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2026
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2026
2026
Latest news
Interest Rate Change effective 9 June 2026
Interest Rate Change effective 19 May 2026
Comparison Interest Rate Change effective 6 May 2026
Interest Rate Change effective 16 April 2026
Changes to Heritage Home Lending Products effective 6 May 2026
Interest Rate Change effective 8 April 2026
Interest Rate Change effective 27 March 2026
Heritage Calculator Decommissioning in Quickli effective 23 March 2026
Interest Rate Change effective 3 March 2026
Interest Rate Change effective 17 February 2026
Interest Rate Change effective 3 February 2026
Interest Rate Change effective 13 January 2026
2025
2025
Latest news
Interest Rate Change effective 11 December 2025
Interest Rate Change effective 13 November 2025
Interest Rate Change effective 30 October 2025
Interest Rate Change effective 2 October 2025
Updated Interest Rate Sheets effective 16 September 2025
Heritage Lending Product Changes effective 16 September 2025
Interest Rate Change effective 26 August 2025
Interest Rate Change effective 17 June 2025
Interest Rate Change effective 30 May 2025
Interest Rate Change effective 7 May 2025
Interest Rate Change effective 4 March 2025
Verification of Identity (VOI) Changes effective 24 February 2025
Interest Rate Change effective 6 February 2025
2024
2024
Latest news
Interest Rate Change effective 3 December 2024
Interest Rate Change effective 9 October 2024
Interest Rate Change Effective 5 September 2024
Interest Rate Change effective 16 July 2024
Current Service Levels Update
FASTRefi® changes effective 3 June 2024
Income Policy Changes effective 19 March 2024
Interest Rate Change effective 7 March 2024
Interest Rate Change effective 8 February 2024
2023
2023
Latest news
Comparison Rate Change effective 16 December 2023
Living Expenses Policy Changes effective 11 December 2023
Interest Rate Change effective 21 November 2023
DocuSign for loan documents effective 30 October 2023
eSign available in ApplyOnline effective 23 October 2023
Interest Rate Change effective10 October 2023
Interest Rate Change effective 8 September 2023
Interest Rate Change effective 4 August 2023
Changes to the Home Loan cashback campaign end date – 30 June 2023
Interest Rate Change effective 22 June 2023
Interest Rate Change effective 16 May 2023
Cashback and No App Fee Offers effective 1 May 2023
Interest Rate Change effective 22 March 2023
Updated Cashback Offer Terms & Conditions effective 1 March 2023
NextGen Compliance Tab effective 28 February 2023
Merger Collateral Changes & FAQs effective 1 March 2023
Interest Rate Change effective 22 February 2023
Cashback & No Application Fee Offers effective 11 January 2023
2022
2022
Latest news
Interest Rate Change effective 19 December 2022
Cashback and No App Fee Offers extended to 28 February 2023
Christmas cut-off times
Members approve Heritage Bank merger with People's Choice Credit Union
Interest Rate Change effective 10 November 2022
FASTRefi® effective 7 November 2022
Interest Rate Change effective 28 October 2022
Interest Rate Change effective 18 October 2022
Cashback & No Application Fee Offers effective 1 October 2022
Interest Rate Change effective 20 September 2022
Interest Rate Change effective 17 August 2022
Interest Rate Change effective 20 June 2022
Interest Rate Change effective 9 June 2022
Memo - Broker team changes
Interest Rate Change effective 23 May 2022
Interest Rate Change effective 13 May 2022
Home Advantage Package Benefits Removal
Cashback Offers extended to 31 May 2022
Interest Rate Change effective 27 April 2022
Rate Guarantee Changes
Cashback Offers effective 1 April 2022
Interest Rate Change effective 11 March 2022
$2,000 Cashback Offer Effective 01 February 2022
Interest Rate Change Effective 01 February 2022
2021
2021
Interest Rate Change effective 24 November 2021
Christmas cut-off times
Updated Serviceability Floor Rate and Buffer effective 31 October 21
Interest Rate Change effective 11 October 2021
Assessment Changes effective 20 September 2021
Interest Rate Change effective 05 August 2021
Interest Rate Change effective 14 July 2021
Broker Website Launch effective 7 June 2021
Interest Rate Change effective 3 June 2021
Interest Rate Change effective 9 April 2021
Updated Broker Electronic Application Form effective 22 March 2021
Updated Letter of Authority - Broker Enquiries Form effective 8 March 2021
MyBank Campaign for Home Loans effective 01 March 2021
Interest Rate Change effective 12 February 2021
Interest Rate Change effective 20 January 2021
2020
2020
Christmas cut-off times
Interest Rate Change effective 19 November 2020
$2,000 First Home Buyer Cashback extended until 30 November 2020
Updated Serviceability Floor Rate effective 30 October 2020
$2,000 First Home Buyer Cashback Offer effective 1 October 2020
$0 Application Fee Offer effective 31 July 2020
Changes to VOI and KYC requirements effective 25 May 2020
Interest Rate Change effective 6 May 2020
Interest Rate Change effective 01 April 2020
Interest Rate Change effective 25 March 2020 updated
Heritage Bank COVID-19 Update 23 March 2020
Interest Rate Change & $0 Application Fee Offer effective 17 February 2020
2019
2019
Interest Rate Change effective 18 December 2019
Updated Serviceability Floor Rate effective 15 October 2019
Interest Rate Change effective 15 October 2019
Changes to NSR and LEA effective 13 September 2019
Interest Rate Change effective 6 September 2019
$0 Application Fee Offer effective 2 September 2019
Interest Rate Change effective 6 August 2019
Updated Serviceability Floor Rate effective 1 August 2019
Interest Rate Change effective 18 July 2019
Interest Rate Change effective 11 July 2019
Interest Rate Change effective 21 June 2019
Pre-approvals service announcement effective 23 April 2019
Interest Rate Change & End of Promotion effective 1 May 2019
Interest Rate Change effective 17 April 2019
Updated Heritage Bank Property Hub effective 18 March 2019
Fast Track Pricing and Manual Application Changes effective 4 March 2019
$0 Application Fee Offer effective 18 February 2019
Interest Rate Change effective 1 February 2019
Loan Offset account withdrawn from sale effective 7 January 2019