate Home Loan 2 Years
Advertised rate
3.65%
Fixed - 2 years
Upfront fee
$750.00
Comparison rate*
5.05%
Ongoing fee
$8 monthly
Compare
Fixed Rate Home Loan 1 Year
Advertised rate
3.89%
Fixed - 1 year
Upfront fee
$750.00
Comparison rate*
5.21%
Ongoing fee
$8 monthly
Compare
Fixed Rate Investment Loan (Principal and Interest) 3 Years
Advertised rate
4.29%
Fixed - 3 years
Upfront fee
$750.00
Comparison rate*
5.49%
Ongoing fee
$8 monthly
Compare
Fixed Rate Investment Loan (Principal and Interest) 2 Years
Advertised rate
4.09%
Fixed - 2 years
Upfront fee
$750.00
Comparison rate*
5.57%
Ongoing fee
$8 monthly
Compare
Fixed Rate Investment Loan (Principal and Interest) 1 Year
Advertised rate
4.29%
Fixed - 1 year
Upfront fee
$750.00
Comparison rate*
5.74%
Ongoing fee
$8 monthly
Compare
Pros:
  • Variety of home loan products to choose from.
  • Package deals available to bundle this loan with other accounts.
  • Discounted rates available on some loan products.
  • Flexible loan features.
Cons:
  • Some products have moderate to high loan fees.
  • Some loans have moderate to high interest rates.
Heritage Bank customer service:

Heritage Bank has a network of over 60 branches spread across Brisbane, Sunshine Coast and Wide Bay Burnett areas. Home loan customers can contact Heritage Bank by calling the contact centre from Monday through to Saturday or can email the bank directly. 

  • Customer service (phone, email, branch)
  • Mobile app
  • Online banking
  • Mobile banking staff

How to Apply

Borrowers wanting to apply for a Heritage Bank home loan can either complete a secure online loan application form or can call through to the Contact Centre for more support. Queensland based borrowers can apply in their local branch. Before applying for a Heritage Bank home loan, consider what you can afford to borrow and what other costs you need to factor in. To apply for a Heritage Bank home loan, you will need to supply the following information:

  • Proof of identity.
  • Proof of income and employment, whether you’re self-employed or you’re on a salary.
  • Superannuation statements.
  • Proof of three months of savings history.
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